Erie Metro Federal Credit Union

Friday, July 30, 2010
3:06 PM

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Erie Metro FCU Rates & Fees


Rates and Fees are effective as of 06/29/2010

Description	Minimum Balance	APR	APY
Regular Savings / Club Accounts	.01 - $99.99 $100.00 - $249.99 $250.00 +	0% .15% .40%	0% .15% .40%
Youth Savings Accounts	.01 - $249.99 $250.00 +	.15% .40%	.15% .40%
Money Market	$2,500 - $9,999.99	.75%	.75%
Money Market	$10,000 - $24,999.99	1.00%	1.01%
Money Market	$25,000 +	1.25%	1.26%
IRA	N/A	1.75%	1.76%
6 Month Share Certificate *	$500.00	.90%	.90%
12 Month Share Certificate *	$500.00	1.25%	1.26%
24 Month Share Certificate *	$500.00	1.75%	1.76%
APR - Annual Percentage Rate APY - Annual Percentage Yield * Penalties incurred for early withdrawal on share certificates. Rates and Fees are subject to change at any time.

Service Fees (as of 06/29/2010)
Checking
Check Copy	$2.00
Statement Copy	$2.00
Non-sufficient funds	$25.00
Overdraft per check cleared	$25.00
Official Check withdrawal (excess, each, over 1 per day)	$3.00
Stop payment	$25.00
VISA Check Card
Withdrawal (We have a list of selected locations where W/D is free)	$1.25
POS Transactions	No charge
Deposit	No charge
Reset PIN	$1.00
Replacement Card	$5.00
NSF Withdrawal or Return Check deposited at ATM	$25.00
Loan or Credit Card
Late Charge (minimum)	$25.00
Auto Lien Filing Fee (at time of loan)	$10.00
Duplicate Lien Release	$10.00
Duplicate Mortgage Discharge	$10.00
Mastercard Late Charge	$25.00
Mastercard Overlimit Fee	$25.00
Mastercard Cash Advance Fee (not an Erie Metro Mastercard)	$15.00
Share Savings Accounts
Open Account	$5.00
Statement Copy	$2.00
Official Check Withdrawal (excess,each, over 1 per day)	$3.00
Returned Check	$25.00
Withdrawals (excess, each, over 8 per quarter)	$0.50
Reopen Closed Account	$5.00
Other
Certified Draft	$5.00
American Express Gift Check	$2.50
Money Order	$1.00
Domestic Wire Transfer	$15.00
International Wire Transfer	$30.00
Tax Levy, Collection Order, Records Subpoena, Court Orders	$10.00
Account Research	$15.00/hour
Account Reconciliation	$15.00/hour
Early Withdrawal Penalty on Christmas Club Account	$15.00
Check Cashing Fee (accounts with less than $100 on deposit)	$2.00

Loan Guidelines Effective 06/29/2010

Loan Type	Limit	Term	APR%	Conditions
Share Cert. Sec'd	Cert. Value	1-2 yrs.	3% above Cert. Rate	Loan to be paid in full by Cert. Maturity Date. Hold placed on Share Certificate.
Reg. Share Sec'd	Acct. Value	1-5 yrs.	5% above Sav. Rate	Hold placed on share account
New Vehicle	Up to 100% MSRP	1-5 yrs. 6 yrs.	6.99% 7.99%	1st lienholder, Vehicle as collateral & fully insured; EMFCU named as Loss Payee on insurance.
Used Vehicles	Up to 100% NADA Book Retail Value	1-5 yrs.	7.99%	Same as New Vehicle. Vehicles up to 7 years old.
*Rec. Vehicles & Motorcycles	Up to 100% NADA Book Retail Value	1-5 yrs. 6 yrs.	8.99% 9.99%	New- 7 Years Old. New- 7 Years Old.
Home Improvmt. or Mobile Home	$3k- $9,999 80-90% LTV	1-5 yrs. 6-10 yrs.	7.49% 7.99%	Appraisal may be required. Property lien to be filed. Member pays filing fees.
Home Equity	$10k - $39,999 $40k - $100,000 $10k - $100,000	LOC 3-15 yrs. LOC 3-15 yrs. Loan 3-5 yrs. Loan 6-10 yrs. Loan 11-15 yrs.	Prime Rate P.R. - 0.25% 6.59% 6.99% 7.99%	Addl. terms & details apply. 85-90% LTV Addl. terms & details apply. 80-90% LTV Disclosure Call 826-1976 for Add'l terms & details.
Personal/Consol.	Unsec. $1k- $10k Sec. $1k - $10k Sec. Over $10k	1-5 yrs. 1-5 yrs. 1-5 yrs.	10.49% ???% ???%	Sig. loans based on credit qualifications. Rate Based on type of Collateral. Rate Based on type of Collateral.
MasterCard	$500- $15,000	Revolving	8.99% (18.00% Default Rate)	No annual fee
Vacation Or Holiday	$500- $5,000 $500- $3,000	One Year Same	Set by board prior to promo	Credit history & capacity to pay. Collateral may be required in certain conditions.

* Recreational vehicles include Motorcycles, Boats, Motor homes, Recreational vehicles, Campers, Jet Skis, Snowmobiles or ATV vehicles.

* Interest rates listed are the lowest rates offered during non-promotional periods. Other interest rates may apply based on tier-level lending perimeters and credit qualifications. Other promotional rates may be available throughout the year and may end at any time without prior notice. Erie Metro FCU is an Equal Housing and Equal Opportunity Lender.