SAVINGS RATES

(Rates effective as of March 1, 2013)

Share Type	Dividend Rate	APY*
Primary Savings (less then $25,000) -Minimum deposit to open and maintain membership is $10.00. A minimum average daily balance of $50.00 must be maintained in the account to obtain the disclosed APY.	0.150%	0.15%
Primary Savings (more than $25,000) - Minimum deposit to open and maintain membership is $10.00. A minimum average daily balance of $50.00 must be maintained in the account to obtain the disclosed APY.	0.200%	0.20%
Sub-Shares - There is no minimum deposit requirement to open this account. No minimum average daily balance must be maintained in the account to obtain the disclosed APY. Features the same rate as a Primary Savings Account.	0.150%	0.15%
Holiday Club - There is no minimum deposit requirement to open this account. No minimum average daily balance must be maintained in the account to obtain the disclosed APY. Automatic pay-out of funds occur on the first of November. Features the same rate as a Primary Savings Account.	0.150%	0.15%
Scotty Savers - Minimum deposit to open and maintain membership is $5.00. A minimum average daily balance of $5.00 must be maintained in the account to obtain the disclosed APY. Must be under 18 to open.	0.150%	0.15%
IRA Shares - Minimum deposit to open and maintain account is $100.00. A minimum average daily balance of $100.00 must be maintained in the account to obtain the disclosed APY.	0.349%	0.35%
Share Draft/Checking - Minimum deposit to open is $50.00. There is no minimum average daily balance requirement to obtain the disclosed APY.	0.00%	0.00%

*APY=Annual Percentage Yield.

TERM SHARE AND IRA CERTIFICATES 

(Rates effective as of March 1, 2013)

(IRA certificates available for 24 month and 36 month terms only)

INTRODUCING....NEW 6 MONTH CERTIFICATE!

Term	$1,000 - $24,999 APY*	$25,000+ APY*
6 Months	0.20%	0.30%

*APY=Annual Percentage Yield.

For all savings, club, IRA savings, and interest checking accounts, the prospective Dividend Rate and prospective APY are set forth above.  For all such accounts, dividends are paid from current and available savings, after required transfers to reserves at the end of a dividend period.

The Dividend Rate and APY on all accounts may change every month, as determined by the Credit Union's Board of Directors.  Fees for other conditions could reduce earnings on any of the listed accounts.  Please refer to Schedule of Fees and Charges.  All accounts are subject to the terms and conditions set forth in the Credit Union's Account Agreement and Truth-in-Savings disclosure.  Rates and programs are subject to change without notice. Please call the POPA office nearest you for the current rates.

*APY=Annual Percentage Yield.  For all savings, IRA savings, and interest checking accounts, the prospective Dividend Rate and prospective APY are set forth above.  For all such accounts, dividends are paid from the current and available earnings, after required transfers to reserves at the end of a dividend period.  The Dividend Rate and APY on all such accounts may change every month, as determined by the Credit Union's Board of Directors.

**The Dividend Rate and APY for each Term Share (Certificate and IRA Certificate) Account is set forth above.  For purposes of this disclosure, such Dividend Rates and APYs were offered within the most recent seven calendar days and were accurate as of the date set forth above.  Please call 800.369.7672 to obtain current rate information.  If a Term Share (Certificate) Account was opened, the applicable Dividend Rate and APY set forth above would be paid for the length of the term listed for such account.  For such accounts, a substantial penalty may be imposed for early withdrawal.  Fees for other conditions could reduce earnings on any of the listed accounts.  Please refer to Schedule of Fees and Charges.  All accounts are subject to the terms and conditions set forth in the Credit Union's Account Agreement and Truth-in-Savings disclosure.  Rates and programs are subject to change without notice.

