Greater Piedmont Credit Union   -  LOAN  RATES             (subject to change)             4-01-2010

                                                              

Signature Advances:                                            Rate:                                                       Approx. Term
$  250 -   500                11.95%APR / 13.95%APR / 14.95%APR / 16.95%APR              12 month       
    501 - 1,000               11.95%APR / 13.95%APR / 14.95%APR / 16.95%APR              24 month
 1,001 - 2,000               11.95%APR / 13.95%APR / 14.95%APR / 16.95%APR             30 month
 2,001 - 3,500               11.95%APR / 13.95%APR / 14.95%APR / 16.95%APR             36 month
 3,501 – 5,000              11.95%APR / 13.95%APR / 14.95%APR / 16.95%APR             48 month
 5,001 – 7,500              11.95%APR / 13.95%APR / 14.95%APR / 16.95%APR             60 month

*Actual rate charged on loan will be based on guidelines in regards to Services Used Debt Ratio & Credit History  

Bill Consolidation Loan:     Maximum Loan $10,000.00          Rate: 15.95%APR

Vacation Loan:                     Maximum Loan $1,200.00            Rate: 12.00% APR          12 Months
& Back to School Loan                                                   

  MasterCard Charge Card                    12.96 APR     or     13.92% APR 

Checking Overdraft Line of Credit                     17.95% APR

New Auto Advances:                                          6.25%APR                                                36 months
        $50,000.00                                                      6.50%APR                                                48 months
or 100% of Purchase Price                                   6.95%APR                                                60 months
  (excluding tax & tags)                                           7.25%APR                                                72 months
                                                                                  7.75%APR                                                84 months

        $50,000.00                                                     5.95%APR                                               36 months
or 80% of Purchase Price                                     6.25%APR                                               48 months
                                                                                  6.95%APR                                               60 months
                                                                                  7.25%APR                                               72 months

Used Auto Advances:     $40,000.00  or  100% of Price  not to exceed NADA retail    
          1 - 2                                                               6.95%APR                                               36 months
Model Years Old                                                    7.25%APR                                               48 months
                                                                                 7.50%APR                                               60 months
                                                                                 7.95%APR                                               72 months

         3 – 4                                                               8.75%APR                                               36 months
Model Years Old                                                    9.25%APR                                               48 months
                                                                                 9.75%APR                                               60 months

         5 - 6                         $30,000.00  or 100% of Price  not to exceed NADA retail
Model Years Old                                                  10.50%APR                                               36 months
                                                                               10.95%APR                                               48 months
                                                                               11.50%APR                                               60 months

Over 6 Model Years Old    $25,000.00  or 100% of Price  not to exceed NADA retail                   
                                                                               11.95%APR                                              36 months
                                                                               12.25%APR                                              48 months
                                                                               12.95%APR                                              60 months
           
     The APR Members qualify for will be based on how they fit into the loan approval guidelines. 
            By also having Checking or MasterCard with GPCU will allow for the lowest APRs               

Other Secured Advances:        ( R V s, Motorcycles, Boats, etc.)
                                  Model Year        New                   1 - 3                      4 & up              
   $   500  -    1,500                        11.95%APR      12.95%APR         14.95% APR        24 months
     1,501  -    5,000                        11.95%APR      12.95%APR         14.95% APR        36 months
     5,001  -  10,000                        11.95%APR      12.95%APR         14.95% APR        48 months
   10,001  -  12,500                        11.95%APR      12.95%APR         14.95% APR        60 months
   12,501  -  17,500                        11.95%APR      12.95%APR         14.95% APR        78 months
   17,501  -  25,000                        11.95%APR      12.95%APR         14.95% APR      120 months
   17,500  -  35,000                        11.95%APR      12.95%APR         14.95% APR      180 months