All rates for the week of 1/4/2009 - 1/10/2009.   Consumer Loan Rates Mortgage Rates Savings Rates       This logo indicates the requirement for Adobe Acrobat Reader. Click here to download. Consumer Loan Rates.   Minimum Share Balance upon approval : $50 Prime Rate: 3.25% Minimum Loan Amount: $500 Minimum Line of Credit Advance: $100 Personal Loans Consolidation Loan: 12.00% APR for 36 months (approximately $33.21 per $1000) 12.50% APR for 60 months (approximately $22.50 per $1000) Holiday/Vacation Loan: 7.00% APR up to 12 months 7.50% APR up to 24months Stock Secured: 8.25% APR Share Secured: 3.50% APR Unsecured: 10.50% APR 36 months 11.00% APR 60 months 11.50% APR 61 months and over Line of Credit: 5.25% APR (2.00% above the Prime Rate) Student Loan Program OMEGA: 8.00% APR fixed (up to 60 months) PLUS: 8.50% APR Fixed Stafford: 6.80% APR Fixed Auto Loans Mobile Home - Used: 11.00% APR Mobile Home - New: 10.25% APR Recreational Vehicle - Used: 13.00% APR Recreational Vehicle - New: 12.25% APR Used Car (Term dependent on year of Vehicle): 7.25% APR up to 60 months (approximately $20 per $1000) New Car: 5.49% APR up to 60 months (approximately $19.10 per $1000) Loan Rates are subject to change without notice. Mortgage Rates.  Home Equity Loans  APR* / Loan to Value (LTV) 5 Year Fixed Rate: 5.49% to 80% LTV (Approximately $19.10 per $1000) 10 Year Fixed Rate: 6.24% to 80% LTV 15 Year Fixed Rate: 6.49% to 80% LTV 20 Year Fixed Rate: 7.24% to 80% LTV Line of Credit (HELOC) Variable Rate **: 4.25% (Prime Rate + 1%) to 80% LTV * APR = Annual Percentage Rate ** HELOC rates are subject to change semi-annually - the first day of January and July - and are indexed to the Prime Rate (as published in the Wall Street Journal). Maximum APR is 21% Mortgage Loan Programs Vacant Lot/Land Loans: 10.50% APR - fixed rate up to 12 years. Rates as of 1/6/09. Rates vary with loan amount: 5.13% 30 Year Fixed 0 Points 4.88% 30 Year Fixed 1 Point 5.13% 20 Year Fixed 0 Points 4.88% 20 Year Fixed 1 Point 4.88% 10 or 15 Year Fixed 0 Point 4.50% 10 or 15 Year Fixed 1 Point Please call 412-369-3807 or 3809 for current rates and programs as these change daily. Savings Rates. **Savings/Membership Account  .50% APY* MasterPiece Money Market - based on balance  1.256% - 2.523% APY* Share Certificates 9 Month Special: 3.01% APY 48 months: 2.90% (2.92% APY) 36 months: 2.65% (2.67% APY) 24 months: 2.45% (2.47% APY) 18 months: 2.15% APY 12 months : 2.00% APY 6 months: 1.90% APY 91 day: 1.40% APY Minimum balance to open - $1,000 A penalty may be imposed for early withdrawal. Individual Retirement Account Roth IRA Savings: 0.50% (.50% APY) 60 months (Roth IRA): 3.15% (3.17% APY) 36 months: 2.65% (2.67% APY) 24 months: 2.45% (2.47% APY) 18 months: 2.15% APY 12 months: 2.00% APY 6 months: 1.90% APY *APY=Annual Percentage Yield **Dividend rate paid previous quarter.  Rates are not guaranteed and are subject to change without notice.