All rates for the week of 3/7/2010 - 3/13/2010.   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 per $1000) 12.50% APR for 60 months (approximately $22 per $1000) Holiday/Vacation Loan: 7.00% APR up to 12 months 7.50% APR up to 24months Share Secured: 3.40% APR Unsecured: 10.50% APR 36 months 11.00% APR 60 months 11.50% APR 61 months and over Line of Credit: 6.75% APR (3.5% above the Prime Rate) Student Loan Program OMEGA: 8.00% APR fixed (up to 60 months) 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): 6.99% APR up to 60 months (approximately $20 per $1000) New Car: 3.99% APR 36 months (approximately $30 per $1000) 4.74% APR 48 months (approximately $23 per $1000) 5.24% APR 60 months(approximately $19 per $1000) 5.49% APR 72 months(approximately $16 per $1000) Loan Rates are subject to change without notice. Mortgage Rates.  Home Equity Loans  APR* / Loan to Value (LTV) 5 Year Fixed Rate: 5.25% to 80% LTV (Approximately $18.99 per $1000) 10 Year Fixed Rate: 5.99% to 80% LTV 15 Year Fixed Rate: 6.59% 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 2/9/10. Rates vary with loan amount: 5.13% 30 Year Fixed Rate 4.88% 20 Year Fixed Rate 4.38% 15 Year Fixed Rate 4.38% 10 Year Fixed Rate Please call 412-369-3807 or 3809 for current rates and programs as these change daily. Savings Rates. **Savings/Membership Account  .40% APY* Share Certificates 48 months: 2.30% (2.31% APY) 36 months: 2.10% (2.12% APY) 24 months: 1.50% (1.51% APY) 18 months: 1.30% APY 12 months : 1.30% APY 6 months: 1.00% APY 91 day: 0.90% APY Minimum balance to open - $1,000 A penalty may be imposed for early withdrawal. Individual Retirement Account Roth IRA Savings: 0.40% (.40% APY) 60 months (Roth IRA): 2.50% (2.52% APY) 36 months: 2.10% (2.12% APY) 24 months: 1.75% (1.76% APY) 18 months: 1.30% APY 12 months: 1.30% APY 6 months: 1.00% APY MasterPiece Money Market Over $50,000: 1.25% (1.257% APY) $25,000 to $49,999.99: 1.05% (1.055% APY) $10,000 to $24,999.99: 0.95% (.954% APY) $2,500 to $9,999.99: 0.45% (.451% APY) *APY=Annual Percentage Yield **Dividend rate paid previous quarter.  Rates are not guaranteed and are subject to change without notice.