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% | |
| SEPTEMBER 2017 SHARE CERTIFICATE RATES |
|
| FEATURES: 0.10% 6 MONTH TERM $1000 MINIMUM SEPTEMBER 01-30, 2017 |
FEATURES: 0.20% 12 MONTH TERM $1000 MINIMUM SEPTEMBER 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 |
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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 2ND quarter ending 06/30/17 | 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 |
| 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 |
