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Rates and Fees

Download and view our latest consumer loan and deposit account rates.

Rates and Fees

Download and view our latest rates

Below you can download our latest consumer loan rates, deposit rates, and fees.

Consumer Loan Rates

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Deposit Rates and Fees

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Effective Date as of 02/01/2023

Checking

AccountDividend rateAPY*
Free Plus Interest Checking10.10%0.10%
Refresh Checking20.00%0.00%
Open an account

Effective Date as of 02/01/2023

Savings

AccountDividend rateAPY*
Minimum Balance Savings0.05%0.05%
Prime Time Savings0.10%0.10%
Holiday Club Account*0.05%0.05%
Open an account

Effective Date as of 02/01/2023

Kids & Teen Savings Accounts

AccountDividend rateAPY*
Cubby Savings10.05%0.05%
Cubby CD25.00%5.00%
iPlus Youth Savings0.05%0.05%
iProsper Teen Savings Savings0.05%0.05%
Open a Youth account

Effective Date as of 02/01/2023

Money Market Accounts

BALANCERAtesAPY*
$1,000 – $9,999.59%.60%
$10,000 – $49,999.89%.90%
$50,000 – $99,9991.14%1.15%
$100,000 and above1.34%1.35%
Open an account

Effective Date as of 02/01/2023

Certificates of Deposit (CD)

AccountDividend rateAPY*Additional Info
6-month CD1.09%1.10%$1,000 minimum to open
12-month CD1.58%1.60%$1,000 minimum to open
18-month CD1.73%1.75%$1,000 minimum to open
24-month CD1.93%1.95%$1,000 minimum to open
10-Month Anniversary CD Special3.21%3.26%Min Balance $10,000 with $2,500
new money from outside PFCU,
rate will increase .60%
16-Month Anniversary CD Special3.50%3.56%Min Balance $10,000 with $5,000
new money from outside PFCU,
rate can increase .60%
Open an account

Effective Date as of 02/01/2023

Mortgage Loans

TERMRAtesAPR*
30-Year Fixed5.875%6.088%
30-Year Fixed (Investment Property)6.625%6.813%
20-Year Fixed5.750%5.937%
15-Year Fixed5.000%5.232%
Apply Now

Effective Date as of 02/01/2023

Home Equity Line of Credit (HELOC)

ProductTermAPR*
Owner Occupied22 Years7.50%
Non-Owner Occupied22 Years8.00%
Apply Now

Effective Date as of 02/01/2023

Home Equity Loans

ProductTermAPR*
Owner Occupied60 months7.36%
Owner Occupied120 months7.74%
Owner Occupied180 months7.96%
Non-Owner Occupied180 months8.46%
Apply Now

Effective Date as of 02/01/2023

Auto Loans

ProductTermAPR*Additional Info
New Auto (2016-2023)60 months5.89%90 DAYS NO PAYMENT** and
Up to 125% financing available
New Auto (2016-2023)72 months6.14%Vehicle must have less
than 150,000 miles
New Auto (2016-2023)84 months6.64%84 mo. Term available to 680
Credit or higher only
Used Auto (2008-2015)48 months6.39%90 DAYS NO PAYMENT** and
Up to 125% financing available
Used Auto (2008-2015)60 months6.64%Vehicles over
150,000 miles apply
Used Auto (2008-2015)72 months7.14%Add 2% to vehicles
2007 and older 
Apply Now

Effective Date as of 02/01/2023

Boat, Motorcycle, RV, and other Rec Vehicles

ProductTermAPR*Additional Info
New RV, Boat, Motorcycle (2016-2023)60 months8.29%
New RV, Boat, Motorcycle (2016-2023)144 months9.09%
Used RV, Boat, Motorcycle (2008-2015)60 months7.89%*Add .50% for older than 2008
Used RV, Boat, Motorcycle (2008-2015)144 months8.69%*Add .50% for older than 2008
New Off-Road / Titled Vehicles60 months5.99%
Used Off-Road / Titled Vehicles60 months6.39%
Apply Now

Effective Date as of 02/01/2023

Revolving Lines of Credit

ProductAmountAPR*Additional Info
Personal Line of CreditBorrow Up to $15,00013.99%
Visa Platinum Credit CardFee: $09.99%4.99% on balance transfers
for Visa Platinum
Visa Classic Credit CardFee: $012.99%& Classic cards with
no transfer fee
Visa New Beginnings Credit CardFee: $12/annual18.00%Rate discount on Classic Card
for Credit Scores 680 and better 
Apply for a Personal Line of Credit Apply for a Credit Card

Effective Date as of 02/01/2023

Personal Loans

ProductTermAPR*Additional Info
Personal Loan60 Months11.74%Loan amounts
up to $20,000
Caregiver Loan (Available
only to UDW Members)
12 Months14.99%Discount Available
(Conditions Apply)
Care Worker Loan (Available
only to UDW Members) 
12 Months14.99%Discount Available
(Conditions Apply)
Bike Loan48 Months7.29%Loan amounts from
$1,000 to $7,500
Share Secured60 Months3.99%
Payday Relief Loan6 Months25.00%Loan amounts from
$200 to $1,000; $20 app fee
Apply for a Caregiver Loan Apply for a Care Worker Loan Apply for a Personal Loan

Effective Date as of 02/01/2023

Student Loans

ProductTermsAPR*
Education Refi (Fixed Rate)Up to 180 monthsStarting at 5.36%
Education Refi (Variable Rate)*Up to 180 monthsStarting at 4.86%
In-School (Fixed Rate)Up to 144 monthsStarting at 4.74%
In-School (Variable Rate)*Up to 144 monthsStarting at 4.91%
Apply for Education Refi Loan Apply for In-School Loan

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