|
Our rates are as follows:
| New cars up to 6 years |
|
2.90% |
| Used cars 1 - 3 years |
|
3.90% |
| Used cars 3+ to 5 years |
|
5.00% |
| over 5 years |
|
7.00% |
| Secured loans on frozen shares |
|
4.90% |
| Personal or non-collateral loans 36 months |
Score |
Rate |
| |
750+ |
8.0% |
| |
749-700 |
8.5% |
| |
699-650 |
9.0% |
| |
649-600 |
9.5% |
| |
599-551 |
10.5% |
| |
*550 & Lower |
12.5% |
| *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% |
MAY 2013
SHARE CERTIFICATE RATES |
FEATURES:
0.35%
6 MONTH TERM
$1000 MINIMUM
MAY 16-31, 2013 |
FEATURES:
0.50%
12 MONTH TERM
$1000 MINIMUM
MAY 16-31, 2013
|
|
|
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!!!!!!!!!!!!!!!!!!
| Our Share dividends for the 4th quarter ending 12/31/12 |
APY |
YIELD |
| Savings $50.00 - $25,000.00 |
.35% |
.35% |
| Clubs To $25,000.00 |
.35% |
.35% |
| Clubs & Savings $25,000.01+ |
.50% |
.50% |
| |
|
|
All rates are subject to change without notice. Call the Credit Union for current rates.
FEE SCHEDULE
| CREDIT UNION MEMBERSHIP |
|
|
$5.00 par value |
|
$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
|
$20.00 |
|
$20.00 |
|
$10.00 |
|
$5.00 |
- Involuntary Closing Cost if unused drafts not returned
|
$50.00 |
|
$4.00 |
- Assistance in Balancing Account by staff
|
$20.00 per hr. |
| ACH NSF FEE |
|
|
$20.00 |
|
$10.00 |
| VISA CuCHECK CARD |
|
- NSF (Non-Sufficient Fund) Fee
|
$20.00 |
|
$5.00 |
|
$10.00 |
|
$65.00 |
- Excess of 6 ATM withdrawals per month
|
$1.00 ea. |
| VISA CREDIT CARD |
|
|
$1.00 |
|
$20.00 |
- Late Charge (5 days after closing)
|
$20.00 |
|
$1.00 |
| WIRE TRANSFERS |
|
|
$12.00 |
| CHRISTMAS CLUBS |
|
|
$5.00 ea. |
| STATEMENT COPY |
|
|
$2.00 |
| |
|
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