Savings Rates
All rates subject to change. Membership eligibility required. ♦ Includes Health Savings Accounts (HSA)
Savings Rates: June 1, 2022
Share Accounts
Share Type | Minimum Dividend Balance | Dividend Rate | Annual Percentage Yield* | Dividend Period |
Share/Open Deposit ♦
|
$25
|
0.03
|
0.03
|
Monthly
|
Christmas
|
$25
|
0.03
|
0.03
|
Monthly
|
Escrow
|
$25
|
0.03
|
0.03
|
Monthly
|
Share Draft
|
$2,500
|
0.03
|
0.03
|
Monthly
|
Health Savings & Commercial Share Draft
|
Non-Interest
|
|
|
|
|
Money Management Accounts | Health Savings Money Management Accounts
Dividend Balance | Dividend Rate | Annual Percentage Yield* | Dividend Period |
$25 - $2,999.99
|
0.03
|
0.03
|
Monthly
|
$3000 - $7,499.99
|
0.05
|
0.05
|
Monthly
|
$7500 - $14,999.99
|
0.07
|
0.07
|
Monthly
|
$15000 - $49,999.99
|
0.07
|
0.07
|
Monthly
|
$50,000 & over
|
0.07
|
0.07
|
Monthly
|
* 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 Type | Minimum Dividend Balance | Dividend Rate | Annual Percentage Yield ** | Dividend Period |
3 Month Certificate ♦
|
$500
|
0.05
|
0.05
|
Monthly
|
6 Month Certificate ♦
|
$500
|
0.05
|
0.05
|
Monthly
|
12 Month Certificate ♦
|
$500
|
0.10
|
0.10
|
Monthly
|
18 Month Certificate ♦
|
$500
|
0.15
|
0.15
|
Monthly
|
30 Month Certificate ♦
|
$500
|
0.20
|
0.20
|
Monthly
|
48 Month Certificate ♦
|
$500
|
0.30
|
0.30
|
Monthly
|
A penalty may be imposed for withdrawal before maturity. ** Annual Percentage Yield is accurate as of June 1, 2022.
|
Individual Retirement Accounts
Share Type | Minimum Dividend Balance | Dividend Rate | Annual Percentage Yield* | Dividend Period |
IRA Open Deposit
|
$25
|
0.03
|
0.03
|
Monthly
|
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.
|
Individual Retirement Account Share Certificates
Share Type | Minimum Dividend Balance | Dividend Rate | Annual Percentage Yield** | Dividend Period |
12 Month Certificate
|
$500
|
0.10
|
0.10
|
Monthly
|
12 Month Certificate
|
$15,000
|
0.10
|
0.10
|
Monthly
|
12 Month Certificate
|
$25,000
|
0.10
|
0.10
|
Monthly
|
18 Month Certificate
|
$500
|
0.15
|
0.15
|
Monthly
|
18 Month Certificate
|
$15,000
|
0.15
|
0.15
|
Monthly
|
18 Month Certificate
|
$25,000
|
0.15
|
0.15
|
Monthly
|
30 Month Certificate
|
$500
|
0.20
|
0.20
|
Monthly
|
30 Month Certificate
|
$15,000
|
0.20
|
0.20
|
Monthly
|
30 Month Certificate
|
$25,000
|
0.20
|
0.20
|
Monthly
|
48 Month Certificate
|
$500
|
0.30
|
0.30
|
Monthly
|
48 Month Certificate
|
$15,000
|
0.30
|
0.30
|
Monthly
|
48 Month Certificate
|
$25,000
|
0.30
|
0.30
|
Monthly
|
A penalty may be imposed for withdrawal before maturity. ** Annual Percentage Yield is accurate as of June 1, 2022.
|
|
Loan Rates
Individual credit score may affect posted rate | Membership Eligibility Required Rates may change without further notice | *APR = Annual Percentage Rate
Consumer Loan Rates
Titled Collateral • Autos, RVs, Motorcycles, Boats, etc.
