|
*Please note: To print specific rates or rates tables, simply use your mouse to highlight the area(s) you wish to print. Then choose "Print Selection" in your print dialog box.
|
VEHICLE LOANS
|
|
Model Years
|
Term
|
APR as low as
|
| 2008, 2007 & 2006** |
Up to 48 months
|
4.99%
|
|
Up to 60 months
|
5.29%
|
|
Up to 72 months
|
5.99%
|
| 2005 & 2004** |
Up to 36 months |
5.59%
|
| Up to 48 months |
5.69%
|
| Up to 60 months |
5.79%
|
| 2003 or older** |
Up to 24 months |
6.09%
|
| Up to 36 months |
6.19%
|
| Up to 48 months |
6.29%
|
|
**Actual rate based on applicant's payment and credit history.
Example of Payment Terms: Auto loan with 5.59% APR over a 60-month term would make a payment of $19.15 per $1,000 borrowed.
|
|
MOTORCYCLE LOANS
|
|
Type
|
Term
|
APR as low as
|
| Up to $5,000** |
Up to 36 months |
5.74%
|
| $5,000 and up** |
Up to 48 months |
5.74%
|
| $15,000 and up** |
Up to 60 months |
5.99%
|
| $15,000 and up** |
Up to 84 months |
6.74%
|
|
**Actual rate based on applicant's payment and credit history.
|
|
RECREATIONAL VEHICLE / BOAT LOANS
|
|
Type
|
Term
|
APR as low as
|
| Up to $5,000** |
Up to 36 months |
5.74%
|
| $5,000 and up** |
Up to 48 months |
5.74%
|
| $5,000 and up** |
Up to 60 months |
5.99%
|
| $15,000 and up** |
Up to 84 months |
6.74%
|
| $15,000 and up** |
Up to 10 years |
7.24%
|
| $15,000 and up** |
Up to 15 years |
7.99%
|
|
**Actual rate based on applicant's payment and credit history.
|
|
VISA CREDIT CARDS
|
|
Type
|
Term
|
APR
|
| VISA Gold |
Unsecured |
10.90%
|
| VISA Classic |
Unsecured |
16.00%
|
| VISA Classic |
Share Secured |
9.00%
|
|
|
|
|
HOME LOANS
|
| Type |
Term |
APR
|
| Home Improvement |
Up to 10 years |
8.00% - 10.00%
|
| Home Equity Line of Credit* |
Up to 20 years |
Adjustable 4.75% - 7.75%
|
| Home Equity Installment** |
Up to 15 years |
6.00% - 9.50%o
|
| First Mortgage |
Variety of Terms |
Check Rates
|
|
*Rate includes 0.25% discount for balances over $25,000.
**Actual rate based on applicant's payment and credit history.
o Rate on home equity installment loan includes 0.50% discount when member pays own closing costs, which can range from $175 to $1,000. Example of payment terms: For a home equity loan of $10,000 at 6.95% APR for 60 months, your monthly payment would be $197.70.
*The variable rate home equity line of credit interest rate is based on national prime rate. Your traditional home equity line of credit rate will never increase more than 2% per year or more than 5% for the life of the loan.
|
|
|
OTHER LOANS
|
| Type |
Term |
APR as low as
|
| Student |
Up to 10 years |
Adjustable (Call)
|
| Signature** $2,500 and up |
Up to 36 months |
10.60%
|
| Signature** up to $2,499.99 |
Up to 30 months |
12.60%
|
| Share Secured |
Up to 5 years |
Share rate + 2.00%
|
| Certificate Secured |
Up to 5 years |
Certificate rate + 2.00%
|
| Computer** |
Up to 36 months |
10.60%
|
| Stock-Bond Secured |
Up to 5 years |
7.90%
|
|
**Actual rate based on applicant's payment and credit history.
|
|
CERTIFICATES OF DEPOSIT - REGULAR / IRA
|
| Minimum Opening Balance |
Term |
Interest Rate
|
APY
|
| $500.00 - $2,499.99 |
91 Day |
2.05% |
2.07%
|
| 6 Month |
2.30% |
2.32%
|
| 12 Month |
2.50%
|
2.53%
|
| 18 Month |
2.75%
|
2.79%
|
| 24 Month |
2.80%
|
2.84%
|
| 30 Month |
3.00% |
3.04% |
| 36 Month |
3.10% |
3.14% |
| 48 Month |
3.25%
|
3.30%
|
| 60 Month |
3.35%
|
3.40%
|
| |
|
|
|
| $2,500.00 - $4,999.99 |
91 Day |
2.15% |
2.17%
|
| 6 Month |
2.40% |
2.43%
|
| 12 Month |
2.60%
|
2.63%
|
| 18 Month |
2.85%
|
2.89%
|
| 24 Month |
2.90%
|
2.94%
|
| 30 Month |
3.10% |
3.14% |
| 36 Month |
3.20% |
3.25% |
| 48 Month |
3.35%
|
3.40%
|
| 60 Month |
3.45%
|
3.51%
|
| |
|
|
|
| $5,000.00 - $24,999.99 |
91 Day |
2.25% |
2.27%
|
| 6 Month |
2.50% |
2.53%
|
| 12 Month |
2.70%
|
2.73%
|
| 18 Month |
2.95%
|
2.99%
|
| 24 Month |
3.00%
|
3.04%
|
| 30 Month |
3.20% |
3.25% |
| 36 Month |
3.30% |
3.35% |
| 48 Month |
3.45%
|
3.51%
|
| 60 Month |
