Peoples Credit Union Prime Lending Rate: 3.500 Effective as of: February 3, 2012 * Rates subject to change without notice.

Mortgages:

Fixed Rate Principal Residence First Mortgages:

Closed		SPECIAL RATES
6 Mon	4.450
1 Year	3.500
2 Year	3.550
3 Year	3.950	3.000
4 Year	4.640	3.000
5 Year	5.140	4.000
Open
1 Year	4.500
2 Year	4.550
3 Year	4.950

Fixed Rate Second Mortgage:

1 Year

4.500

Variable Rate Mortgages

Closed
5 Year
Open
First	3.500
Second	4.500

MeritLine / Primeline

3.500

® (Home Equity Line of Credit)

Bridge Financing:

5.000

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Loan Rates

Consumer Variable Rate Loan:	3.500
Personal Line of Credit:	3.500
Commercial Loans: Contact Commercial Services for more information at 705-436-2044

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Savings Account Rates

Tax Free Savings	1.250
Premium Savings ($5,000 minimum investment required)	1.100
Daily Interest Savings	0.250
Youth Savings	0.350
US$ Savings	0.100

Commercial Savings Account Rates

Premium Savings ($5,000 minimum investment required)	0.850
Business Savings	0.250
US$ Savings	0.100

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Personal Chequing Account Rates

Personal 1 Chequing/Savings:
First Range	0 - 4,999	0.050
Second Range	5,000 - 9,999	0.250
Third Range	10,000 - 14,999	0.250
Fourth Range	15,000 - 29,999	0.250
Fifth Range	30,000 and over	0.250

Next Steps Chequing/Savings
First Range	0 - 4,999	0.050
Second Range	5,000 - 9,999	0.250
Third Range	10,000 - 14,999	0.250
Fourth Range	15,000 - 29,999	0.250
Fifth Range	30,000 and over	0.250

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Investment Rates
Term Deposits Can$:

Short Term	Rate
30 - 59 Days	0.650
60 - 89	0.800
90 - 179	0.950
180 -269	0.950
270 - 364	1.000
Quick Access Min Start $100	0.200

Long Term Fixed (Min $1000)	Annual Rates	Escalator Plus (min $1000)	Annual Rates
1 Year	1.000	1 Year	1.000
2 Year	1.300	2 Year	1.250
3 Year	1.400	3 Year	2.000
4 Year	1.600	4 Year	2.750
5 year	1.850	5 year	4.500
		Average Yield	2.2923

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Term Deposits US$:

Term - Min $1000	Annual Rates
30 - 59 Days	0.050
60 - 89	0.050
90 - 179	0.100
180 -269	0.300
270 - 364	0.300
1 Year	0.350

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Tax Free Savings Term Deposits:

Term - Min $1000	Annual Rates	Step-Up (min $1000)	Annual Rates
1 Year	1.000	1 Year	1.000
2 Year	1.300	2 Year	1.250
3 Year	1.400	3 Year	2.000
4 Year	1.600	4 Year	2.750
5 year	1.850	5 year	4.500
		Average Yield	2.2923

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RRSP:		Accel-a-rate (min $1000)	Annual Rates
1 Year	1.000	1 Year	1.000
2 Year	1.300	2 Year	1.250
3 Year	1.400	3 Year	2.000
4 Year	1.600	4 Year	2.750
5 year	1.850	5 year	4.500
		Average Yield	2.2923

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RRIF: (min $2500 )
1 Year	1.000
2 Year	1.300
3 Year	1.400
4 Year	1.600
5 year	1.850