Beaver Valley FCU Loan and Shared Rates

Vehicle \ Signature \ Share Secured
Share Certificate Secured \ Home Equity \ Loan Calculator
Regular Shares \ Club Accounts \ Share Certificates \ IRAs

Effective - 01/31/2012

LOAN RATES AND TERMS
Loan Type	Annual Percentage Rate	Repayment Terms	Remarks

New Vehicles

SPECIAL RATE
3.99%*

APR* As Low As
4.99%
5.25%
5.50%

Up to 60 Months

Up to 48 Months
Up to 60 Months
Up to 72 Months

NO APPLICATION FEE.
We will finance current or prior model years that have never been titled

100% financing including tax, title and manufacturer's extended warranty

*APR = Annual Percentage Rate. All rates are subject to change without notice. Rates are based on the type of loan, term of loan and your credit worthiness.

Used Vehicle

SPECIAL RATE
5.50%*

APR* As Low As

Up to 48 Months
(4 years old or newer)

NO APPLICATION FEE

5.99%
6.25%
6.49%

Up to 60 Months
Up to 48 Months
Up to 60 Months

Models up to 3 years old
Models up to 5 years old
Models up to 5 years old

100% financing including tax, title and manufacturer's extended warranty

*APR = Annual Percentage Rate. All rates are subject to change without notice. Rates are based on the type of loan, term of loan and your credit worthiness.

Signature

SPECIAL RATE
7.50%*

APR* As Low As
9.9%
10.9%
11.9%
12.9%

Up to 48 Months

Up to 12 Months
Up to 24 Months
Up to 36 Months
Up to 48 Months

$500 - $5,000
Larger amounts and
longer terms available.
NO APPLICATION FEE

*APR = Annual Percentage Rate. All rates are subject to change without notice. Rates are based on the type of loan, term of loan and your credit worthiness.

Share Secured

4.5% above current dividend rate

Up to 48 Months

Longer terms available.
NO APPLICATION FEE

Share Certificate Secured

2.75% above rate at which certificate was issued

Term cannot exceed certificate maturity

Borrow up to value of certificate including accrued dividends.
NO APPLICATION FEE

Home Equity	SPECIAL RATE 4.25%* 4.99%	Up to 5 years Up to 5 Years	$10,000 -$200,000
	5.49%	Up to 10 Years
	5.99%	Up to 15 Years
	6.25%	Up to 20 Years

*APR = Annual Percentage Rate. All rates are subject to change without notice.

Home Equity	Variable*	Open	$10,000 -$100,000**
Line of Credit

APR = Prime+0% (based on the Prime Rate published in the Wall Street Journal). The floor (lowest) rate is 4% APR. *75% of the appraised value less first mortgage balance

Other types of loans and rates available upon request.
Please call (or e-mail loansbeaverfalls@bvfcu.com) for terms and conditions.
Rates are subject to change without notice.

THINK OF US AS YOUR MONEY CENTER
CHECK OUR "SPECIAL LOAN PROMOTION" INFO

SHARE DIVIDEND RATES
2011 FOURTH QUARTER DIVIDENDS The annual percentage yield listed is accurate as of October 1, 2011

	ANNUAL RATE	ANNUAL PERCENTAGE YIELD

Regular Savings	0.125%	0.13%
Christmas Clubs	0.125%	0.13%
Vacation Clubs	0.125%	0.13%
IRA accounts	0.125%	0.13%

NOTE: The minimum balance required to earn the annual percentage yield on Regular Savings is $5.00. Fees could reduce earnings.

CURRENT SHARE CERTIFICATE RATES The following annual percentage yield will be offered from 01/31/12 - 02/06/12. Rates are subject to change without notice.

	ANNUAL RATE	ANNUAL PERCENTAGE YIELD
$500 Minimum:

91 Days	0.325%	0.33%
6 Months	0.400%	0.40%
12 Months	0.750%	0.75%
24 Months	1.125%	1.13%
36 Months	1.250%	1.26%

NOTE:

Dividends do not remain on account for share certificate types with the 'monthly payment' option. The APY posted does not pertain to these certificate types.
All rates and terms are subject to change without notice.
Federal regulations prohibit the payment of dividends in excess of available earnings.
Substantial penalty for early withdrawal.
Rates quoted as of this printing. Rates are subject to change every Tuesday. Current rates are available by calling our Information Hotline (724-847-3222) or e-mail us at info@bvfcu.com.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - NCUA National Credit Union Administration, a U.S. Government Agency

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