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November 2005
Patelco Credit Union
In this issue...
Holiday Loan Get Funds with a
Holiday Loan
Certificates Save with a
Holiday Club
Refinance Home Loan
Center
Bill Payer Promo Win Big with
Bill Payer
Financial Advisors

Financial Advisor:
Jan Russell
Home and Auto Insurance Protect Your
Home or Auto
Financial Tips Financial Tips
Quick Links
> Calendar
> Seminar Schedule
> Today's Rates
> Web Tip
> PC-24 Tip
> Vital Statistics
> Contact Us

> Trading in a Car
Before you trade in your old car to buy a new one, make sure you know what it's worth. Research trade-in values through our Auto Buying Center.

> Insurance for Young Parents
Welcoming a new addition into the home also brings new responsibilities. It's a smart idea to protect the future of your loved ones and offspring with disability or life insurance.

Today's Rates
View other rates

Account Rate
Auto Loan 5.15% APR1 (as low as)
12-Month Certificate 4.54% APY2
Interest Only Equity Line of Credit 6.75% APR3
Interest Checking 0.25% APY4

Rates as of 10/26/2005 and may change without notice. Rates may be different than those advertised in the printed newsletter. View current rates.

1 - Annual Percentage Rate. Rate may be higher depending on your credit rating, account relationship, term, vehicle value, and other qualifications and may be .10% to 13.10% above quoted rates. Terms are available up to 84 months. 5.15% APR applies up to 60-month term on 1996 or newer vehicles with up to 100% financing available to qualified members.

2 - Annual Percentage Yield. Rate is 4.45%. Dividends paid monthly. Minimum balance is $1,000.

3 - The HELOC is a variable rate plan based on the Prime Rate plus a margin of 0.00% or 0.75% based on credit history and loan to value for owner occupied properties. Payments and rate can adjust monthly. The payment is interest only for the first 10 years. Thereafter, line converts to a payment of 1.25% of balance owed. The maximum rate the HELOC can go to is 17.00%. Closing costs range from $0 to $1,500. Currently the HELOC is only available for properties located in CA. Property must be owner-occupied.

4 - Minimum opening deposit is $10. Rate is 0.25%.

 
Patelco Credit Union is privately insured by American Share Insurance up to $250,000 per account. This institution is not federally insured, and if the institution fails, the federal government does not guarantee that depositors will get back their money. Accounts with this institution are not insured by any state government.

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156 Second Street, San Francisco, CA 94105