Rates

 

Savings Rates

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

Savings Rates: February 1, 2023

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

Share/Open Deposit ♦

$25

0.05

0.05

Monthly

Christmas

$25

0.05

0.05

Monthly

Escrow

$25

0.05

0.05

Monthly

Share Draft

$2,500

0.05

0.05

Monthly

Health Savings & Commercial Share Draft

Non-Interest

 

 

 

 

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

$25 - $2,999.99

0.10

0.10

Monthly

$3000 - $7,499.99

0.15

0.15

Monthly

$7500 - $14,999.99

0.25

0.25

Monthly

$15,000 - $49,999.99

0.35

0.35

Monthly

$50,000 & over

0.45

0.45

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 TypeMinimum Dividend BalanceDividend RateAnnual Percentage Yield **Dividend Period

3 Month Certificate ♦

$500

0.05

0.05

Monthly

6 Month Certificate ♦

$500

0.10

0.10

Monthly

12 Month Certificate ♦

$500

0.25

0.25

Monthly

18 Month Certificate ♦

$500

0.30

0.30

Monthly

30 Month Certificate ♦

$500

0.35

0.35

Monthly

48 Month Certificate ♦

$500

0.50

0.50

Monthly

A penalty may be imposed for withdrawal before maturity. ** Annual Percentage Yield is accurate as of February 1, 2023. 

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

IRA Open Deposit

$25

0.05

0.05

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 TypeMinimum Dividend BalanceDividend RateAnnual Percentage Yield**Dividend Period

12 Month Certificate

$500 

0.25

0.25

Monthly

12 Month Certificate

$15,000

0.25

0.25

Monthly

12 Month Certificate

$25,000

0.25

0.25

Monthly

18 Month Certificate

$500

0.30

0.30

Monthly

18 Month Certificate

$15,000

0.30

0.30

Monthly

18 Month Certificate

$25,000

0.30

0.30

Monthly

30 Month Certificate

$500

0.35

0.35

Monthly

30 Month Certificate

$15,000

0.35

0.35

Monthly

30 Month Certificate

$25,000

0.35

0.35

Monthly

48 Month Certificate

$500

0.50

0.50

Monthly

48 Month Certificate

$15,000

0.50

0.50

Monthly

48 Month Certificate

$25,000

0.50

0.50

Monthly

A penalty may be imposed for withdrawal before maturity. ** Annual Percentage Yield is accurate as of February 1, 2023.

 

 

Loan Rates

Individual credit score may affect posted rate | Not all applicants will qualify for the lowest rate | Membership Eligibility Required

Rates may change without further notice | *APR = Annual Percentage Rate

Consumer Loan Rates

Secured Loan Special 

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

2021 - Newer

   

Term

APR*+

Monthly Payment Example**

36 months

4.50%

$29.75

48 months

4.75%

$22.92

60 months

5.00%

$18.88

72 months

5.50%

$16.34

2016 - 2020

   

Term

APR*+

Monthly Payment Example**

36 months

5.50%

$30.20

48 months

5.75% 

$23.37

60 months

6.00% 

$19.34

2015 - Older

   
TermAPR*+Monthly Payment Example**

36 months

6.50%

$30.65

48 months

6.75%

$23.84

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

2021 - Newer

   

Term

APR*+

Monthly Payment Example**

36 months

6.00%

$30.43

48 months

6.25%

$23.61

60 months

6.50%

$19.57

72 months

7.00%

$17.05

2016 - 2020

   

Term

APR*+

Monthly Payment Example**

36 months

7.25%

$31.00

48 months

7.50%

$24.18

60 months

7.75%

$20.16

2015 - Older

   
TermAPR*+Monthly Payment Example**

36 months

8.50%

$31.57

48 months

8.75%

$24.77

 

Visa® Credit Card

Contact Us! 

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

13.50% 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

9.50% APR*

$32.04

** 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.

.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 RateAPR*Monthly Payment Example+◊ Interest RateAPR*Monthly Payment Example+
61/24 Mo 5.75% 5.797% $583.68 5.75% 6.515% $83.05

 ◊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 1/01/2024):  7.75% APR, amortized for 299 months, with an estimated loan balance of $92,617.41 the monthly payment will be $700.55.  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 1/01/2024):  7.75% APR, amortized for 119 months, with an estimated loan balance of $7,517.38 the monthly payment will be $90.73.  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
TermInterest RateAPR*Monthly Payment Example+

7 Year (84 Mo)

5.25%

5.551%

$712.51

10 Year (120 Mo)

5.50%

5.718%

$542.60

+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 *** •
 TermAPR*Monthly Payment Example**

61 Month Balloon

7.75%

$19.89

*** 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 of 61 months. • Loan Exception - Additional .50%.

Construction Loan

Contact Us

Home Equity Line of Credit (REAP®)

Variable Rate

8.50% APR*

Fixed Rate

7.25% 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
Example+

Interest
Rate

APR*

Monthly 
Payment+

Interest
Rate

APR*

 Monthly Payment Example+

24 MO

6.00%

6.272%

$716.49

6.00%

8.848%

$84.39

7.00%

9.867%

$89.89

36 MO

6.25%

6.439%

$730.99

6.25%

8.255%

$85.75

7.25%

9.275%

$91.29

60 MO

6.50%

6.624%

$745.63

6.50%

7.846%

$87.12

7.50%

8.866%

$92.71

+ 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: 01/01/2024.

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