Rates and Fees

Effective Date as of

*APY (ANNUAL PERCENTAGE YIELD). The Credit Union is federally insured by the National Credit Union Administration. Must be at least 13 years to open a checking account. Visit the iPlus Teen Checking account.

¹A $500.00 average daily balance is required to earn monthly dividends. Dividends will be compounded and credited monthly. For dividend bearing accounts, the Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.

²This is a second-chance checking account. The monthly fee is $8.95 and requires direct deposit and eStatements. If there are no NSFs or Overdraft for 12 consecutive months since account opening, please contact the Credit Union to switch the account to the Free Plus Interest Checking Account.

Learn more by visiting our Truth-in Savings Disclosure.

Effective Date as of

*APY (ANNUAL PERCENTAGE YIELD). For the Holiday Club account, the entire balance will be paid to you by check or transferred to another account of yours on or after November 1 and the Club account will remain open. If you make a withdrawal before November 1, the Club account will be closed, and you will not be eligible for another Club account for one year. You may make transfers or withdrawals in the first seven (7) days after the Club account is opened without restriction.

Dividends will be compounded and credited monthly. For dividend bearing accounts, the Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.

Learn more by visiting our Truth-in Savings Disclosure.

Effective Date as of

Parents: To open an account for your child, please have their social security card and a copy of their birth certificate handy.

*APY (ANNUAL PERCENTAGE YIELD). The Credit Union is federally insured by the National Credit Union Administration. Credit Union membership is required before utilizing any product and/or service by establishing a savings account with $5.00. Dividends will be compounded and credited monthly. For dividend bearing accounts, the Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.

¹Cub accounts are only available for members 10 years old or younger. When the account owner reaches 11 years old, the Cub account will be automatically converted to an iPlus account.

²Cubby Certificate Features. Cubby Certificates are only available for members 10 years old or younger who also have a Cub Account. Estatements are required for Cubby Certificates. Only one Cubby Certificate is available for each member. Deposits will be permitted until the $500.00 maximum balance; after that, no new funds may be deposited to a Cubby Certificate. The maximum balance for Cubby Certificate is $500; no deposits in excess of that amount will be permitted. The rate applies only to deposits of new funds; it does not apply to transfers of funds from another account within the credit union. Funds deposited from within the credit union will earn the same dividend rate and APY as Cub Account. Cubby Certificate balances of up to $500 will earn the dividend rate for the 12-month Certificate term. After the 12-month term the Certificate will be transferred into the Cub Account and will earn the same dividend rate and APY that applies to Cub Accounts. Dividends earned on the Cubby Certificate will be deposited into the Cub Account.

Learn more by visiting our Truth-in Savings Disclosure.

Effective Date as of

*APY (ANNUAL PERCENTAGE YIELD). Limitations on monthly withdrawals apply. Other transaction limits may apply. See our Membership and Account Agreement for details. Your savings are federally insured to at least $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), a U.S. government fund managed by the National Credit Union Administration (NCUA).

Dividends will be compounded and credited monthly. For dividend bearing accounts, the Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.

Learn more by visiting our Truth-in Savings Disclosure.

Effective Date as of

*APY (ANNUAL PERCENTAGE YIELD). After your account is opened, you may not make additional deposits to a Certificate account. Your Certificate account will mature on the maturity date set forth on your Account Receipt or Renewal Notice. We may impose a penalty if you withdraw any of the principal of your Certificate before the maturity date. (1) Amount of Penalty. The amount of the early withdrawal penalty is 90 days dividends calculated on the balance at the time of withdrawal. (2) How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividends that has been or would be earned at the nominal dividend rate on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividends have already been paid, the penalty will be deducted from the principal. (3) Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction. Certificate accounts are automatically renewable accounts. Automatically renewable accounts will renew for another term upon maturity. You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.

Dividends will be compounded and credited monthly. For dividend bearing accounts, the Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.

Learn more by visiting our Truth-in Savings Disclosure.

**Anniversary Certificate of Deposit (CD) Special: APY (ANNUAL PERCENTAGE YIELD). Rates are effective as of February 2, 2023. These promotional certificates have a 10-month and 16-month terms with $10,000 minimum deposit. “New Money” means funds that have not been on deposit with PFCU before the day of account opening. The 10- and 16-month term certificates each have maximum deposit amount of $250,000. Promotional 10-month certificate will mature into a 6-month certificate at then-current rate and 16-month certificate will mature into a 12-month certificate, at then-current rate. Penalties may apply for early withdrawal. Fees could reduce earnings on these accounts. Special Anniversary CD offer ends March 31, 2023.

Effective Date as of

*APR (ANNUAL PERCENTAGE RATE). Rates include a 1% loan fee. Based on $200,000 loan with 20% down. Rates based on purchase of primary residence.  All mortgages are subject to credit approval. Rates are determined by an evaluation of applicant’s credit and may vary. Other restrictions may apply. Contact the Credit Union for details.

ADDITIONAL FEES & COSTS: Title Report and Recording. Appraisal may be required at an additional cost. 

