Rates

Savings and Certificate Rates Effective: 04/18/2008 All Rates are subject to change without notice.

Savings Rates
(Dividends paid monthly)
	Dividend Rate	APY
Regular Savings
$25.00 - $4,999.99	.250%	.25%
$5,000 - $19,999.99	.500%	.50%
$20,000 and over	.750%	.75%
PARDA Premier Savings
$2,500 - $9,999.99	1.00%	1.00%
$10,000 - $19,999.99	1.240%	1.25%
$20,000 - $49,999.99	1.740%	1.75%
$50,000 - $99,999.99	2.180%	2.20%
$100,000 and over	2.760%	2.80%

All IRA Savings Account	1.740%	1.75%

All Other Savings Accounts	.250%	0.25%
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

2.575%

2.60%

6 Months

$500

Maturity

3.080%

3.10%

1 Year

$500

Quarterly

3.260%

3.30%

1 Year JUMBO

$50,000

Quarterly

3.455%

3.50%

1 Year Youth Certificate *****

$500

Quarterly

3.922%

4.00%

18 Months

$500

Quarterly

3.260%

3.30%

2 Years

$500

Quarterly

3.310%

3.35%

3 Years

$500

Quarterly

3.360%

3.40%

4 Years

$500

Quarterly

3.405%

3.45%

5 Years

$500

Quarterly

3.455%

3.50%

*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
*****Must be opened in the name of the child. Certificate is for children under the age of 18 only. May be new or existing money. Child may open more than 1 certificate. Cannot be combined with any other offer.

Please note: The 1 Year Jumbo’s rate is non-renewable and for a limited time only.

Senior Plus Certificate Rates
(Age 60 and over)
Terms	Minimum Deposit	Dividend Paid	Dividend Rate	APY
1 Year	$500	Quarterly	3.310%	3.35%
18 Months	$500	Quarterly	3.310%	3.35%
2 Years	$500	Quarterly	3.360%	3.40%
3 Years	$500	Quarterly	3.410%	3.45%
4 Years	$500	Quarterly	3.455%	3.50%
5 Years	$500	Quarterly	3.5058%	3.55%

Loan and Credit Rates Effective 03/24/2007. All Rates are subject to change without notice.

PARDA Federal Credit Union VISA Disclosure
	VISA Classic	VISA Gold
Annual Percentage Rate	13.90% Fixed APR	9.9% Fixed APR
Annual Card Fee	None	None
Late Payment Fee	$22.00 after 10 days	$22.00 after 10 days
Transaction Fee for Purchases / Cash Advances	None	None
Minimum Finance Charge	None	None
Returned Payment Fee	$28.00	$28.00
Balance Transfer	None	None
Visa Cross Border Conversion Fee	1% of transaction amount
Balance Calculation Method	Average Daily Balance (excluding new purchases)
Grace Period	You have 25 days from the end of the statement closing date to pay any balances for purchases in full before a finance charge will be imposed.
The information about the costs of this card is accurate as of February 28th, 2007. This information may have changed after that date. To find out what may have changed, write to us at P.O. Box 5010, Rochester, MI 48308-5010, or call us at 800-860-5640

Loan Rates
Effective 03/24/2007
(All loan rates quoted APR (Annual Percentage Rate). All rates subject to change without notice.

Car and Truck Loans
All New and Used Vehicles *	As Low As	4.75%

Recreational Vehicles 1994 - 2004*
Boats, Motor homes, Travel Trailers, Jet Ski's and Snowmobiles*	As Low As	6.25%

Share/Certificate Pledged Loans
Collateral rate + 3%

PrimePlus Line of Credit
Prime Rate + 2% (Minimum Rate 7%)		7.25%

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%
Pfizer Education Assistance Loan Must have Direct Deposit with PARDA Must have Class Approval Paperwork	6 Month Term	5.75%
Visa Credit Cards
Visa Classic		13.90%
Visa Gold		9.90%

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	6.50%
80 - 90% LTV*	As low As	6.75%
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	6.75%
80 - 90% LTV*	As Low As	7.00%
90 - 95% LTV*	As Low As	8.00%

Home Equity - Interest Only
5 Year term w/Balloon Maximum 80% LTV*	As Low As	5.50%
First Mortgage Loans	Contact your branch or CUSO Mortgage (1-800-400-4540) for rates	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.