Rates - Pacific Crest Federal Credit Union

Savings Accounts

Account Type	Balance to Open & Earn APY	Dividend Rate	APY
Rates Effective: March 1, 2022 APY=Annual Percentage Yield. The dividend rates and Annual Percentage Yields are accurate as of the last dividend declaration and may change at any time after account opening as determined by our Board of Directors. Fees may reduce earnings. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. * Pathfinder accounts are for members 17 years and younger. Only the funds that comprise each tier will earn the rate for that tier. ** Account is subject to limitations imposed by the Internal Revenue Service, please consult tax advisor for additional information. Account plan fees may apply.
Membership Savings	$5.00	0.02%	0.02%
Additional Savings	$5.00	0.02%	0.02%
Annual Savings	$5.00	1.00%	1.00%
Pathfinder Savings*	$5.00 – $2,000.00	2.00%	2.01%
	$2,000.01 +	0.02%	2.01% – 0.35%
Health Savings**	$10.00	0.02%	0.02%
Coverdell ESA Savings**	$10.00	0.10%	0.10%
Traditional, ROTH, & SEP IRA Savings**	$10.00	0.10%	0.10%

Money Market

Balance to Earn APY	Dividend Rate	APY
Rates Effective: January 1, 2023 APY=Annual Percentage Yield. The Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration and may change at any time after account opening as determined by our Board of Directors. All deposited funds earn the rate for the tier. Fees may reduce earnings. The minimum opening deposit is $1,000.00. To avoid a monthly fee, an average daily balance of at least $1,000.00 must be maintained during the dividend period. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
$1,000.00 – $9,999.99	0.10%	0.10%
$10,000.00 – $24,999.99	0.15%	0.15%
$25,000.00 – $49,999.99	0.20%	0.20%
$50,000.00 – $99,999.99	0.25%	0.25%
$100,000.00 – $199,999.99	0.30%	0.30%
$200,000.00 +	0.35%	0.35%

Indexed Share Certificate

Product	Min. Balance to Open	Balance to Earn APY	Dividend Rate	APY
Rates Effective: March 15, 2023 APY=Annual Percentage Yield. The available term for the Indexed Share Certificate – 1 account is 12 months, 18 months for the Indexed Share Certificate – 1.5 account, and 24 months for the Indexed Share Certificate – 2 account. The APYs above were offered within the most recent seven calendar days and are accurate as of the effective date shown above. For more current rates, call 800.570.0265. Fees may reduce earnings. This account is subject to a Variable Rate and may change after account opening. Must be eligible for membership and maintain at least $5.00 in your Membership Savings Account. Variable Rate Information. The dividend rate is determined by subtracting 2.00% for the Indexed Share Certificate – 1, 1.50% for the Indexed Share Certificate – 1.5, and 1.00% for the Indexed Share Certificate – 2 from the Federal Reserve Interest Rate on Reserve Balances (IORB). APY and Rate may change on the 1st of each month based on the current IORB. The rate will be obtained from https://www.federalreserve.gov/monetarypolicy/reserve-balances.htm. The dividend rate will never be less than 0.10% for the Indexed Share Certificate – 1 account, 0.15% for the Indexed Share Certificate – 1.5 account, and 0.20% for the Indexed Share Certificate – 2 account or more than 10.00% for any of these accounts. Transaction Limitations. Once Your Account is established, funds must remain on deposit for 10 days before additional deposits and withdrawals are allowed. Then additional deposits are allowed and must be at least $100.00 per deposit for the Indexed Share Certificate – 1 account, $150.00 per deposit for the Indexed Share Certificate – 1.5 account, and $200.00 per deposit for the Indexed Share Certificate – 2 account. Withdrawals must be at least $1,000.00 for the Indexed Share Certificate – 1 account, $1,500.00 for the Indexed Share Certificate – 1.5 account, and $2,000.00 for the Indexed Share Certificate – 2 account and may incur an early withdrawal penalty.
Indexed Share Certificate – 1	$1,000.00	$1,000.00 – $1,000,000.00	2.65%	2.68%
Indexed Share Certificate – 1.5	$1,500.00	$1,500.00 – $1,000,000.00	3.15%	3.20%
Indexed Share Certificate – 2	$2,000.00	$2,000.00 – $1,000,000.00	3.65%	3.71%