3.55%
|
3.61%
|
| |
|
|
|
| $25,000.00 - $69,999.99 |
91 Day |
2.35% |
2.38%
|
| 6 Month |
2.60% |
2.63%
|
| 12 Month |
2.80%
|
2.84%
|
| 18 Month |
3.05%
|
3.09%
|
| 24 Month |
3.10%
|
3.14%
|
| 30 Month |
3.30% |
3.35% |
| 36 Month |
3.40% |
3.45% |
| 48 Month |
3.55%
|
3.61%
|
| 60 Month |
3.65%
|
3.71%
|
| |
|
|
|
| $70,000.00 + |
91 Day |
2.45% |
2.48%
|
| 6 Month |
2.70% |
2.73%
|
| 12 Month |
2.90%
|
2.94%
|
| 18 Month |
3.15%
|
3.20%
|
| 24 Month |
3.20%
|
3.25%
|
| 30 Month |
3.40% |
3.45% |
| 36 Month |
3.50% |
3.56% |
| 48 Month |
3.65%
|
3.71%
|
| 60 Month |
3.75%
|
3.82%
|
|
|
|
BUMP-UP CERTIFICATES OF DEPOSIT
|
| Minimum Opening Balance |
Term |
Interest Rate
|
APY
|
|
$2,500.00
(Rate may be bumped up
once during the term of the
certificate)
|
36 Month |
3.10% |
3.14%
|
| 60 Month |
3.35%
|
3.40%
|
|
|
|
SAVERS CERTIFICATES OF DEPOSIT
|
| Minimum |
Term |
Interest Rate
|
APY
|
| $100.00 |
6 Month |
2.10% |
2.12%
|
| 12 Month |
2.30%
|
2.32%
|
| 18 Month |
2.55%
|
2.58%
|
| 24 Month |
2.60%
|
2.63%
|
| 30 Month |
2.80% |
2.84% |
| 36 Month |
2.90% |
2.94% |
| 48 Month |
3.05%
|
3.09%
|
| 60 Month |
3.15%
|
3.20%
|
|
|
|
BUSINESS CHECKING ACCOUNTS
|
| Type |
Balance |
This Month's Interest Rate
|
This Month's APY
|
| Simply Business Checking |
$500 |
0.50% |
0.50%^
|
| Optimum Business Checking |
Up to $9,999.99 |
1.00% |
1.01%^
|
| $10,000.00 - $19,999.99 |
1.75%
|
1.76%^
|
| $20,000.00 - $49,999.99 |
2.25%
|
2.27%^
|
| $50,000.00 - $99,999.99 |
2.50%
|
2.53%^
|
| $100,000.00 + |
2.75% |
2.79%^ |
|
| ^ |
$500 minimum balance required on Simply Business Checking and $2,500 on Optimum Business Checking to avoid monthly service fee. Interest rates determined monthly by the Board of Directors. |
|
|
|
|
CHECKING & DEPOSIT ACCOUNTS
|
| Type |
Balance |
This Month's Interest Rate
|
This Month's APY
|
| Choice Checking |
$500 |
0.10% |
0.10%**
|
| Reward Checking |
$2,500 |
0.25% |
0.25%** |
| Prestige Checking |
Up to $9,999.99 |
1.00% |
1.01%** |
| $10,000.00 - $19,999.99 |
1.75% |
1.76%** |
| $20,000.00 - $49,999.99 |
2.25% |
2.27%** |
| $50,000.00 - $99,999.99 |
2.50% |
2.53%** |
| $100,000.00 + |
2.75% |
2.79%** |
| Share Savings |
$2,000 or less |
0.50% |
0.50%* |
| $2,000.01 + |
0.50% |
0.50%* |
| Reserve Savings |
|
0.50% |
0.50% |
| Christmas Club and Vacation Club |
|
0.50% |
0.50% |
Premium Money Market
(With Reward, Prestige or Optimum Checking relationship. Deduct 0.50% without.) |
Up to $2,499.99 |
1.00% |
1.01%o |
| $2,500 - $9,999.99 |
1.70% |
1.71%o |
| $10,000 - $19,999.99 |
2.00% |
2.02%o |
| $20,000 - $49,999.99 |
2.50% |
2.53%o |
| $50,000 - $99,999.99 |
2.75% |
2.79%o |
| $100,000+ |
2.90% |
2.94%o |
Premium IRA Money Markets &
Health Savings Accounts
(Contact PCU for more information about our Health Savings Accounts.) |
Up to $2,499.99 |
0.50%
|
0.50%o
|
| $2,500 - $9,999.99 |
1.20%
|
1.21%o
|
| $10,000 - 19,999.99 |
1.50%
|
1.51%o
|
| $20,000 - $49,999.99 |
2.00%
|
2.02%o
|
| $50,000 - $99,999.99 |
2.25%
|
2.27%o
|
|
$100,000+
|
2.40%
|
2.43%o^
|
| Also see: IRA Certificates |
|
| * |
Share account rates are shown as Dividend Rates and Annual Percentage Yields. This is the anticipated dividend for the month as determined by the Board of Directors. All other accounts are shown as Interest Rates and Annual Percentage Yields. |
| ** |
$500 minimum balance required on Choice Checking, $2,500 on Reward Checking and $10,000 on Prestige Checking to avoid monthly service fee. Fee on Reward waived if 55 years or older. Interest rates determined monthly by the Board of Directors. |
| o |
Interest rates adjusted and paid monthly. Rates subject to change.
|
| ^ |
$100,000 rate and tier applies to the Premium Money Market only. |
|
NOTE:
- Fees could reduce earnings on accounts
- Early withdrawal penalty on CDs. We may impose a penalty if you withdraw any of the principal before the maturity date.
- 100% interest penalty for early withdrawal of funds from 91 Day CD
|
|
|
