Rates

 

Savings Rates

All rates subject to change. Membership eligibility required.
♦ Includes Health Savings Accounts (HSA)

Savings Rates: 04/02/2018 Rev: 05/20/2019

Share Accounts
Share TypeMinimum Dividend BalanceDividend RateAnnual Percentage Yield*Div. Period

Share/Open Deposit ♦

$25

.05

.05

MO

Christmas

$25

.05

.05

MO

Escrow

$25

.05

.05

MO

Share Draft

$2500

.05

.05

MO

Health Savings & Commercial Share Draft

Non-Interest

 

 

 

 

Money Management Accounts | Health Savings Money Management Accounts
Dividend BalanceDividend RateAnnual Percentage Yield*Div. Period

$25 - $2999.99

.05

.05

MO

$3000 - $7499.99

.10

.10

MO

$7500 - $14999.99

.15

.15

MO

$15000 - $49999.99

.20

.20

MO

$50000 & over

.25

.25

MO

* Annual Percentage Yield is accurate as of the last dividend declaration date.
Fees may reduce earnings.
Rate may change after account is opened.

Share Certificates
Share TypeMinimum Dividend BalanceDividend RateAnnual Percentage Yield **Div. Period

3 Month Certificate ♦

$500

.20

.20

MO

6 Month Certificate ♦

$500

.30

.30

MO

12 Month Certificate ♦

$500

.45

.45

MO

18 Month Certificate ♦

$500

.70

.70

MO

30 Month Certificate ♦

$500

.80

.80

MO

48 Month Certificate ♦

$500

1.00

1.00

MO

A penalty may be imposed for withdrawal before maturity.
** Annual Percentage Yield is accurate as of May 20, 2019.

Individual Retirement Accounts
Share TypeMinimum Dividend BalanceDividend RateAnnual Percentage Yield**Div. Period

IRA Open Deposit

$25

.10

.10

MO

All rates subject to change. Membership eligibility required.
** Annual Percentage Yield is accurate as of the last dividend declaration date.
Fees may reduce earnings. Rate may change after account is opened.

Share Certificates
Share TypeMinimum Dividend BalanceDividend RateAnnual Percentage Yield**Div. Period

12 Month Certificate

$500 

.45

.45

MO

12 Month Certificate

$15000

.45

.45

MO

12 Month Certificate

$25000

.45

.45

MO

18 Month Certificate

$500

.70

.70

MO

18 Month Certificate

$15000

.70

.70

MO

18 Month Certificate

$25000

.70

.70

MO

30 Month Certificate

$500

.80

.80

MO

30 Month Certificate

$15000

.80

.80

MO

30 Month Certificate

$25000

.80

.80

MO

48 Month Certificate

$500

1.00

1.00

MO

48 Month Certificate

$15000

1.00

1.00

MO

48 Month Certificate

$25000

1.00

1.00

MO

A penalty may be imposed for withdrawal before maturity.
** Annual Percentage Yield is accurate as of May 20, 2019.

 

 

Loan Rates

Individual credit score may affect posted rate | Membership Eligibility Required
Rates may change without further notice | *APR = Annual Percentage Rate
Loan rates effective: 03/27/2020

Consumer Loan Rates

Titled Collateral •
Autos, RVs, Motorcycles, Boats, etc.

2016 - Newer

   

Term

APR*+

Monthly Payment**

36 months

3.24%

$29.19

48 months

3.49%

$22.35

60 months

3.74%

$18.30

72 months

4.24%

$15.75

2011 - 2015

   

Term

APR*+

Monthly Payment**

36 months

4.24%

$29.63 

48 months

4.49% 

$22.80 

60 months

4.74% 

$18.75 

2010 - Older

   
TermAPR*+Monthly Payment**

36 months

5.24%

$30.08

48 months

5.49%

$23.25

Untitled Collateral •
ATVs, UTVs, Snowmobiles, Boats, Trailers, etc.

2016 - Newer

   

Term

APR*+

Monthly Payment**

36 months

5.24%

$30.08

48 months

5.49%

$23.25

60 months

5.74%

$19.21

72 months

6.24%

$16.69

2011 - 2015

   

Term

APR*+

Monthly Payment**

36 months

6.49%

$30.64

48 months

6.74%

$23.83

60 months

6.99%

$19.80

2010 - Older

   
TermAPR*+Monthly Payment**

36 months

7.74%

$31.22

48 months

7.99%

$24.41

 

Visa or Mastercard Credit Card

13.90% APR*

Repayment Terms: 2% of outstanding balance or $20, whichever is greater. Variable rate may increase after consummation.

Share/Share Certificate Secured Loan

3.00% Over Dividend Rate

Dividend rate as of the last declaration date of the pledged account at time of loan closing.

