This rate schedule sets forth current conditions and rates applicable to your Certificate Accounts at Pacific Cascade Federal Credit Union at this time. The Credit Union may offer other rates or amend the rates contained in this schedule from time to time. Fees could reduce earnings. Early withdrawl penalty may apply.
Click here to read the Truth in Savings Disclosures for PCFCU Certificate Accounts

Certificate Accounts

I5 ― 6 mos. to under
1 year

I8 ― 1 year to under
2 years

I11― 2 years to under
3 years

I4 ― 3 years

I6 ― 6 mos. to under
1 year

I9 ― 1 year to under
2 years

I12 ― 2 years to under 3 years

I7 ― 3 years

I13 ― 6 mos. to under
1 year

I14 ― 1 year to under
2 years

I15 ― 2 years to under
3 years

I10 ― 3 years

IRA Certificates

I82 & I70 ― 1 year to under 2 years

I85 & I71― 2 years to under 3 years

I81 & I76 ― 3 years

I83 & I72 ― 1 year to under 2 years

I86 & I73 ― 2 years to under 3 years

I84 & I77 ― 3 years

I88 & I74 ― 1 year to under 2 years

I89 & I75 ― 2 years to under 3 years

I87 & I78 ― 3 years

Purchase of New and Used Autos and Trucks (Repayment up to 84 months.)

*Tiered Rates. Your rate will be based on your credit qualifications. Other exclusions and/or restrictions may apply.

Purchase of New and Used Recreational Vehicles and Motorcycles

*Tiered Rates. Your rate will be based on your credit qualifications. Other exclusions and/or restrictions may apply.

Visa Classic Solicitation Disclosure.

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for purchases

APR for Cash Advances

For Credit Card Tips from the Federal Reserve Board go to: http://www.federalreserve.gov/creditcard

Fees

Set up and Maintenance Fees:

• Annual Fee
• Card Replacement Fee

$10.00 first year free, charged each next year at renewal
$  5.00 per card

Transaction Fees:

• Foreign Transaction Fee

1.00% of each transaction in U.S. dollars

Penalty Fees:

• Late Payment Fee
• Return Payment Fee

$25.00 if you are (10) or more days late
$25.00 per returned payment

How we will Calculate your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.

Effective Date: The information about the costs of the card described in this information is accurate as of February 25, 2010. This information may have changed after that date. To find out what may have changed, contact the Pacific Cascade Federal Credit Union.

OTHER DISCLOSURES

Other Fees:      Statement Copy Fee                                   $6.00 per copy
                             Document Copy Fee                                  $6.00 per copy
                             Emergency Card Replacement Fee          $6.00 per copy

Collection Costs for Credit Unions Lending to Borrowers in Oregon: You agree to pay all costs of collecting the amount you owe under this Agreement., including court costs, reasonable attorney's fees and the costs of any appeal by the Credit Union.

Periodic Rates:
The Purchase APR is 10.00% which is a daily periodic rate of 0.0278%.
The Cash Advance APR is 10.00% which is a daily periodic rate of 0.0278%.
The Balance Transfer APR is 10.00% which is a daily periodic rate of 0.0278%.

Variable Rate: The Annual Percentage Rate is subject to change on the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate on the fifteenth day of the month preceding the change date of each quarter as published in The Wall Street Journal "Money Rates" table. The Annual Percentage Rate will never be greater than 18.00%. Any increase in the Annual Percentage Rate will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.

Margin:
Purchases will be charged at 6.75% above the Index.
Cash advances will be charged at 6.75% above the Index.
Balance transfers will be charged at 6.75% above the Index.

Personal Signature Loan

*Tiered Rates. Your rate will be based on your credit qualifications. Other exclusions and/or restrictions may apply.

Share Secured

Certificate Secured

Home Equity Line of Credit

4.75%

Fixed Rate Home Equity
Minimum loan amount $10,000

*Tiered Rates. Your rate will be based on your credit qualifications.
Other exclusions and/or restrictions may apply.

Investment Real Estate Loans