Rates Effective as of May 16th, 2011

Type of Loan Approximate Term (Months) Annual Percentage Rate (APR)

Share Secured Loan Up to 60 Months 3.50% Certificate Secured Loan Term of Certificate CD Rate + 2.00% Signature Loan 12 - 36 Months 8.95% - 18.00% Credit Builder Loan 12 - 48 Months 12.50% Secured Loans, New/Used up to 7 years old (Vehicle, RV, Boat, Motorcycle, Farm Equipment) Up to 72 Months 4.70% - 17.05% Secured Loans, older than 7 years (Vehicle, RV, Boat, Motorcycle, Farm Equipment) Up to 72 Months 8.95% - 18.00%

Relationship Discounts
Patterson Federal Credit Union believes that the relationships it holds with its members are very important. The more "relationships" you have with us through services, the better we are able to help you with your financial needs. By taking advantage of 1 or more of the services we offer, a member qualifies for our Relationship Discounts.

The following discounts* from loan rates will be applied for each service held by member:
Checking Account with Net Pay Direct Deposit: 0.25%
Payroll Deduction/Auto Draft: 0.25%
Online Banking: 0.05%
Credit Life, Disability & GAP Insurance: 0.25%
Multiple Services: 0.25%

*Floor rate is 3.50%, regardless of member’s qualifying account relationships. Relationship Discounts do NOT apply to Share Secured of Certificate Secured Loans.