Kwik Cash

8.25% APR*

Repayment Terms: 2% of outstanding balance or $15, whichever is greater. Variable rate may increase after consummation.

Term

APR*

Monthly Payment**

Unsecured Loan •

36 Month

8.90% APR*

$31.75

** Monthly payment is based on principal and interest per $1000 for rate and term | • Loan exception additional .50%
+ APR posted is based on credit score of 700 or above and 100% loan to value

Ask about the Flip Flop Your Loan Promotion!

.25% RATE DISCOUNT FOR AUTOMATIC PAYMENTS
Not valid on REAP, ARM, Construction, 7 & 10 Year Fixed Rate or Line of Credit Loans

Mortgage Rates

Adjustable-Rate Mortgage | Owner Occupied & Second Home
First Mortgage Second Mortgage
Term◊ Interest RateAPR*Monthly Payment+APR*Monthly Payment+
61/24 Mo 2.99% 3.006% $420.64 3.095% $69.02

 ◊The initial rate is not based on the established index and is based on the borrower's credit worthiness. The interest rate, APR, and margin listed are based on a credit score of 700 or greater.  The first interest rate adjustment will occur in 61 months and every 24 months thereafter. +First Mortgage: Monthly payment based on a loan amount of $100,000.00 and 30-year amortization. This example includes origination fees. Rate and payment at first adjustment (based on the index and margins effective as of 03/27/2020):  3.00% APR, amortized for 299 months, with an estimated loan balance of $88,577.78 the monthly payment will be $421.07.  Second Mortgage: Monthly payment based on a loan amount of $10,000.00 and 15-year amortization. Rate and payment at first adjustment (based on the index and margins effective as of 03/27/2020):  3.00% APR, amortized for 119 months, with an estimated loan balance of $7,098.00 the monthly payment will be $69.05.  These payment examples do not include any mortgage insurance premiums, real estate taxes, homeowner’s insurance or additional fees or add-ons. If applicable the actual payment obligation will be greater. The APR is variable and subject to change after the 61 months and may cause the payment to increase.  Index = Prime Rate published in the Wall Street Journal.  See credit union for full details. 

Fixed Rate Mortgage
TermInterest RateAPR*Monthly Payment+

7 Year (84 Mo)

3.49%

3.565%

$671.80

10 Year (120 Mo)

3.49%

3.544%

$494.24

+Monthly payment based on a loan amount of $50,000.00. This includes origination fees.  These payment calculation examples do not include any mortgage insurance premiums, real estate taxes, homeowner’s insurance or additional fees or add-ons. If applicable, the actual payment obligation will be greater. New money required to refinance existing PFCU loans at this rate. Offer not valid on business loans. 7 or 10 year terms are fully amortized.

Mobile Home Balloon *** •
 APR*Monthly Payment**

61 Month Balloon

7.40%

$10.50

*** Loan amortization for new is 180 months, for 1-3 years old is 144 months, for 4-7 years old is 120 months, for 8-10 years old is 84 months, over 10 years is fixed for 60 months.
** Monthly Payment is based on principal and interest per $1000 for rate and term. • Loan Exception - Additional .5%.

Construction Loan

Contact Us

Home Equity Line of Credit (REAP)

Variable Rate

3.25% APR*

Fixed Rate

3.75% APR*

Variable rate may increase after consummation.
Variable Maximum Rate is 16.40%.

Real Estate Balloon
Non-Owner Occupied & Vacant Land
First MortgageSecond Mortgage
(First Mortgage at PFCU)
Second Mortgage

Term

Interest Rate

APR*

Monthly Payment+

APR*

Monthly 
Payment+

APR*

 Monthly Payment+

24 MO

4.70%

4.773%

$643.64

4.70%

$77.54

5.25%

$80.41

36 MO

4.99%

5.041%

$659.56

4.99%

$79.05

5.40%

$81.20

60 MO

5.15%

5.183%

$668.43

5.15%

$79.88

5.50%

$81.73

+ First Mortgage: Monthly payment based on a loan amount of $100,000.00 with a 20 year amortization and final balloon payment due on the maturity date. This includes origination fees. +Second Mortgage: Monthly payment based on a loan amount of $10,000.00 with a 15 year amortization and final balloon payment due on the maturity date. These payment examples  do not include any mortgage insurance premiums, real estate taxes, homeowner's insurance or additional fees or add-ons. If applicable the actual payment obligation will be greater.

Long Term Fixed Mortgages | Saleable Loans

10 Year

Purchase or Refinance

15 Year

Purchase or Refinance

20 Year

Purchase or Refinance

30 Year

Purchase or Refinance

 

Individual credit score, debt ratio and loan to value may affect posted rate | *APR = Annual Percentage Rate | Rates may change without further notice  Credit Union NMLSR ID# 705211. Phone: (920) 898-4232 for current rates.

 

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