Rates
Loans Rate APR* Term
L52 NEW VEHICLE * RATES AS LOW AS 5.2% APR      n/a
L53 USED VEHICLE * RATES AS LOW AS 5.2% APR     n/a
L54 NEW RECREATIONAL VEHICLE 9.500 9.500 60
L55 USED RECREATIONAL VEHICLE 11.000 11.000 60
L12 VISA 13.500 13.500 n/a
L13 SECURED VISA 15.500 15.500 n/a
L51 SIGNATURE *Now Tiered!  As low as 9.15%     n/a
L59 SHARE SECURED   3.100 n/a
L60 CERTIFICATE SECURED (3% ABOVE CERTIFICATE RATE)      n/a
L62 COMPUTER LOAN (SPECIAL) 9.500 9.500 n/a
L64 CHRISTMAS (SPECIAL) Now Tiered!  As low as 8%!***     12
L75 LINE OF CREDIT 14.500 14.500 n/a
L6 NEW MOBILE HOMES 10.000 10.000 n/a
L7 USED MOBILE HOMES 11.000 11.000 n/a
L29 FIRST DEED OF TRUST (CALL FOR RATES)    0.000 n/a
L32 HOME EQUITY (LOC) VARIABLE - PRIME + 1.000         n/a
* = Rates based on credit score and discounts
Rates subject to change.
APR = Annual Percentage Rate

Vehicle Loan Payment Examples:
Payments on a $35,000 loan at 6.00% APR for 72 months are $581.00
Payments on a $15,000 loan at 5.65% APR for 60 months are $288.00
Payments on a $12,000 loan at 8.20% APR for 60 months are $245.00

RV, Boat, and Motorcycle Loan Payment Examples:
New Loans payments on a $40,000 loan at 9.5% APR for 84 months are $655.00
Used loan payments on a $20,000 loan at 11.00% APR for 60 months are $436.00

Untitled Document
Savings Rate APY* Term
S1 REGULAR SHARE
MINIMUM $25, MINIMUM TO EARN DIVIDENDS $100		 0.05 0.05 n/a
S9 SHARE DRAFT 0.00 0.00 n/a
S18 KIDS "KASH" KLUB/YOUTH ACCOUNT
MINIMUM $25 		0.10 0.10 n/a
S10 CHRISTMAS CLUB
MINIMUM $25		 0.05 0.05 n/a
S7 VACATION
MINIMUM $25		 0.05 0.05 n/a
S25 MONEY MARKET $0-$9,999.99
MINIMUM TO OPEN $5,000 		0.05 0.05 n/a
S25 MONEY MARKET $10,000.00-$24,999.99 0.05 0.05 n/a
S25 MONEY MARKET $25,000.00-49,999.99 0.05 0.05 n/a
S25 MONEY MARKET $50,000.00-up 0.05 0.05 n/a
S80 TRADITIONAL COVERDELL ESA MINIMUM $25 0.05 0.05 n/a
S85 COVERDELL ESA MINIMUM $25 0.05 0.05 n/a
S86 ROTH IRA MINIMUM $25 0.05 0.05 n/a
Rates effective as of April 21, 2011, and are subject to change.
Fees or early withdrawal penalties may reduce earnings.
APY = Annual Percentage Yield
Certificates Rate APY* Term
l8 3 MONTH CERTIFICATE - MINIMUM $1000.00

0.05

0.05

 3
l6 6 MONTH CERTIFICATE - MINIMUM $1000.00 0.05 0.05 6
I1 1 YEAR CERTIFICATE - MINIMUM $1000.00 0.05 0.05 12
I2 2 YEAR CERTIFICATE - MINIMUM $1000.00 0.05

0.05

 24
I3 3 YEAR CERTIFICATE - MINIMUM $1000.00 0.05 0.05 36
I13 VISA CERTIFICATE - MINIMUM $200.00 0.05 0.05 n/a
I81 TRADITIONAL IRA - 1 YEAR CERTIFICATE - MINIMUM $1000.00 0.05 0.05 12
I82 TRADITIONAL IRA - 2 YEAR CERTIFICATE - MINIMUM $1000.00 0.05 0.05 24
I83 TRADITIONAL IRA - 3 YEAR CERTIFICATE - MINIMUM $1000.00 0.05 0.05 36
I85 COVERDELL ESA CERTIFICATE - MINIMUM $500.00 0.05 0.05 36
I86 ROTH IRA CERTIFICATE - MINIMUM $1000.00 0.05 0.05 36
I87 ROTH ROLLOVER CERTIFICATE - MINIMUM $1000.00 0.05 0.05 36

Contact a Member Service Representative at your nearest SDPECU office or call (916) 921-5050 for Disclosures of Account Terms, Conditions, and Fees. Dividend penalty for early withdrawal on Term Share Certificates. Savings are insured up to $250,000 per qualifying account by American Share Insurance.   

Rates effective as of April 21, 2011, and are subject to change.
Fees or early withdrawal penalties may reduce earnings.
APY = Annual Percentage Yield

By members' choice, this institution is not Federally insured.