Current Rates
Loan Rates
Effective: April 15, 2018
Auto Loans
| Loan Type | Fixed Annual Percentage Rate |
|---|---|
| Auto Specials* 2011 or Newer (36 months) |
2.90% |
| 2011 or Newer (60 months) | 3.25% |
| New RV/Boat Specials* Model year 2013 or newer |
4.75% |
| Match-a-Rate* Bonus Back up to $300 |
1.99% Minimum |
| New Autos (61+ Months) Model Years 2015 or Newer (Includes Tax and License) |
5.25% |
| Used Autos (61+ Months) And Recreational Loans Model Years 2011 to 2014 |
6.25% |
| Older Used Autos Model years 2010 or older |
10.50% |
*Applicable to new PCFCU loans and not available for refinancing PCFCU loans
Recreational vehicles include: Motorhomes, Motorcycles, Boats, ATVs, Trailers, Snowmobiles, and Jet Skis.
Example: If you borrow $1000 for 60 months at 3.25% APR, your monthly payment would be $18.08.
Visa® Credit Card
| Loan Type | Annual Percentage Rate |
|---|---|
| Visa® Platinum Rewards | |
|
Introductory Rate* |
1.90% |
*Introductory APR for one year from date of account opening
For full disclosure regarding introductory rate, click here
Personal Loans
| Loan Type | Fixed Annual Percentage Rate |
|---|---|
| Certificate Secured Loans above rate rounded to nearest .5% |
4.00% |
| Share Secured Loans | 3.75% |
| All Other Advances Bill Consolidation, Current Living Expenses, Personal Line of Credit, Etc. |
11.00% |
Home Equity Loans
| Loan Type | Annual Percentage Rate | Loan To Value |
|---|---|---|
|
Home Equity Line of Credit |
4.75%* Variable Margin: 0.00% |
90% |
*The Annual Percentage Rate is based on the value of the index. The index is the Prime Rate, as published in The Wall Street Journal (Western Edition). To determine the Annual Percentage Rate that will apply to your line, we add a margin to the value of the index. The maximum APR is 18% over the life of the loan. Rate subject to change quarterly.
Documentation Preparation Fee: $300 Estimated 3rd party HELOC fees: $850
No Points or Origination Fees
Home Equity Credit Line Account Disclosures
Mortgage Loans
| Loan Type | Fixed Annual Percentage Rate | Loan To Value |
|---|---|---|
| 1st Deed of Trust Primary Residence |
||
| 30 year 20 year 15 year 10 year |
4.50% 4.00% 3.75% 3.50% |
80% 80% 80% 80% |
| 2nd Mortgage Primary Residence |
||
| 15 year 15 year 10 year 5 year |
5.25% 5.50% 4.75% 4.25% |
80% 90% 80% 80% |
| 1st Mortgage Vacation Property 15 year |
5.00% | 80% |
The estimated aggregate of Credit Union and 3rd party fees on real estate loans is $1200.00 to $1,500.00. This includes a $300.00 document preparation fee.
Example: On a 15-year loan secured by a 1st deed of trust at a rate of 3.75%, there would be monthly payments of $7.28 per $1,000.00 borrowed
Example: On a 15-year loan secured by a 2nd deed of trust at a rate of 5.25%, there would be monthly payments of $8.05 per $1,000.00 borrowed
Savings & Checking Rates
Effective: April 10, 2018
This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your Certificate Accounts at People's Community Federal Credit Union at this time. The credit union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.
APY = Annual Percentage Yield
Savings Rates
| Account | Dividend Rate | APY* | Minimum Opening Balance | Minimum Monthly Balance To Avoid Fee | Dividends Compounded and Credited |
|---|---|---|---|---|---|
| Carefree Savings | .05% | .05% | $5 | $50 | Quarterly |
| Holiday Club Account |
.05% | .05% | --- | --- | Monthly |
| IRA Savings | .05% | .05% | $5 | --- | Quarterly |
*APY = Annual Percentage Yield
Checking Rates
| Account | Dividend Rate | APY* | Minimum Opening Balance | Minimum Monthly Balance To Avoid Fee | Dividends Compounded and Credited |
|---|---|---|---|---|---|
| Carefree Checking |
--- | --- | $100 | --- | --- |
| Money Management Account |
.20% | .20% | $1,000 | $1,000 | Monthly |
*APY = Annual Percentage Yield
Certificate Rates
| Term | Dividend Rate | APY* | Minimum Opening Balance | Dividends Compounded and Credited |
|---|---|---|---|---|
| 3 Months | 0.35% | 0.35% | $500.00 | Monthly |
| 6 Months | 0.45% | 0.45% | $500.00 | Monthly |
| 12 Months | 0.70% | 0.70% | $500.00 | Monthly |
| 18 Months | 0.65% | 0.65% | $500.00 | Monthly |
| 24 Months | 1.00% | 1.00% | $500.00 | Monthly |
| 30 Months ** | 1.50% | 1.51% | $500.00 | Monthly |
| 36 Months | 1.25% | 1.26% | $500.00 | Monthly |
| 60 Months | 1.55% | 1.56% | $500.00 | Monthly |
* The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity.
** 30-month Certificate Special will renew into a 24-month certificate at maturity.
Loyalty Rates
| Account | Dividend Rate | APY* | Minimum Opening Balance |
|---|---|---|---|
| Loyalty Savings | |||
| $0.00 - $750.00 | 4.91% | 5.00% | $100.00 |
| $750.01 and over | 0.05% | 0.05% to 5.00% | --- |
| Loyalty Checking | |||
| $0.00 - $35,000.00 | 1.74% | 1.75% | $100.00 |
| $35,000.01 and over | 0.05% | 0.30% to 1.75% | --- |
*APY = Annual Percentage Yield
