SERVICES
SAVINGS ACCOUNTS-
         
No Service Fees with a balance of
          $2500 or more.

MINOR/STUDENT ACCOUNTS-   
          No service fees.

CHRISTMAS CLUB ACCOUNTS

IRA'S

CERTIFICATE OF DEPOSITS

            6 MONTH
          12 MONTH
          24 MONTH


CHECKING ACCOUNTS-
         
Unlimited Check Writing, No monthly
          service charge with an average balance
          of $1000.

STUDENT CHECKING ACCOUNTS-
         
First Box of Checks Free, no monthly
          fees and unlimited check writing.

DEBIT/ATM CARDS-
         
Available for all checking accounts with
          a daily limit of $305 per day.  ATM
          machines available to PHIFCU
          members at no charge, through out the
          Acadiana area.  Unlimited use with a
          minimal monthly fee.

VISA CARDS-
          9.2%, no annual fees and no higher
          rates on cash advances.

TELEPHONE TRANSFERS

PAYROLL DEDUCTIONS

WIRE TRANSFERS

TRAVELERS CHEQUES

LOAN SERVICES:

         
SIGNATURE LOANS

          OVERDRAFT PROTECTION

          LINE OF CREDIT

          SHARE SECURED LOANS

          COLLATERAL LOANS

          NEW & USED VEHICLE LOANS
              
          BOAT LOANS

          CAMPERS

          MOTORCYCLES

          MOBILE HOME

          SKIP-A-PAYMENT SPECIALS 
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