Effective Date as of

*APR (ANNUAL PERCENTAGE RATE) is based on the value of an index, which is the Prime Rate published in Wall Street Journal. The APR can change on the first day of each quarter following the index change. Any increase in the Index may increase the APR and may increase the amount of monthly payment. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Margin will depend upon the borrower’s and co-borrower’s (if applicable) credit qualification. The Interest Rate will not exceed 18.00%, regardless of the Index. Margin will be disclosed at account opening. This Margin is added to the Index to determine the calculated interest rate. Floor rate is in effect anytime the calculated interest rate is below the assigned Floor rate.

Rates, terms, and conditions are subject to change without notice. Financing is subject to PFCU membership and underwriting criteria, not every application will qualify. Rates displayed are “as low as.” Actual rate may increase based upon borrower’s creditworthiness All rates are determined by the Board of Directors and may change without notice.

Learn more by visiting our Loan Rate Schedule.

Effective Date as of

*APR (ANNUAL PERCENTAGE RATE). Fixed APR is based on $100,000 loan amount includes $25 Application fee, $5 Credit Report Fee, $150 Origination Fee, $30 Automated Value Assessment, $11 Flood Cert. and est. Recording Costs of $250. Rates, terms, and conditions are subject to change without notice. Financing is subject to PFCU membership and underwriting criteria, not every application will qualify. Rates displayed are “as low as.” Actual rate may increase based upon borrower’s creditworthiness All rates are determined by the Board of Directors and may change without notice.

Learn more by visiting our Loan Rate Schedule.

Effective Date as of

*APR (ANNUAL PERCENTAGE RATE). The Credit Union offers various fixed rate loans listed in the Loan Rate Schedule, provided to you upon request. Rates, terms, and conditions are subject to change without notice. Financing is subject to PFCU membership and underwriting criteria, not every application will qualify. Rates displayed are “as low as.” Actual rate may increase based upon borrower’s creditworthiness All rates are determined by the Board of Directors and may change without notice. Rates reflect Relationship Pricing which includes a rate discount of .25% for automatic payment and enrolled in free eStatements.

**Interest begins accruing upon disbursal of loan. Deferred payment available upon credit approval.

Learn more by visiting our Loan Rate Schedule.

Effective Date as of

*APR (ANNUAL PERCENTAGE RATE). The Credit Union offers various fixed rate loans listed in the Loan Rate Schedule, provided to you upon request. Rates, terms, and conditions are subject to change without notice. Financing is subject to PFCU membership and underwriting criteria, not every application will qualify. Rates displayed are “as low as.” Actual rate may increase based upon borrower’s creditworthiness All rates are determined by the Board of Directors and may change without notice. Rates reflect Relationship Pricing which includes a rate discount of .25% for automatic payment and enrolled in free eStatements.

Learn more by visiting our Loan Rate Schedule.

Effective Date as of

*APR (ANNUAL PERCENTAGE RATE). The Credit Union offers various fixed rate loans listed in the Loan Rate Schedule, provided to you upon request. Rates, terms, and conditions are subject to change without notice. Financing is subject to PFCU membership and underwriting criteria, not every application will qualify. Rates displayed are “as low as.” Actual rate may increase based upon borrower’s creditworthiness All rates are determined by the Board of Directors and may change without notice.

**The 4.99% APR is a fixed rate and does not apply to future purchases or cash advances. This 4.99% APR rate may not be used to pay existing PFCU loans or credit card debt. All 4.99% APR balance transfers will be classified as “purchases” under our Visa Card Agreement. All loans subject to credit approval. Transfer cannot exceed your PFCU Credit Card available credit limit. Balance transfers from existing PFCU Credit Card accounts are ineligible for this offer. Rates are subject to change without notice and vary based on type of card and creditworthiness.

Learn more by visiting our Loan Rate Schedule.

Effective Date as of

*APR (ANNUAL PERCENTAGE RATE). The Credit Union offers various fixed rate loans listed in the Loan Rate Schedule, provided to you upon request. Rates, terms, and conditions are subject to change without notice. Financing is subject to PFCU membership and underwriting criteria, not every application will qualify. Rates displayed are “as low as.” Actual rate may increase based upon borrower’s creditworthiness All rates are determined by the Board of Directors and may change without notice. Rates reflect Relationship Pricing which includes a rate discount of .25% for automatic payment and enrolled in free eStatements; excludes Share Secured Loan.

Learn more by visiting our Loan Rate Schedule.

Effective Date as of

*The ANNUAL PERCENTAGE RATE (APR) is variable and may be adjusted quarterly based on the assigned index. Any increase in the Index may increase the APR and may increase the amount of monthly payment. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Index, Margin, Floor, and/or credit approval will depend upon the student borrower’s and co-borrower’s (if applicable) credit qualification. Applications may apply with a
creditworthy U.S. co-borrow which may result in a better chance of approval and/or lower interest rate. The Interest Rate will not exceed 18.00%, regardless of the Index. Margin will be disclosed at account opening. This Margin is added to the Index to determine the calculated interest rate. Floor rate is in effect anytime the calculated interest rate is below the assigned Floor rate. The Floor rate will be disclosed at account opening

Rates, terms, and conditions are subject to change without notice. Financing is subject to PFCU membership and underwriting criteria, not every application will qualify. Rates displayed are “as low as.” Actual rate may increase based upon borrower’s creditworthiness All rates are determined by the Board of Directors and may change without notice.

Learn more by visiting our Loan Rate Schedule.