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Business Hours

MON - THU: 9:00 AM - 5:00 PM
FRI: 9:00 AM - 6:00 PM

Rates

OUR RATES
New cars up to 6 years   2.70%
Used cars 1 - 3 years   3.90%
Used cars 3+ to 5 years   4.50%
over 5 years   5.00%
Secured loans on frozen shares   2.70%
Personal or non-collateral loans 36 months Amount Rate
  $2501-$4000 6.0%
  $4001-$7000 7.5%
  $7001-$10,000 8.5%
      SUMMER Loan Special    
           36 months    
   Up to $2500 -  4.0%    
     
*SCORE OF 550 & LOWER REQUIRES A COSIGNER
Home Equity Rates:
(Closing costs are generally less than $600)
   
  5 Years 5.65%
  10 Years 5.70%
  15 Years 5.75%

 

NOVEMBER 2017
SHARE CERTIFICATE RATES
FEATURES:
0.10%
6 MONTH TERM
$1000 MINIMUM
NOVEMBER 01-30, 2017
FEATURES:
0.20%
12 MONTH TERM
$1000 MINIMUM
NOVEMBER 01-30, 2017
CERTIFICATE RATES ARE FOR MONIES NOT CURRENTLY ON DEPOSIT AT PCFCU PLEASE CALL THE CREDIT UNION OFFICE FOR AN APPOINTMENT!
(570) 451-3318
 

We also offer VISA Credit Cards @ 9.9 APY 12.9% Cash Advance/Balance Transfers

We offer a VISA CuCHECK CARD (ATM/DEBIT) on our Share Draft (CHECKING) Accounts

PLEASE WATCH BULLETIN BOARDS AND NEWSLETTER FOR ANY CURRENTLY ADVERTISED SPECIALS!!!!!!!!!!!!!!!!!!

“REFINANCE YOUR HIGHER INTEREST LOANS”

NEW CAR LOANS

PLEASE LET US KNOW YOUR CURRENT NEW CAR LOAN RATE.  THE CREDIT UNION WILL EVALUATE YOUR SAVINGS AND REFINANCE YOUR LOAN WITH EASE.

 

 

Our Share dividends for the 3RD quarter ending 09/30/17 APY YIELD
Savings $50.00 - $25,000.00 .01% .01%
Clubs $50.00 - $25,000.00 .01% .01%
Shares $25,000.01+ .01% .01%
Clubs $25,000.01+ .01% .01%
     

All rates are subject to change without notice. Call the Credit Union for current rates.

FEE SCHEDULE

CREDIT UNION MEMBERSHIP  
Membership Share: $5.00 par value
Membership Fee: $1.00
 
CLOSED ACCOUNT  
No Activity for 1 year Fee $5.00
 
DORMANT ACCOUNT FEE  
Monthly fee after 1 year of no activity $5.00
 
LOANS  
Loan Application Fee:
Due at the time of application
$5.00
Loan Payment Late Fee: 10 days after due date $30.00
 
Share Draft Accounts (checking)  
NSF (Non-Sufficient Fund) Fee $30.00
Unpaid Overdrafts $20.00

Stop Payment

$25.00
Copy of check $5.00
Involuntary Closing Cost if unused drafts not returned $50.00
Statement Reproduction $4.00

Assistance in Balancing Account by staff

Processing Garnishments Received Fee

$20.00 per hr.

$100.00

 
ACH NSF FEE  
Overdraft Fee $30.00
Stop Payment $25.00
 
VISA CuCHECK CARD  
NSF (Non-Sufficient Fund) Fee $30.00
Extra, Lost, Stolen Card $5.00
Documentation fee $10.00
Card Recovery Fee $65.00
Excess of 6 ATM withdrawals per month $1.00 ea.
 
VISA CREDIT CARD  
ATM Cash Advance Fee $1.00
Over Credit Limit Fee $20.00
Late Charge (5 days after closing) $20.00
Balance Transfer Fee $1.00
 
WIRE TRANSFERS  
Domestic Outgoing $20.00
 
CHRISTMAS CLUBS  
Early Withdrawal Fee $5.00 ea.
 
STATEMENT COPY  
Previous months $2.00