Rates Information Page for QUINCY POSTAL EMPLOYEES CREDIT UNION

QUINCY POSTAL EMPLOYEES CREDIT UNION

Share/Savings Accounts

Club Accounts

CHRISTMAS CLUB

.55 Div. Rate

.56 APY *

no withdrawals allowed during year

Share Accounts

MIMIMUM DEPOSIT OF $5.00 REQUIRED TO OPEN ACCOUNT.

REGULAR SHARE ACCOUNT

.55 Div. Rate

.56 APY *

$1 Minimum $4000 Maximum dividend rate paid as of 06/30/09

REGULAR SHARE ACCOUNT

1.05 Div. Rate

1.06 APY *

$4000 Minimum $100000 Maximum dividend rate paid as of 06/30/09

Share Certificate Accounts

SHARE CERTIFICATES ARE NON TRANSFERABLE. THE ANNUAL PERCENTAGE YIELD IS BASED ON AN ASSUMPTION THAT DIVIDENDS WILL REMAIN IN THE ACCOUNT UNTIL MATURITY.

6 MONTH SHARE CERTIFICATE

1.40 Div. Rate

1.41 APY *

$1000 Minimum $100000 Maximum

1 YEAR SHARE CERTIFICATE

1.90 Div. Rate

1.92 APY *

$1000 Minimum $100000 Maximum .

Share Draft Accounts

REGULAR SHARE DRAFT ACCOUNT

.15 Div. Rate

.15 APY *

$5 Minimum $100000 Maximum dividend rate paid as of 06/30/09

Loan Accounts

Unsecured Loans (Signature)

SIGNATURE

14.65 APR

UP TO 60 MONTHS

SIGNATURE

13.65 APR

UP TO 60 MONTHS

Share-Secured Loans

100% SHARE SECURED

5.00 APR

UP TO 72 MONTHS

50% SHARE SECURED

5.50 APR

UP TO 60 MONTHS

Vehicle Loans

NEW CAR - CURRENT MODEL YEAR

5.30 APR

36 MONTHS

NEW CAR-CURRENT MODEL YEAR

5.50 APR

48 MONTHS

NEW CAR-CURRENT MODEL YEAR

6.00 APR

60 MONTHS

USED CAR - 1 /2 YEAR OLD MODELS

6.50 APR

UP TO 60 MONTHS

USED CAR-3/5R OLD MODEL

6.75 APR

UP TO 60 MONTHS

USED CAR-5 YEAR OLD MODEL

7.90 APR

UP TO 48 MONTHS

Motorcycle Loans

MOTORCYCLE LOANS<20,000.00

8.70 APR

UP TO 48 MONTHS

MOTORCYCLE LOANS<20,000.00

9.00 APR

UP TO 60 MONTHS

MOTORCYCLE LOANS >20,000.00

9.25 APR

UP TO 72 MONTHS

Watercraft Loans

BOATS, WATER JETS

8.70 APR

UP TO 48 MONTHS

BOATS, WATER JETS

9.00 APR

UP TO 60 MONTHS

BOATS, WATER JETS

9.25 APR

UP TO 72 MONTHS

Mobile Home Loans

MOTOR HOMES

8.70 APR

UP TO 48 MONTHS

MOTOR HOMES

9.00 APR

UP TO 60 MONTHS

MOTOR HOMES

9.25 APR

UP TO 72 MONTHS

Credit Cards

VISA CLASSIC

11.88 APR

VISA PLATINUM PREFERRED

9.9 APR

Personal Loans

SECURED BY COLLATERAL

9.15 APR

UP TO 60 MONTHS

LOAN RATES MAY BE SUBJECT TO A 1/2 % DISCOUNT IF TEMPORARY DISABILITY INSURANCE IS ELECTED BY MEMBER.

GAP INSURANCE IS AVAILBLE TO ALL MEMBERS FOR CAR LOANS.

CERTAIN RESTRICTIONS APPLY TO SIGNATURE LOANS.

RATES STATED ARE TO QUALIFIED BORROWERS.

THESE RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.

NEW CAR RATES INCLUDE TEMPORARY DISABILITY INSURANCE.

Fees & Disclosures


Deposit Account Fees


SHARE DRAFT NSF FEE	20.00
SHARE DRAFT STOP PAYMENT FEE	10.00
SHARE DRAFT MICROFILM COPY	1.50
SHARE DRAFT RETURN OF ORIGINAL DRAFT	5.00
SHARE DRAFT PERSONAL CHECKS	VARIES BY STYLE
SHARE DRAFT PERSONAL CHECKS -NEW ACCOUNT	FIRST 50 FREE


Miscellaneous Fees


TRAVELERS CHKS PER $100	.50
VISA GIFT CARDS	2.50
VISA CREDIT CARD -LATE FEES	25.00
VISA CREDIT CARD - OVER LIMIT FEE	25.00
VISA CREDIT CARD-RETURNED CHECK FEE	15.00
VISA CREDIT CARD-RECOVERY FEE	65.00
ATM WITHDRAWAL S	4 FREE/$1 PER WITHDRAWAL THEREAFTER