Rates

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

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

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.

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

 ◊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. 

+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.

*** 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%.

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

+ 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.