| Rates as of Friday, January 02, 2009 |
 |
| Product Description |
Points |
Origination Fee |
Interest Rate |
APR |
Payment per $1,000 |
Apply |
| 80% Financing |
| 10 year fixed rate |
0.000 |
0.000% |
4.750% |
4.761% |
$10.48 |
|
| 15 year fixed rate |
0.000 |
0.000% |
4.875% |
4.883% |
$7.84 |
|
| 20 year fixed rate |
0.000 |
0.000% |
5.000% |
5.006% |
$6.60 |
|
| 25 year fixed rate |
0.000 |
0.000% |
5.125% |
5.130% |
$5.92 |
|
| 30 year fixed rate bi-weekly only |
0.000 |
0.000% |
5.375% |
5.380% |
$2.80 |
|
| 1 year ARM |
0.000 |
0.000% |
4.250% |
4.254% |
$4.92 |
|
| 3 year ARM |
0.000 |
0.000% |
4.625% |
4.341% |
$5.14 |
|
| 5/1 ARM |
0.000 |
0.000% |
5.000% |
4.370% |
$5.37 |
|
| 7/1 ARM |
0.000 |
0.000% |
5.125% |
4.550% |
$5.44 |
|
| Permanent Construction Loans |
| 3 year ARM |
0.000 |
0.000% |
4.625% |
4.378% |
$5.14 |
|
| Fixed rate available - Contact loan department for details |
| Home Equity Access Line of Credit |
| 15 year Draw Period |
0.000 |
0.000% |
3.250% |
3.250% |
$7.03 |
|
| Fixed Home Equity Loan - There will be a .25% rate reduction if monthly payments are automatically deducted from a PNCU Checking Account. Your actual rate may be different than the advertised rate based upon your credit score. |
| 5 year term |
0.000 |
0.000% |
5.500% |
5.507% |
$19.10 |
|
| 10 year term |
0.000 |
0.000% |
6.000% |
6.004% |
$11.10 |
|
| 15 year term |
0.000 |
0.000% |
6.250% |
6.253% |
$8.57 |
|
| New Automobile Loans-There will be a .25% rate reduction if monthly payments are automatically deducted from a PNCU Checking Account. Our rates are tiered. Your actual rate may be different than the advertised rate based upon your credit score. |
| Up to 60 months - RATES AS LOW AS |
0.000 |
0.000% |
5.750% |
5.750% |
$19.22 |
|
| 61 - 72 months - RATES AS LOW AS |
0.000 |
0.000% |
6.000% |
6.000% |
$16.57 |
|
| Used Automobile Loans-There will be a .25% rate reduction if monthly payments are automatically deducted from a PNCU Checking Account. Our rates are tiered. Your actual rate may be different than the advertised rate based upon your credit score. |
| 2005 & Newer Models - RATES AS LOW AS |
0.000 |
0.000% |
6.000% |
6.000% |
$19.33 |
|
| 2003 - 2004 Models - RATES AS LOW AS |
0.000 |
0.000% |
6.500% |
6.500% |
$23.71 |
|
| 2001 & 2002 Models - RATES AS LOW AS |
0.000 |
0.000% |
7.000% |
7.000% |
$30.88 |
|
| 1998 - 2000 Models - RATES AS LOW AS |
0.000 |
0.000% |
8.000% |
8.000% |
$36.89 |
|
