People's Community Federal Credit Union

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Current Rates

 

Loan Rates

Effective: October 17, 2017

 

DISCLOSURES     FEE SCHEDULE

 

 

Auto Loans

Loan Type Fixed Annual Percentage Rate
Auto Specials*
2010 or Newer (36 months)
2.90%
2010 or Newer (60 months) 3.25%
New RV/Boat Specials*
Model year 2012 or newer
4.75%
Match-a-Rate*
Bonus Back up to $300
1.99% Minimum
New Autos (61+ Months)
Model Years 2014 or Newer
(Includes Tax and License)
5.25%
Used Autos (61+ Months)
And
Recreational Loans
Model Years 2010 to 2013
6.25%
Older Used Autos
Model years 2009 or older
10.50%

   *Applicable to new PCFCU loans and not available for refinancing PCFCU loans
  Recreational vehicles include: Motorhomes, Motorcycles, Boats, ATVs, Trailers, Snowmobiles, and Jet Skis.

 

Visa® Credit Card

Loan Type Annual Percentage Rate
Visa® Platinum Rewards  

Introductory Rate*
Standard Rate
Cash Advance Rate

1.90%
9.24%
9.24%

*Introductory APR for one year from date of account opening
For full disclosure regarding introductory rate, click here

 

Personal Loans

Loan Type Fixed Annual Percentage Rate
Certificate Secured Loans
above rate rounded to nearest .5%
4.00%
Share Secured Loans 3.75%
All Other Advances
Bill Consolidation, Current Living Expenses, Personal Line of Credit, Etc.
11.00%

 


Home Equity Loans

Loan Type Annual Percentage Rate LTV

Home Equity Line of Credit
Index Value: Prime*
No Annual Fee

4.25%* Variable
Margin: 0.00%
90%

*The Annual Percentage Rate is based on the value of the index. The index is the Prime Rate, as published in The Wall Street Journal (Western Edition). To determine the Annual Percentage Rate that will apply to your line, we add a margin to the value of the index. The maximum APR is 18% over the life of the loan. Rate subject to change quarterly.

Documentation Preparation Fee: $300    Estimated 3rd party HELOC fees: $850
No Points or Origination Fees

 

Mortgage Loans

Loan Type Fixed Annual Percentage Rate LTV
1st Deed of Trust
Primary Residence
   
30 year
15 year
10 year
4.25%
3.50%
3.25%
80%
80%
80%
2nd Mortgage
Primary Residence
   
15 year
15 year
10 year 
  5 year
5.25%
5.50%
4.75%
4.25%
80%
90%
80%
80%
1st Mortgage
Vacation Property

15 year
7.00% 80%


The estimated aggregate of Credit Union and 3rd party fees on real estate loans is $1200.00 to $1,500.00. This includes a $300.00 document preparation fee.

Example: On a 15-year loan secured by a 1st deed of trust at a rate of 3.50%, there would be monthly payments of $7.15 per $1,000.00 borrowed

Example: On a 15-year loan secured by a 2nd deed of trust at a rate of 5.25%, there would be monthly payments of $8.05 per $1,000.00 borrowed

 

Savings & Checking Rates

Effective: October 17, 2017

DISCLOSURES     FEE SCHEDULE

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your Certificate Accounts at People's Community Federal Credit Union at this time. The credit union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.

APY = Annual Percentage Yield


 

 

Savings Rates

Account Dividend Rate APY* Minimum Opening Balance Minimum Monthly Balance To Avoid Fee Dividends Compounded and Credited
Carefree Savings .05% .05% $5 $50 Quarterly
Holiday Club Account
.05% .05% --- --- Monthly
IRA Savings .05% .05% $5 --- Quarterly

 

Checking Rates

Account Dividend Rate APY* Minimum Opening Balance Minimum Monthly Balance To Avoid Fee Dividends Compounded and Credited
Carefree Checking
--- --- $100 --- ---
Money Management Account
.20% .20% $1,000 $1,000 Monthly

 

 

Certificate Rates

Term Dividend Rate APY* Minimum Opening Balance Dividends Compounded and Credited
3 Months 0.05% 0.05% $500.00 Monthly
6 Months 0.10% 0.10% $500.00 Monthly
12 Months 0.10% 0.10% $500.00 Monthly
18 Months 0.15% 0.15% $500.00 Monthly
24 Months 0.25% 0.25% $500.00 Monthly
36 Months 0.60% 0.60% $500.00 Monthly
60 Months 1.00% 1.00% $500.00 Monthly

* The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity.

 

Loyalty Rates

Account Dividend Rate APY Minimum Opening Balance
Loyalty Savings      
$0.00 - $750.00 4.91% 5.00% $100.00
$750.01 and over 0.05% 0.05% to 5.00% ---
Loyalty Checking      
$0.00 - $35,000.00 1.74% 1.75% $100.00
$35,000.01 and over 0.05% 0.30% to 1.75% ---

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