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Share Certificates
Effective 03-20-08 |
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Months |
Annual Percentage Rate |
Yield |
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6 |
2.55% |
2.57% |
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12
24 |
3.00%
3.00% |
3.03%
3.03% |
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$100,000 Jumbo Share Certificate Available at 6 months
Rate 3.75% Yield 3.81% |
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$500 minimum for minor accounts. Rates stay the same.
$1000 minimun for share certificates |
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Loan Rates
Effective 01-23-08 |
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100% |
Share Covered Loans (Fixed rate) |
3.00% Above Current Dividend Rate |
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50% |
Share Covered Loans |
2.00% Below Current Signature Loan Rate |
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Share Certificates 3% above certificate rate. |
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| New Car Loan Rates APR |
| Finance 100% MSRP |
4.79% - 11.79% |
Up to 36 Months |
| (Never been titled) |
5.09% - 12.09% |
Up to 48 Months |
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5.39% - 12.39%
5.79% - 8.79%
5.99% - 6.99% |
Up to 60 Months
Up to 72 Months ($20,000 - $39,999)
Up to 80 Months ($40,000 +) |
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Pre-Approval will allow an additional 1/4% off current rate unless otherwise specified.
Rebates can be used toward tax/title/processing fees.
Demonstrator vehicles with 5000 miles or less, will be financed as a new vehicle
Boat, boat trailers, jet skis, mobile homes, and campers will be financed at 1.00% above the current car loan rates, new or used. |
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| Motorcycles APR |
| New |
90% of Sales Price |
13.50% - 16.50% |
Up to 48 Months |
| Used |
90% of Retail Value |
15.00% - 18.00% |
Up to 42 Months |
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| Used Car Loans APR |
| 2005 - 2008 |
up to 60 Months |
6.00% - 13.00% |
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| 2001 - 2004 |
up to 48 Months |
7.00% - 14.00% |
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Vehicles valued at $10,000.00+ may be subject to special financing if member qualifies. (Vehicles can't be older than 4 years)
There will be 1/2% Increase in the current rate.
**See new policies to extend the terms of financing ** |
| Signature Loans APR |
| 1 - 12 Months |
8.65% - 15.65% |
No new loans will be issued at a variable rate unless its an open end loan. |
| 13 - 24 Months |
9.65% - 16.65% |
| 25 - 36 Months |
10.65% - 17.65% |
| 37 - 48 Months |
11.65% - 18.65% |
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| Open end loan Rate 9.50% (rate good thru 09-30-08) |
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Regular Loanliner Variable Rate Loans are at Wall Street Journal Prime + 3%
Rate adjusts quarterly & changes on the first day of April, July, October, & January
Payments @ $16.00 per $500.00 owed/never less than $20.00 per month
Maximum Loan is $7,500.00 or 20% of your Annual Gross Income
Maximum Loan for any member is $500,000.00 (Mortgage included)
Home Equity Loans - Call the credit union for the current rate
See Robin or Terry for quote
Variable Rate Loan
Have questions? Email Robin, our loan officer.
ONLINE LOAN APPLICATION
See what your vehicle is worth |
Click Here for our online Loan Calculator
Fee Schedule & Service Charges |
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Membership Fees |
$5.00 |
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Rejoining Fees (90 Day Waiting Period) |
$10.00 |
| Multi Check Withdrawal |
$2.50 each |
| Stop Payment Credit Union Check |
$32.00 |
| Return Deposited Item |
$30.00 |
| Return Mail Fee Per Month |
$5.00 |
| Copy Statement Per Page |
$2.50 |
| Outgoing Wire Transfer |
$10.00 |
| Below Minimum Balance Per Month |
$10.00 |
| Loan Application Processing Fee |
$10.00 |
| Account Verification (Mortgages) |
$15.00 |
| Garnishment Fee (Incoming) |
$35.00 |
| Non-Sufficient Funds Fee (ATM, VISA Debit, Drafts & Checks) |
$30.00 |
| Certified Draft/Check |
$5.00 |
| Share Draft Stop Payment |
$30.00 |
| ACH Return Fee (NSF) |
$30.00 |
| ACH Stop Payment Fee |
$30.00 |
| Copy of Draft/Check (Personal Checking) |
$10.00 |
| Money Orders |
$1.00 each |
| Non-member PCCU Checks Cashed |
$5.00 each |
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IRA Transfer Fee
Close IRA
IRA Set-up
Fax Fee (per page) |
$35.00
$18.00
$5.00
$1.00 |
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| Reconcile Accounts (Per Hour) |
$20.00 |
| Inactive Account Fee (Per Quarter) |
$15.00 |
| ATM/VISA Debit Card Fee (Lost or Stolen) |
$10.00 |
| ATM/VISA Debit Transfer Fee Per Transaction |
$1.00 |
| ATM/VISA Debit Balance Inquiry |
$1.00 |
ATM Transaction Fee
Excludes Credit Union 24/CU Here |
$2.00 |
| ATM/VISA Debit Hot Card Fee (Accounts closed without returning cards) |
$20.00 |
| Close Christmas Club Early |
$5.00 |
| Christmas Club Withdrawal (Each Occurrence) |
$5.00 |
| Draft Printing |
Varies |
| Overdrawn Account Fee (Per Week) |
$10.00 |
Credit Union Service Center ATM's
Withdrawals are Free
(Balance Inquiries & Transfer Fees Will Apply) |
| Share Draft Manual Transfer Fee |
$30.00 |
Share Draft Annual Fee
Annual Fee deducted from checking 1-31st each year. Accounts opened after 1-31st will be charged up front @ time opened based on months left in the year. ($2 per month) This is non-refundable |
$10.00 |
| Void Credit Union check |
$5.00 |
| Visa Chargeback |
$15.00 |
| ATM/VISA Debit pin Replaced/card renew |
$5.00 |
| ATM/VISA sales draft copy each item |
$3.50 | |
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