Every time you save or borrow a dollar at Pacific Spruce Federal Credit Union, interest rates play an important role. In other words, we’ll pay you for your savings, and provide you with an affordable loan that helps us pay dividends and provides additional products and services to members everywhere. After all, cooperation is what credit unions are all about.

Savings Rates
Effective January 1, 2010
Rates are subject to changes without notice

Account Type		Rate	APY*
Regular Share (Savings)		0.25%	0.25%
Share Draft (Checking)		0.00%	0.00%
Club Accounts		0.25%	0.25%
IRA		0.25%	0.25%
Money Market
	$0.00 to $4,999.99	0.25%	0.25%
	$5,000.00 to $9,999.99	0.40%	0.40%
	$10,000.00 to $24,999.99	1.00%	1.00%
	$25,000.00 to $49,999.99	1.24%	1.25%
	$50,000.00 to $99.999.99	1.49%	1.50%
	$100,000.00 and above	1.74%	1.75%

* APY = Annual Percentage Yield

Loan Rates
Effective January 1, 2010
Rates are subject to changes without notice

Loan Type	Term (up to)	APR*
Share Secured	--	3.00% above dividend rate
New Vehicles	60 Months	4.99%
New Vehicles	82 Months	6.00% and up
Used Vehicles	72 Months	5.50% and up
RV & Campers	84 Months	4.99% and up
Boats	96 Months	4.99% and up
Motorcycles	60 Months	4.99% and up
Personal Loans	60 Months	11.00% and up

* APR = Annual Percentage Rate