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Share Certificates
Effective 03-13-09 |
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Months |
Annual Percentage Rate |
Yield |
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6 |
1.25% |
1.251% |
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12
24 |
1.70%
1.75% |
1.711%
1.761% |
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$100,000 Jumbo Share Certificate Available at 6 months
Rate 2.00% Yield 2.016%
$50,000 Share Certificate Available at 18 months
Rate 1.75% Yield 1.761% |
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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 01-01-09 |
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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 |
| 2006 - 2009 |
up to 60 Months |
6.00% - 13.00% |
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| 2002 - 2005 |
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 8.00% (rate good thru 06-30-09) |
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Visa Credit Card Rate 9.99% - 16.99% (Beacon score determines rate)
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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 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
See Robin or Terry for quote
Variable Rate Loan
Have questions? Email Robin, one of our loan officers.
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Looking for 1st mortgage information? Visit our mortgage webcenter for all of your first mortgage needs.
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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 |
$35.00 |
| 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 |
$1.35 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. ($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 | |
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