Rates

Savings and Certificate Rates Effective: 5/01/2010 All Rates are subject to change without notice.

Savings Rates
(Dividends paid monthly)
	Dividend Rate	APY
Regular Savings
$25.00 - $4,999.99	.150%	.15%
$5,000 - $19,999.99	.250%	.25%
$20,000 and over	.400%	.40%
PARDA Premier Savings
$2,500 - $9,999.99	.400%	.40%
$10,000 - $19,999.99	.600%	.60%
$20,000 - $49,999.99	.900%	.90%
$50,000 - $99,999.99	1.140%	1.15%
$100,000 and over	1.540%	1.55%

All IRA Savings Account	1.240%	1.25%

All Other Savings Accounts	.150%	0.15%
APY = Annual Percentage Yield

Certificate Rates

Get an extra .10% more APY* on your share certificate! Click here to learn how.

(All IRA Certificates - Traditional and Roth, are also available with these terms)

Terms

Minimum Deposit

Dividend Paid

Dividend Rate

APY

91 Days*

$500

Maturity

0.500%

0.50%

6 Months

$500

Maturity

0.750%

0.75%

1 Year

$500

Quarterly

1.190%

1.20%

1 Year JUMBO*

$50,000

Quarterly

1.340%

1.35%

18 Months

$500

Quarterly

1.340%

1.35%

2 Years

$500

Quarterly

1.690%

1.70%

3 Years

$500

Quarterly

1.985%

2.00%

4 Years

$500

Quarterly

2.425%

2.45%

5 Years

$500

Quarterly

2.770%

2.80%

*91 Day & 12 Month Jumbo Certificates are NOT available in any IRA.
*** Dividend Rates for period shown
**** Penalties for early withdrawal may affect principal
***** Dividends must be compounded to earn APY

Senior Plus Certificate Rates
(Age 60 and over)
Terms	Minimum Deposit	Dividend Paid	Dividend Rate	APY
1 Year	$500	Quarterly	1.240%	1.25%
18 Months	$500	Quarterly	1.390%	1.40%
2 Years	$500	Quarterly	1.740%	1.75%
3 Years	$500	Quarterly	2.035%	2.05%
4 Years	$500	Quarterly	2.475%	2.50%
5 Years	$500	Quarterly	2.820%	2.85%

Loan Rates
Loan and Credit Rates Effective 10/13/2008. All Rates are subject to change without notice.
(All loan rates quoted APR (Annual Percentage Rate)

Car and Truck Loans
All New and Used Vehicles *	As Low As	4.25%

Recreational Vehicles *
Boats, Motor homes, Travel Trailers, Jet Ski's and Snowmobiles*	As Low As	5.75%

Share/Certificate Pledged Loans
Collateral rate + 3%

PrimePlus Line of Credit
Prime Rate + 2% (Minimum Rate 7%)		7.00%

Other Secured Loans
See Loan Representative For Details

Closed End Signature Loans*
	As Low As	9.50%

Unsecured Loans
Line of Credit*	As Low As	14.50%
Computer Loans ($3000.00/24 month max term)	As Low As	5.50%
Pfizer Education Assistance Loan Must have Direct Deposit with PARDA Must have Class Approval Paperwork	6 Month Term	5.75%

Home Equity Line of Credit No Costs/15 year draw period Minimum Rate 6% Maximum Rate 18%
Refer to Wall Street Journal for stated Prime Rate
80% LTV or Less*	As Low As	Prime
80 - 90% LTV*	As Low As	Prime +0.50 %
90 - 95% LTV*	As Low As	Prime +1.00%

Closed End Fixed Rate Cost Varies, contact your branch for details / up to 7 year term
80% LTV or Less*	As low As	6.00%
80 - 90% LTV*	As low As	6.25%
90 - 95% LTV*	As low As	7.75%

Closed End Fixed Rate Cost Varies, contact your branch for details / up to 10 year term
80% LTV or Less*	As Low As	6.25%
80 - 90% LTV*	As Low As	6.50%
90 - 95% LTV*	As Low As	8.00%

Home Equity - Interest Only Closed End Fixed Rate Cost Varies, contact your branch for details
5 Year term w/Balloon Maximum 80% LTV*	As Low As	5.50%
First Mortgage Loans	Contact your branch for rates or our Mortgage Dept. at (866) 898-1818	N/A


*The annual percentage rate (APR) disclosed above are the lowest rates available. Your actual rate will reflect your individual credit history and may be higher than the above rates. Please contact one of our loan representatives for more information.