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Auto Loan Rates Current as of 3/1/2019 Term APR* as low as 36-42 months 2.24% 43-60 months 2.49% 61-78 months^ 2.74% 79-84 months^ 3.24% *Above rates represent a credit score of at least 780, a minimum of $25,000, and Automatic Payments from a PVFCU Checking Account. Members may see an increase in APR based on credit, value of vehicle, age of vehicle, and/or amount financed. Not all loans will be eligible for all terms listed above.

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^$10,000 minimum amount financed Vehicle value is based off KBB Invoice for new vehicles or NADA retail values for used vehicles. If you are unsure about how to obtain the value please contact us. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. All rates listed are fixed. Down payment on vehicle loans varies depending on your credit score and the purchase price of the vehicle. Debt payments including all bills must not exceed 45% of your total gross income or less depending on credit.

Representative payment example: A $10,000 loan at a 1.99% Annual Percentage Rate for 36 months would require 36 monthly payments of $286.38. For commercial vehicle rates please contact a business loan officer. Dividend/Simple Choice Current as of 3/1/2019 Balance APY* Dividend Rate over $25,000 0.15% 0.150% over $10,000 0.10% 0.100% balances to $10,000 0.10% 0.100% *APY = Annual Percentage Yield; Dividends are paid monthly. All rates quoted are subject to Credit Union earnings and are subject to change without notice.

To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. Dividends paid on Simple Choice Checking only if that option is selected as part of customized account.

Premium Advantage Dividends Current as of 3/1/2019 Balance APY* Div. Rate over $100,000 0.35% 0.349% over $25,000 0.25% 0.250% over $10,000 0.10% 0.100% balances to $10,000 0.10% 0.100% *APY = Annual Percentage Yield; Dividends are paid monthly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings.

Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. Dividends paid on Simple Choice Checking only if that option is selected as part of customized account.

Business Advantage Checking Rates Current as of 3/1/2019 Balance ($25 minimum to open) APY* Dividend Rate $250,000 and over 0.26 - 0.50% 0.499% $150,000 - $249,999 0.23 - 0.26% 0.300% $50,000 - $149,999 0.18 - 0.23% 0.250% $10,000 - $49,999 0.08 - 0.18% 0.200% $2,500 - $9,999 0.01 - 0.08% 0.100% less than $2,500 0.00 - 0.01% 0.010% *APY = Annual Percentage Yield; Dividends are paid monthly on a Tier B calculation. Dividends in each tier are calculated separately from other tiers.

All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. Regular Fixed Rate Certificates Current as of 3/1/2019 Min. Opening Deposit Term APY* Dividend Rate $1,000 6 months 1.35% 1.343% 1 year 2.10% 2.084% 18 months 2.35% 2.330% 2 years 2.40% 2.379% 30 months 2.50% 2.477% 3 years 2.53% 2.506% 4 years 2.55% 2.526% 5 years 2.85% 2.820% $10,000 (New deposits^) 25 months 2.70% 2.673% $90,000 6 months 1.40% 1.393% 1 year 2.15% 2.133% 18 months 2.40% 2.379% 2 years 2.45% 2.428% 30 months 2.55% 2.526% 3 years 2.58% 2.555% 4 years 2.60% 2.575% 5 years 2.90% 2.869% *APY = Annual Percentage Yield; Dividends are paid quarterly.