1.99% APR*	For the first 12 months
3.50% APR* (Prime* -1.50% for life)	After the first 12 months
*Annual Percentage Rate (APR) of 1.99% is fixed for the first 12 months, followed by a variable rate based on The Wall Street Journal Prime Rate minus 1.50%. Prime as of 4/1/10 was 3.25%. Maximum variable rate is 15%; minimum rate is 3.50%. Rates at time of application are subject to change without notice. Maximum loan amount is $500,000.00; maximum loan term is 180 months. A Home Equity Line of Credit (HELOC) is secured by a first or second mortgage, which must be residential 1-4 unit dwellings, condos or Planned Urban Developments (PUD). Offer applies only to properties located in NY, NJ, CT, PA & MA. Combined Loan-to-value ratio is 70%. Principal and interest payments required. Required minimum initial draw at closing is 50% of the approved credit limit. Rate will remain at Prime minus 1.50% for the life of the loan unless during the first 36 months of the loan, if the member ceases automatic deduction from a PFCU checking account or the outstanding balance falls below 25% of the line of credit, then the rate will change to Prime minus 0.10% and a fee of 3% of the credit line will be imposed. Loans subject to credit approval. HELOCs do not qualify for Advantage Pricing. Homeowner's insurance is required at member's expense. Certain properties require flood insurance at member's expense. For terms and conditions of Advantage Pricing, see www.palisadesfcu.org under "Terms of Use". Other conditions and restrictions may apply; offer is subject to change. Applies to new loans only. For APR of 1.99% and 3.50%,180 monthly payments of $6.44 and $7.15 respectively, per $1,000 borrowed.

    For more info on our Platinum MasterCard and

our Rewards2U Program CLICK HERE

Fixed Rate Card	As low as    7.8% APR*
Varibale Rate Card with Rewards	As low as   Prime** + 5.55% APR*
*Subject to credit approval. Rates are subject to Lender's credit criteria and certain conditions and restrictions may apply. Rate is as of 9/1/09 and is subject to change at any time without notice. Your rate and corresponding Annual Percentage Rate (APR) may be higher than the published rate. See disclosures at www.palisadesfcu.org under ‘terms & conditions’. Only variable interest rate cards are offered with rewards. Fixed rate cards are not eligible for rewards. **The U.S. Prime Rate used to determine the  APRs for each billing cycle is the highest rate published in The Wall Street Journal “Money Rates” table on the 15th day of the three preceding calendar months, to which we add a margin. The margin range for the variable APR for Purchases and Balance Transfers is between 5.55% and 13.55%. On 9/1/09, the Prime rate applicable using this formula was 3.25%.

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	For more information or to apply Call ANY HOUR LOAN 24/7 at 1-877-230-PFCU (7328)
	If a Member, Click here to enter the secure online loan application.
	If not a Member, Click here to enter the secure online loan application.