Rates Effective 07/22/2008

Annual Percentage Yield (APY) is the total amount of dividends paid on an account based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for an early withdrawal of a fixed term certificate or IRA. Rates are subject to change without notice.

IRA VARIABLE RATE 04/01/2008 thru 06/30/2008 1.71% APY 1.70% Rate

CERTIFICATE OF DEPOSIT RELATIONSHIP REWARDS (Not applicable to CD Specials)

New Money Bonus (money not currently on deposit at EPCU) add .10
Loyalty Bonus add .10 to any CD with a loan balance of $15,000 or more.

No early redemptions on CD's with credit union when reinvesting.

No loyalty or new money bonus with rate matches. (Effective May 20, 2008, only matching local credit union).

Rates posted and effective 07/21/2008

CONTACT YOUR LOAN DEPARTMENT AT

Monroe: 734.242.3765 or 800.732.1921
Lambertville: 734.856.4029
E-Mail: loans@edpluscu.com

Basic Loan Application (home equity, auto, signature, rec. vehicles, etc.)

Debit Card Application

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• New Vehicle Loans as low as 5.99% a.p.r. up to 72 months


• Used Vehicle Loans as low as 6.50% a.p.r. up to 72 months


• New Recreational Vehicle Loans as low as 5.99% a.p.r. up to 72 months


• Used Recreational Vehicle Loans as low as 5.99% a.p.r. up to 72 months

Loan rates = New purchases only - no refinancing of current EPCU loans.

HOME EQUITY LOANS

• As low as 7.25% a.p.r. up to 15 years (L34, L39) variable rate/variable payment


• As low as 5.00% a.p.r. up to 7 years (L43) - fixed rate/fixed payment


• As low as 5.15% a.p.r. up to 10 years (L33) - fixed rate/fixed payment


• As low as 5.25% a.p.r. up to 12 years (L45) - fixed rate/fixed payment


• As low as 7.95% a.p.r. up to 20 years (L42)- fixed rate/fixed payment


• As low as 8.00% a.p.r. up to 25 years (L46) - fixed rate/fixed payment Line-Of-Credit


• As low as 5.00% a.p.r. up to 144 months (L47) - fixed rate/fixed payment Line-Of-Credit

* EPCU Home Equity Loans have no application fees - appraisal fee and title insurance fee will be paid by member if applicable.

Home Equity Lines Of Credit: Interest rates for Home Equity Lines of Credit is based on the Prime Rate plus .25% rounded up to the nearest quarter percent. Interest rates are subject to change quarterly or annually depending on program chosen by member. Maximum variable rate for a Home Equity Line of Credit is 18% APR. EPCU does not require a down payment on home equity loans for qualifying borrowers. Maximum repayment shall not exceed 25 years. Contact your credit union loan officer for complete details about our Home Equity programs.

We are an equal housing lender

VISA
Contact EPCU for VISA information or click on the Visa Application below:
VISA Application

CREDIT SCORING:
We now base loan approval and interest rate on credit score. The rates shown here are our standard rates that could be adjusted per applicant based on qualifying criteria. Please contact the credit union for details.

APR = Annual Percentage Rate

All rates accurate at time of posting and are subject to change.

WE OFFER:
Student Loans, Revolving Credit Loans, Boat Loans, Travel Trailer Loans,
Motorcycle Loans, and much, much more!!! Call for rates!