PERSONAL LOANS

(Rates effective as of March 1, 2013)

Loan Type	Loan Amount	Term	APR as low as**
Signature	Up to $15,000	Up to 60 Months	7.20%***
Special Debt Consolidation	Up to $30,000	Up to 60 Months	6.20%***
Patrol & Gear (Invoice Required)	Up to $5,000	Up to 60 Months	6.20%***
Payment example: For a $10,000 Signature Loan for a term of 60 months with a 7.20%APR, the monthly payment  will be $199.
VISA (No Annual Fee)	Up to $10,000	Revolving	12.00%
Share Secured	N/A	Up to 60 Months	Share Rate + 3.00%
Payment example: For a $10,000 Share Secured Loan for a term of 60 months with a 3.15%APR, the monthly payment  will be $180.36.

**APR=Annual Percentage Rate. All rates are quoted on approved credit as Annual Percentage Rates (APRs). Some restrictions may apply. Loan approval subject to credit and income evaluation. Consumer loan rates may vary, depending on credit worthiness, term, and the amount financed. Rates and terms are subject to change without notice. 

***These rates include the following Relationship Pricing discounts: -0.50% discount for having a POPA Checking Account with Direct Deposit. -0.25% discount for having signed up for eStatements.

NEW AND USED AUTO, MOTORCYCLE, AND RECREATIONAL VEHICLE LOAN RATES

(Rates effective as of March 1, 2013)

Loan Type	MAX Amount Financed	Term	APR (as low as)**
New Auto	90% or 100%	48 Months	1.99%***
New Auto	90% or 100%	60 Months	1.99%***
New Auto	90% or 100%	72 Months	2.49%***
New Auto	90% or 100%	84 Months	3.74%***
Used Auto	90% or 100%	48 Months	1.99%***
Used Auto	90% or 100%	60 Months	1.99%***
Used Auto	90% or 100%	72 Months	2.49%***
Payment example: For a $25,000 Auto Loan for a term of 60 months with a 1.99%APR, the monthly payment will be $438.12.
ATV & Watercraft	90%	48 Months	6.99%***
ATV & Watercraft	90%	60 Months	6.99%***
ATV & Watercraft	90%	72 Months	7.49%***
Payment example: For a $10,000 ATV & Watercraft Loan for a term of 60 months with a 6.99%APR, the monthly payment will be $198.02.
Motorcycle	90%	48 Months	4.99%***
Motorcycle	90%	60 Months	4.99%***
Motorcycle	90%	72 Months	5.49%***
Payment example: For a $15,000 Motorcycle Loan for a term of 60 months with a 4.99%APR, the monthly payment will be $283.06.
Boat	90%	48 Months	4.99%***
Boat	90%	60 Months	4.99%***
Boat	90%	72 Months	5.49%***
Boat	90%	up to 120 Months	6.74%***
Payment example: For a $30,000 Boat Loan for a term of 120 months with a 4.99%APR, the monthly payment will be $318.14.
RV & Motorhome	90%	48 Months	4.99%***
RV & Motorhome	90%	60 Months	4.99%***
RV & Motorhome	90%	72 Months	5.49%***
RV & Motorhome	90%	up to 120 Months	6.74%***
Payment example: For a $25,000 RV & Motorhome Loan for a term of 120 months with a 4.99%APR, the monthly payment will be $265.12.

**APR=Annual Percentage Rate. All rates are quoted on approved credit as Annual Percentage Rates (APRs). Some restrictions may apply. Loan approval subject to credit and income evaluation. Consumer loan rates may vary, depending on credit worthiness, term, and the amount financed. Rates and terms are subject to change without notice.

***These rates include the following Relationship Pricing discounts: -0.50% discount for having a POPA Checking Account with Direct Deposit. -0.25% discount for having signed up for eStatements.

REAL ESTATE LOANS

Click here for POPA's current mortage loan rates!

The Dividend Rate and APY on all accounts may change every month, as determined by the Credit Union's Board of Directors. Fees for other conditions could reduce earnings on any of the listed accounts. All accounts are subject to the terms and conditions set forth in the Credit Union's Account Agreement and Truth-in-Savings disclosure. Rates and programs are subject to change without notice.

The Dividend Rate and APY for each Term Share (Certificate and IRA Certificate) Account is set forth above. For purposes of this disclosure, such Dividend Rates and APYs were offered within the most recent seven calendar days and were accurate as of the date set forth above. Please call 800.369.7672 or the branch nearest you to obtain current rate information.