Rates - Piedmont Credit Union

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Account Rates	Loan Rates
Auto, RV, Boat, Motorcycle Rates
Home Equity Loan Rates
Personal Loan Rates
All Other Loan Rates

Loan Rates		Nov. 1, 2008
Loan Type	Rate*	Max. Term*	Max. Amount*
Auto, Truck, SUV	4.75%-18.25%	Varies
Boat, RV, Motorcycle	6.50%-18.75%	Varies
Personal Loans	8.50%-20.00%	Varies	$10,000.
Computer Loans	9.25%	Varies	$10,000.
Educational Loans	9.25%	Varies	$10,000.
Certificate Secured	3.00% above certificate rate	Varies	Certificate Balance
50% Share Secured	9.00%	120 Months	50% of Share Balance
100% Share Secured	6.57%	240 Months	100% of Share Balance
Christmas Loan	9.50%	12 Months	$2,000.
Vacation Loan	9.99%	12 Months	$2,000.
VISA Credit Card	12.90%		$5,000.

Home Equity Loan Rates
Loan Type	Rate*	Max. Term*	Max. Amount*
Fixed Rate	6.90%-8.90%	180 Months	90% of Property Value
Variable Rate	3.25%-4.00%**	180 Months	90% of Property Value
*All Loan Rates, Maximum Amounts, Terms, Payments, and Loan Approval are determined by several factors including but not limited to credit history, income, and other account relationships already established with Piedmont Credit Union.
**Variable Home Equity Line of Credit rate is equal to the U.S. Prime Rate -1.00% or U.S. Prime Rate -0.25% depending on credit score. This rate is subject to change on a monthly basis.