Pyramid Federal Credit Union

Rates Effective Date: 06/01/2010

LOANS	APR*	TERM
New & Used Vehicle loans now as low as	*4.50	to 60 mos
New and Used Auto, Van, Motorcycle, Truck Loans	4.50	to 60 mos
New and Used Auto, Van, Motorcycle, Truck Loans	5.00	to 72 mos
New and Used Auto, Van, Motorcycle, Truck Loans (over $30,000)	6.00	to 84 mos
New and Used Recreational Vehicles, Jet Skis, Boats, ATVs, Motorhomes, 5th Wheels (from 24 to 180 months depending on vehicle)	9.00	180 mos
Personal & Promotional Loans
Personal Loans (Max. $10,000/ 60 months)	11.50	60 mos
Promotional Loans (Holiday, Taxes, Vacation, and Back to School)	9.50	12 mos
Share Secured (3% over dividend rate - variable rate)	+3.00
Certificate Secured (3% over certificate rate - variable rate based on certificate term)	+3.00
Overdraft Loans (Max. $500)	11.50	N/A
Visa Platinum Credit Card	as low as 8.99	N/A
Member Rewards 0.25% discount for AUTOMATIC LOAN PAYMENT (for consumer loans only – does not apply to mortgages, including HELOCs, or VISA)

All RATES SUBJECT TO CHANGE AT ANY TIME.
*APR = Annual Percentage Rate

Rates quoted are best rates.Your rate could be higher depending upon your credit history.

*Pyramid offers an additional 0.25% vehicle loan discount for automatic payment.

Loan Application | Loan Calculator

BALANCE	LOAN TO VALUE	TERM	RATE	APY*
First Mortgages Learn about 1st Mortgage Loan Programs, Rates & Fees available for Pyramid members		We offer all types of mortgage loans - terms from 15 to 40 years
Fixed-Rate Home Equity Loans (Second Mortgage)	to 80% of appraised value	to 180 months (15 years)	as low as 6.00%	6.00*
Short-term Home Equity Loans Fixed Rate	to 100% of appraised value	to 84 months (7 years)	as low as 6.00%	6.00*
Home Equity Line of Credit (HELOC) Variable Rate	to 80% of appraised value	180 months (15 years)	as low as 5.00%	5.00*

All RATES SUBJECT TO CHANGE AT ANY TIME.

Rate published is Pyramid's best rate, based on credit history and 70% loan-to-value. APR may be slightly higher based on actual loan amount and fees paid.

**HELOC rates are variable based on the Prime Lending Rate published in the Wall Street Journal. Rates are adjusted monthly. Max rate is 18%. HELOC fees are waived for new loans over $10,000 which remain open for at least three years, or fees paid on member's behalf will be applied to payoff balance.

The Prime Rate currently in effect is 3.25%.

Loan Application | Mortgage Loan Calculator

SAVINGS RATES	RATE	APY*
Pyramid Plus Savings Account (A positive monthly average balance required to earn dividends. Member must also satisfy all other requirements for promotional account. Pyramid CU may discontinue at anytime.)	1.98 0.50	2.00 on the first $500 0.25 above $500
Regular Shares / Kid$aver Club accounts ($100 monthly average balance required to earn dividends)	0.25	0.25
Smart Money (Limited to one withdrawal per calendar quarter)	0.25	0.25
Sharedraft/Checking (no dividends offered at this time.)	0.00	0.00
Money Market Savings
$1,000 to $9,999.99 monthly average balance	.30	.30
$10,000.00 to $25,000.00 monthly average balance	.40	.40
$25,000.01 to $90.000.00 monthly average balance	.56	.56
$90.000.01 to $175,000.00 monthly average balance	.81	.81
Over $175,000.000 monthly average balance	.91	.91
Individual Retirement Accounts
IRA - up to $10,000	1.20	1.21
IRA - $10,000.01 to $20,000.00	1.30	1.31
IRA - over $20,000	1.40	1.41

All RATES SUBJECT TO CHANGE AT ANY TIME.
*APY = Annual Percentage Yield

Dividends are based on average daily balance and are paid monthly.

CERTIFICATE ACCOUNTS TERM	RATE	APY*
6-Month Certificate	.71	.71
1-Year Certificate	.95	.95
2-Year Certificate	1.30	1.31
3-Year Certificate	1.76	1.77
4-Year Certificate	2.05	2.07
5-Year Certificate	2.20	2.22

All RATES SUBJECT TO CHANGE AT ANY TIME.
*APY = Annual Percentage Yield

Early withdrawal penalties may apply.

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