2019 - Newer
|
|
|
Term
|
APR*+
|
Monthly Payment Example**
|
36 months
|
3.75%
|
$29.42
|
48 months
|
4.00%
|
$22.59
|
60 months
|
4.25%
|
$18.54
|
72 months
|
4.75%
|
$16.00
|
2014 - 2018
|
|
|
Term
|
APR*+
|
Monthly Payment Example**
|
36 months
|
4.75%
|
$29.86
|
48 months
|
5.00%
|
$23.04
|
60 months
|
5.25%
|
$18.99
|
2013 - Older
|
|
|
Term | APR*+ | Monthly Payment Example** |
36 months
|
5.75%
|
$30.32
|
48 months
|
6.00%
|
$23.49
|
Untitled Collateral • ATVs, UTVs, Snowmobiles, Boats, Trailers, etc.
2019 - Newer
|
|
|
Term
|
APR*+
|
Monthly Payment Example**
|
36 months
|
5.25%
|
$30.09
|
48 months
|
5.50%
|
$23.26
|
60 months
|
5.75%
|
$19.23
|
72 months
|
6.25%
|
$16.70
|
2014 - 2018
|
|
|
Term
|
APR*+
|
Monthly Payment Example**
|
36 months
|
6.50%
|
$30.66
|
48 months
|
6.75%
|
$23.84
|
60 months
|
7.00%
|
$19.81
|
2013 - Older
|
|
|
Term | APR*+ | Monthly Payment Example** |
36 months
|
7.75%
|
$31.23
|
48 months
|
8.00%
|
$24.42
|
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
10.50% APR*
Repayment Terms: 2% of outstanding balance or $15, whichever is greater. Variable rate may increase after consummation.
|
Term
|
APR*
|
Monthly Payment Example**
|
Unsecured Loan •
36 Month
|
8.90% APR*
|
$31.75
|
** Monthly payment example is based on principal and interest per $1000 for rate and term. | • Loan exception additional .50%. + APR posted is based on credit score of 740 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
15 Year Fixed Rate Mortgage Special
Adjustable-Rate Mortgage | Owner Occupied & Second Home
First Mortgage |
Second Mortgage |
Term | ◊ Interest Rate | APR* | Monthly Payment Example+ | ◊ Interest Rate | APR* | Monthly Payment Example+ |
61/24 Mo |
4.75% |
4.767% |
$521.65 |
4.75% |
5.050% |
$77.78 |
◊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 740 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. Rate and payment at first adjustment (based on the index and margins effective as of 08/01/2022): 5.25% APR, amortized for 299 months, with an estimated loan balance of $91,334,77 the monthly payment will be $548.39. 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 08/01/2022): 5.25% APR, amortized for 119 months, with an estimated loan balance of $7,369.90 the monthly payment will be $79.59. A processing fee is included in these examples. 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
Term | Interest Rate | APR* | Monthly Payment Example+ |
7 Year (84 Mo)
|
4.50%
|
4.619%
|
$695.11
|
10 Year (120 Mo)
|
4.75%
|
4.836%
|
$524.34
|
+Monthly payment example based on a loan amount of $50,000.00. A processing fee is included in these examples. 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 *** •
Term | APR* | Monthly Payment Example** |
61 Month Balloon
|
7.40%
|
$10.50
|
*** Loan amortization for new dwelling 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%.
|
Home Equity Line of Credit (REAP®)
Variable Rate
|
5.50% APR*
|
Fixed Rate
|
6.00% APR*
|
Variable rate may increase after consummation. Variable Maximum Rate is 16.40%.
|
Real Estate Balloon Non-Owner Occupied & Vacant Land
First Mortgage | Second Mortgage (First Mortgage at PFCU) | Second Mortgage |
Term
|
Interest Rate
|
APR*
|
Monthly Payment Example+
|
Interest Rate
|
APR*
|
Monthly Payment+
|
Interest Rate
|
APR*
|
Monthly Payment Example+ |
24 MO
|
4.99%
|
5.014%
|
$659.63
|
4.99%
|
5.292%
|
$79.05
|
5.99%
|
6.301%
|
$84.36
|
36 MO
|
5.49%
|
5.514%
|
$687.58
|
5.49%
|
5.796%
|
$81.68
|
6.49%
|
6.805%
|
$87.09
|
60 MO
|
5.99%
|
6.015%
|
$716.14
|
5.99%
|
6.301%
|
$84.36
|
6.99%
|
7.310%
|
$89.86
|
+ 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. A processing fee is included in these examples. 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
|
|
Membership Eligibility Required. 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. Loan rates effective: 08/01/2022.
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