Term Share Certificate

Term	Balance to Earn APY	Dividend Rate	APY
Rates Effective: January 1, 2023 APY=Annual Percentage Yield. Annual Percentage Yields above were offered within the most recent seven calendar days and are accurate as of the effective date shown above. For more current rates, call 800.570.0265. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
6 month	$1,000.00 – $9,999.99	0.10%	0.10%
	$10,000.00 – $24,999.99	0.15%	0.15%
	$25,000.00 – $49,999.99	0.20%	0.20%
	$50,000.00 – $99,999.99	0.25%	0.25%
	$100,000.00 – $199,999.99	0.30%	0.30%
	$200,000.00 +	0.35%	0.35%
12 month	$1,000.00 – $9,999.99	0.25%	0.25%
	$10,000.00 – $24,999.99	0.25%	0.25%
	$25,000.00 – $49,999.99	0.25%	0.25%
	$50,000.00 – $99,999.99	0.30%	0.30%
	$100,000.00 – $199,999.99	0.35%	0.35%
	$200,000.00 +	0.40%	0.40%
24 month	$1,000.00 – $9,999.99	1.00%	1.00%
	$10,000.00 – $24,999.99	1.09%	1.10%
	$25,000.00 – $49,999.99	1.19%	1.20%
	$50,000.00 – $99,999.99	1.29%	1.30%
	$100,000.00 – $199,999.99	1.39%	1.40%
	$200,000.00 +	1.49%	1.50%
36 month	$1,000.00 – $9,999.99	1.09%	1.10%
	$10,000.00 – $24,999.99	1.19%	1.20%
	$25,000.00 – $49,999.99	1.29%	1.30%
	$50,000.00 – $99,999.99	1.39%	1.40%
	$100,000.00 – $199,999.99	1.49%	1.50%
	$200,000.00 +	1.59%	1.60%
48 month	$1,000.00 – $9,999.99	1.19%	1.20%
	$10,000.00 – $24,999.99	1.29%	1.30%
	$25,000.00 – $49,999.99	1.39%	1.40%
	$50,000.00 – $99,999.99	1.49%	1.50%
	$100,000.00 – $199,999.99	1.59%	1.60%
	$200,000.00 +	1.69%	1.70%
60 month	$1,000.00 – $9,999.99	1.29%	1.30%
	$10,000.00 – $24,999.99	1.39%	1.40%
	$25,000.00 – $49,999.99	1.49%	1.50%
	$50,000.00 – $99,999.99	1.59%	1.60%
	$100,000.00 – $199,999.99	1.69%	1.70%
	$200,000.00 +	1.79%	1.80%

Bump Rate Term Share Certificate

Term	Balance to Earn APY	Dividend Rate	APY
Rates Effective: January 1, 2023 APY=Annual Percentage Yield. Annual Percentage Yields above were offered within the most recent seven calendar days and are accurate as of the effective date shown above. For more current rates, call 800.570.0265. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. 18 Month – Bump Rate Term Share Certificate: Prior to the Maturity Date of your Account, you may make a single request to increase the dividend rate that is paid on your account to the rate this is commensurate with the divided rate then being paid on a comparable account having the same term to maturity as your original account.
18 month	$1,000.00 – $9,999.99	0.30%	0.30%
	$10,000.00 – $24,999.99	0.35%	0.35%
	$25,000.00 – $49,999.99	0.40%	0.40%
	$50,000.00 – $99,999.99	0.50%	0.50%
	$100,000.00 – $199,999.99	0.60%	0.60%
	$200,000.00 +	0.70%	0.70%

Pathfinder Term Share Certificate

Term	Balance to Earn APY	Dividend Rate	APY
Rates Effective: January 1, 2023 Pathfinder accounts are for members 17 years and younger. APY=Annual Percentage Yield. Annual Percentage Yields above were offered within the most recent seven calendar days and are accurate as of the effective date shown above. For more current rates, call 800.570.0265. Only the funds that comprise each tier will earn the rate for that tier. Fees may reduce earnings. A penalty may be imposed for early withdrawal. The minimum opening balance is $100.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
12 month	$100.00 – $4,999.99	3.00%	3.04%
	$5,000.00 +	0.05%	3.04% – 1.05%

Term

Balance to Earn APY

Dividend Rate

APY

Rates Effective: January 1, 2023

Pathfinder accounts are for members 17 years and younger. APY=Annual Percentage Yield. Annual Percentage Yields above were offered within the most recent seven calendar days and are accurate as of the effective date shown above. For more current rates, call 800.570.0265. Only the funds that comprise each tier will earn the rate for that tier. Fees may reduce earnings. A penalty may be imposed for early withdrawal. The minimum opening balance is $100.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.

