Business & Ag Rates

Business Checking

Balance to Earn APY

Dividend Rate

Annual Percentage Yield

Rates Effective: December 1, 2018

Monthly Check Deposit Fees: First 200 items free. $0.15 Each additional check deposited.

Monthly Cash Deposits Fees: First $2,000.00 free. 0.5% of cash deposited over $2,000.00

Monthly Cash Withdrawal Fees: First $2,000.00 free.  0.5% of cash withdrawn over $2,000.00

Monthly Checks Written Fees: First 20 items free.  $0.25 Each additional check cleared.

$20,000.00

0.02%

0.02%

Business Additional Checking

Balance to Earn APY

Dividend Rate

Annual Percentage Yield

Rates Effective: December 1, 2018

Monthly Service Fee: $10.00

Checks Deposited Fee:  $0.15 per item

Cash Deposited Fee: 0.5% of cash deposited

Cash Withdrawn Fee:  0.5% of cash withdrawn

Checks Written Fee:  $0.25 each check cleared

N/A

0.00%

0.00%

Business Analysis Checking

Balance to Earn APY

Dividend Rate

Annual Percentage Yield

Please contact Pacific Crest Federal Credit Union for Details

Rate Information The APY is a percentage rate that effects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The Dividend Rate APY may change at any time as determined by the Credit Union’s Board of Directors.

Nature of Dividends Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

Dividends Compounding and Crediting The compounding and crediting of dividends and dividend period applicable to each account is set forth in the Rate Free Schedule (above).The Dividend Period is the period of time at the end of which an account earns dividend credit. The Dividend Period begins on the first calendar day of the month and ends on the last calendar day of the month. Dividends posted to the account on the last day of the month are based on the daily periodic method.

Accrual of Dividends For all accounts, dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account.

Balance Information The minimum balance requirements applicable to each account are set forth in the Rate and Fee Schedule (above). For all accounts dividends are calculated by the Daily Balance method which applies a daily periodic rate to the principal in the account each day.

Account Limitations Savings/Money Market Accounts-No more than six (6) pre-authorized, automatic, or telephone transfers may be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of these six (6) transfers may be made by check, draft, or debit card to a third party. If you exceed these limitations, your account will be subject to a $1.00 per transaction overlimit fee. Checking -If the checks written per month exceeds the number allowed in the Rate and Fee Schedule listed above a $0.25 per check fee will be charged each check that exceeds the limit.

Business Debit Cards This card may be used at Automatic Teller Machines (ATM) and Point of Sale locations for purchases/withdrawals only. Commercial accounts are prohibited from making deposits in the ATM Machines.

$20,000.00

0.02%

0.02%

Business Membership Savings

Balance to Earn APY

Dividend Rate

Annual Percentage Yield

Rates Effective: December 1, 2018

Minimum Opening Deposit: $5.00

$5.00

0.02%

0.02%

Money Market

Balance to Earn APY

Dividend Rate

Annual Percentage Yield

Rates Effective: December 1, 2018

The dividend rate and APY may change at any time as determined by the Credit Union’s Board of Directors. Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the month and ends on the last calendar day of the month. Dividends will be compounded monthly and will be credited to the account monthly. Fees may reduce earnings.

Federal regulation limits money market accounts (savings) to six transfers or withdrawals per month if by check, point of sale, debit card, pre-authorized, automatic, telephone, or computer transfer. Items presented for payment that exceed the transaction limitations will be denied.

$1000.00-$9999.99

0.10%

0.10%

$10,000.00-$24,999.99

0.12%

0.12%

$25,000.00-$49,999.99

0.15%

0.15%

$50,000.00-$99,999.99

0.17%

0.17%

$100,000.00-$199,999.99

0.20%

0.20%

$200,000.00 +

0.22%

0.22%

Visa® Platinum

APR on Purchases

APR on Cash Advances

Annual Fee

Rates Effective: December 1, 2017

Download the complete Visa® Credit Card Agreement and Disclosure 

How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau: To Learn more about factors to consider when applying for or using a credit card, visit the web site of the Consumer Financial Protection Bureau at consumerfinance.gov .

9.25%

14.90%

$0.00

Visa® Classic

APR on Purchases

APR on Cash Advances

Annual Fee

Rates Effective: December 1, 2017

Download the complete Visa® Credit Card Agreement and Disclosure 

How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau: To Learn more about factors to consider when applying for or using a credit card, visit the web site of the Consumer Financial Protection Bureau at consumerfinance.gov .

 

 

14.50% - 16.50%

17.50%

$10.00

Visa® Share Secured

APR on Purchases

APR on Cash Advances

Annual Fee

Rates Effective: December 1, 2017

Download the complete Visa® Credit Card Agreement and Disclosure 

How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau: To Learn more about factors to consider when applying for or using a credit card, visit the web site of the Consumer Financial Protection Bureau at consumerfinance.gov .

14.90%

18.00%

$25.00

Disclosures

The Dividend Rate and APY may change at any time as determined by the Credit Union’s Board of Directors.  For accounts earning dividends, the dividends are calculated by the Average Daily Balance method.

The Dividend Rate and APY may change at any time as determined by the Credit Union’s Board of Directors.  For accounts earning dividends, the dividends are calculated by the Average Daily Balance method. Dividends will be compounded monthly and will be credited to your account monthly.

Federal regulation limits business savings and money market accounts to six transfers or withdrawals per month if by check, point of sale debit card, preauthorized, automatic, telephone, or computer transfer.  Items presented for payment that exceed the transaction limitations will be denied.  There is no limit to withdrawals or transfers made in person, by mail, by messenger, or at an ATM.

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