Rates Effective 08/25/2010

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 04/01/2010 thru 06/30/2010 1.25% APY 1.24% Rate

CERTIFICATE OF DEPOSIT RELATIONSHIP REWARDS* (Not applicable to CD Specials)
Loyalty Bonus Maximum is .20

• E-Statements add .10


• Direct Deposit add .10


• New Money add .10


• Any loan with a balance add .10

* Some restrictions apply.

Rates posted and effective 04/20/2010

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 AUTO LOANS

• As low as 3.45% a.p.r. up to 60 months


• New autos up to 72 months add .50%


• New autos up to 84 months add 1%

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USED AUTO LOANS

• As low as 4.60% a.p.r. up to 60 months


• Used autos up to 72 months add 1%

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• New Recreational Vehicle Loans as low as 8.35% a.p.r. up to 72 months


• Used Recreational Vehicle Loans as low as 8.50% a.p.r. up to 72 months


• New Boat Loans as low as 8.50% a.p.r. up to 180 months


• Other Boat Loans as low as 8.60% a.p.r. up to 84 months.

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

HOME EQUITY LOANS

• As low as 3.50% a.p.r. up to 20 years (L40) variable rate/variable payment



• As low as 6.00% a.p.r. up to 15 years (L34, L39) variable rate/variable payment



• As low as 4.99% a.p.r. up to 7 years (L43) - fixed rate/fixed payment



• As low as 5.52% a.p.r. up to 10 years (L33) - fixed rate/fixed payment



• As low as 5.69% a.p.r. up to 12 years (L45) - fixed rate/fixed payment



• As low as 6.95% a.p.r. up to 20 years (L42)- fixed rate/fixed payment



• As low as 4.99% a.p.r. up to 4 1/2 years (L44) - fixed rate/fixed payment



• As low as 6.15% a.p.r. up to 12 years (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: Contact the credit union for details on how variable rates are determined.
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. Some restrictions may apply to loan rates and terms. Loan application fee may apply.

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