*Offer applicable for applicants with a credit score of 700 or higher. New autos model years 2009-2011 and used autos model years 2004-2010 with mileage less than 90,000. Advertised APR is the lowest available and includes a .25% discount with automatic payment from an active Pawtucket Credit Union checking account. Interest rate will be determined by individual creditworthiness. Other rates and terms available. Existing Pawtucket Credit Union auto loans are not eligible for this promotion.

** Advertised APR is lowest available and includes .25% discount for automatic payment from an active Pawtucket Credit Union checking account. Interest rate will be determined by individual creditworthiness. Existing Pawtucket Credit Union auto loans not eligible.

^†Advertised APRs are the lowest available and include a .25% discount with automatic loan payment from an active Pawtucket Credit Union checking account.

***Variable APR will be based on Prime Rate +3% if $7,500 or more is advanced at loan closing. Prime Rate is the Prime Rate published in the Wall Street Journal. Automatic payment discount does not apply. Maximum loan amount: $25,000.

^†††Advertised Introductory 1.99% Annual Percentage Rate (APR) is the lowest available, is fixed for the first 12 months requiring payment from an active Pawtucket Credit Union checking account and an initial disbursement of $25,000 or more immediately after 3-day rescission period. Offer applicable for applicants with a credit score of 700 or higher. After initial 12 monthly billing cycles, rate becomes variable based on Prime, with a floor of 4.00% (4.00% APR as of 6/9/10). Interest rate and line amount determined by individual creditworthiness and loan-to-value ratio.  Account subject to individual approval. Applicable trust review fees apply. 1-4 family, owner-occupied, primary residence properties only.  Property insurance (and flood insurance if applicable) required.  Rate subject to change without notice.  APR will not exceed 21% or fall below 4.00%. No annual fee for first year, then $50 per year.  If a Home Equity Line is paid in full and closed within twelve (12) months of open date, a prepayment penalty will apply: RI - up to $250, but not to exceed 2% of the balance due at time of payoff; MA - remaining balance of first year's interest or amount equal to last 3 months interest, whichever is less. Existing PCU home equity lines/loans are not eligible for refinance with this promotion.

*****Advertised APR available for qualifying properties with a loan-to-value (LTV) of 80% or less. Advertised APR is lowest available and includes a .25% discount with automatic payment from an active Pawtucket Credit Union checking account. Other rates and terms available. Applicable trust review fees apply. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. Interest rate will be determined by individual creditworthiness and loan-to-value ratio. Account subject to individual approval.1-4 family owner-occupied primary residence properties only. If a Home Equity Loan is paid in full within twelve (12) months of loan closing, a prepayment penalty will apply: RI - up to $250,but not to exceed 2% of the balance due at time of payoff; MA - remaining balance of first year's interest or amount equal to last 3 months interest, whichever is less.
******Advertised APR available for qualifying properties, first lien position equity, with a loan-to-value (LTV) of 80% or less, and a maximum repayment period of 144 months. A minimum credit score of 675 is required for all borrowers. Advertised APR is lowest available and includes a .25% discount with automatic payment from an active Pawtucket Credit Union checking account. Applicable trust review fees apply. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. Account subject to individual approval. 1-4 family owner-occupied primary residence properties only. If a Spectrum Home Loan is paid in full within twelve (12) months of loan closing, a prepayment penalty will apply: RI - up to $250, but not to exceed 2% of the balance due at time of payoff; MA - remaining balance of first year's interest or amount equal to last 3 months interest, whichever is less.

^******3.75% APR on a 5/5 adjustable rate loan is fixed for the first 60 months and then may change every five years. available for qualifying properties, first lien position equity, with a loan-to-value (LTV) of 80% or less, and a maximum repayment period of 144 months. Max Adjust ½% within first 10 years. Lifetime Cap 1%. A minimum credit score of 675 is required for all borrowers. Advertised APR is lowest available (as of 08/19/10). Other rates and terms available. Applicable trust review fees apply. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. Account subject to individual approval. 1-4 family owner-occupied primary residence properties only. If a Home Equity Loan is paid in full within twelve (12) months of loan closing, a prepayment penalty will apply: RI - up to $250, but not to exceed 2% of the balance due at time of payoff; MA - remaining balance of first year's interest or amount equal to last 3 months interest, whichever is less. Existing Pawtucket Credit Union Spectrum Home Loans are not eligible for this promotion. Repayment example: $8.63 per $1,000 borrowed for initial 60 monthly payments, followed by $8.63 per $1,000 borrowed for remaining 84 month period. Interest rate and payments may increase or decrease every five years after initial 60 month period.

Repayment Examples:
For new and used auto loans: At 3.49% APR, 60 monthly payments of $18.19 per $1,000 borrowed.
For equity loans: At 5.50% APR, 240 monthly payments of $6.89 per $1,000 borrowed.
For Spectrum Home Loan: At 4.375% APR, 144 monthly payment of $8.95 per $1,000 borrowed.
For new motorcycle loans: At 5.74% APR, 60 monthly payments of $19.22 per $1,000 borrowed.
For new RV/boat/trailer loans: At 9.25% APR, 60 monthly payments of $20.88 per $1,000 borrowed.
For personal loans: At 12.74% APR, 48 monthly payments of $26.70 per $1,000 borrowed.