Office (757) 388-3834  Fax (757) 388-2698
Rates & Fees

Share Certificates
Effective .3-1-11

Months
Annual Percentage Rate
Yield
6
.40%
.40%
12
 24
.60%
.75%
.60%
 .75%
 
 
$500 minimum only for minor accounts.
$1000 minimum for share certificates.
     

Loan Rates
Effective 6-21-11

100%
Share Covered Loans (Fixed rate)
3.00% Above Current Dividend Rate
  50%
Share Covered Loans
 
2.00% Below Current Signature Loan    Rate
Share Certificates 4% above certificate rate.
New Car Loan Rates                      APR
Finance 100% MSRP 2.79% -11.79%  Up to 36 Months
(Never been titled)  3.09% - 12.09% Up to 48 Months
  3.39% - 12.39%
3.79% - 8.79%
3.99% - 6.99%
Up to 60 Months
Up to 72 Months
Up to 80 Months ($30,000 +)
 

 

 

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

Campers, Motor Homes & Boats, have special financing, call for more information.

 

Motorcycles                                                            APR
New Financed same as autos   add 2% to rate
Used Financed same as autos   add 2% to rate
       
Used Car Loans                                                     APR
2012 - 2011 up to 77 Months 4.00% - 13.00%   
2010 - 2008 up to 66 Months 5.00% - 14.00%   
2007-2005 up to 53 Months 6.00% - 15.00%  

Special financing for cars 2004-2001.  Call for information 388-3834.

Now is the time to save yourself some money!

Do you have a vehicle financed somewhere other than at Prime Care?

We will refinance it and drop your rate by 1.50%

(Not to drop below 3.00%)

 

**New policies to extend the terms of financing **


Signature Loans                            APR
  1 - 12 Months    5.00%  - 13.65%
No new loans will be issued at a variable rate unless its an open end loan.
13 - 24 Months    6.00%  - 14.65%
25 - 36 Months     7.00%  - 15.65%
37 - 48 Months     8.00%  - 16.65%
     

Open End Loan Rate 6.25%  (Rate good thru 3-15-12)

 Visa Credit Card Rate 9.99% - 16.99% (Beacon score determines rate) 

Platinum Visa Credit Card 7.49% Solid Rate (Includes balance transfers)

Visa rates may change to a default rate in the event of delinquency, see  VISA disclosure.

 

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 Signtaure Loan amount is $7,500 not to exceed 20% of your Gross Annual Income (i.e, gross annual income is $50,000. 20% of that is $10,000. The most we could lend would be up to $7500, which is our maximum signature loan limit)
Maximum Loan for any member is $500,000.00 (Mortgage included)
Home Equity Loans - Call the credit union for the current rate 
Speak to Robin or Terry for quote
(757-388-3834)

Robin is unavailable daily from 10:00 AM to 12:00 PM

Have questions?  E-mail Robin, one of our loan officers.

When you are looking to buy a car, check us out before

signing the dotted line with the dealers. Let us try

and help get you a better deal!!!!

Get pre-approved and save an additional

1/4% off

your interest rate.

 

ONLINE LOAN APPLICATION

NADA Guide

See what your vehicle is worth

Click Here for our online Loan Calculator

Fee Schedule & Service Charges

Membership Fees
$5.00

Rejoining Fees (90 Day Waiting Period)

Closing Fee within 90 days

$10.00

 

$10.00

Multi Check Withdrawal $2.50 each
Stop Payment Credit Union Check $35.00
Return Deposited Item $30.00
Return Mail Fee Per Month $5.00
Copy Statement Per Page $2.50

Outgoing Wire Transfer

Incoming Wire Now            $2.00 (1-1-11)

$10.00

Below Minimum Balance Per Month $10.00
Loan Application Processing Fee $10.00
Account Verification (Mortgages) $15.00
Garnishment Fee  (Incoming) $40.00
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 $1.50 each
Non-member PCCU Checks Cashed $5.00 each

IRA Transfer Fee

Close IRA  

IRA Set-up

Fax Fee (per page)                     

$35.00

$25.00

$5.00

$1.00

Reset Home Banking

(1 free annually)

$5.00
   

  

Reconcile Accounts (Per Hour)
$20.00
Inactive Account Fee (Per Monthr)
$10.00
ATM/VISA Debit Card Fee (Lost or Stolen) $10.00
ATM/VISA Debit Transfer Fee Per Transaction $2.00
ATM/VISA  Debit Balance Inquiry $1.00
ATM Transaction Fee
Excludes Credit Union 24/CU Here
$3.00
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.  ($1 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/PIN Change $5.00
ATM/VISA sales draft copy each item

$3.50

  International wire fees will vary.

 

 

     
   
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