12 month

$100.00 – $4,999.99

3.00%

3.04%

$5,000.00 +

0.05%

3.04% – 1.05%

IRA Term Share Certificate

Term	Balance to Earn APY	Dividend Rate	APY
Rates Effective: January 1, 2023 APY=Annual Percentage Yield. Annual Percentage Yields above were offered within the most recent seven calendar days and are accurate as of the effective date shown above. For more current rates, call 800.570.0265. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Individual Retirement Accounts (IRAs) are subject to limitations imposed by the Internal Revenue Service, please consult a tax advisor for additional information. Account plan fees may apply. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
6 month	$1,000.00 – $9,999.99	0.10%	0.10%
	$10,000.00 – $24,999.99	0.15%	0.15%
	$25,000.00 – $49,999.99	0.20%	0.20%
	$50,000.00 – $99,999.99	0.25%	0.25%
	$100,000.00 – $199,999.99	0.30%	0.30%
	$200,000.00 +	0.35%	0.35%
12 month	$1,000.00 – $9,999.99	0.25%	0.25%
	$10,000.00 – $24,999.99	0.25%	0.25%
	$25,000.00 – $49,999.99	0.25%	0.25%
	$50,000.00 – $99,999.99	0.30%	0.30%
	$100,000.00 – $199,999.99	0.35%	0.35%
	$200,000.00 +	0.40%	0.40%
24 month	$1,000.00 – $9,999.99	1.00%	1.00%
	$10,000.00 – $24,999.99	1.09%	1.10%
	$25,000.00 – $49,999.99	1.19%	1.20%
	$50,000.00 – $99,999.99	1.29%	1.30%
	$100,000.00 – $199,999.99	1.39%	1.40%
	$200,000.00 +	1.49%	1.50%
36 month	$1,000.00 – $9,999.99	1.09%	1.10%
	$10,000.00 – $24,999.99	1.19%	1.20%
	$25,000.00 – $49,999.99	1.29%	1.30%
	$50,000.00 – $99,999.99	1.39%	1.40%
	$100,000.00 – $199,999.99	1.49%	1.50%
	$200,000.00 +	1.59%	1.60%
48 month	$1,000.00 – $9,999.99	1.19%	1.20%
	$10,000.00 – $24,999.99	1.29%	1.30%
	$25,000.00 – $49,999.99	1.39%	1.40%
	$50,000.00 – $99,999.99	1.49%	1.50%
	$100,000.00 – $199,999.99	1.59%	1.60%
	$200,000.00 +	1.69%	1.70%
60 month	$1,000.00 – $9,999.99	1.29%	1.30%
	$10,000.00 – $24,999.99	1.39%	1.40%
	$25,000.00 – $49,999.99	1.49%	1.50%
	$50,000.00 – $99,999.99	1.59%	1.60%
	$100,000.00 – $199,999.99	1.69%	1.70%
	$200,000.00 +	1.79%	1.80%

IRA Bump Rate Term Share Certificate

Term	Balance to Earn APY	Dividend Rate	APY
Rates Effective: January 1, 2023 APY=Annual Percentage Yield. Annual Percentage Yields above were offered within the most recent seven calendar days and are accurate as of the effective date shown above. For more current rates, call 800.570.0265. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Individual Retirement Accounts (IRAs) are subject to limitations imposed by the Internal Revenue Service, please consult a tax advisor for additional information. Account plan fees may apply. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. 18 Month – IRA Bump Rate Term Share Certificate: Prior to the Maturity Date of your Account, you may make a single request to increase the dividend rate that is paid on your account to the rate this is commensurate with the divided rate then being paid on a comparable account having the same term to maturity as your original account.
18 month	$1,000.00 – $9,999.99	0.30%	0.30%
	$10,000.00 – $24,999.99	0.35%	0.35%
	$25,000.00 – $49,999.99	0.40%	0.40%
	$50,000.00 – $99,999.99	0.50%	0.50%
	$100,000.00 – $199,999.99	0.60%	0.60%
	$200,000.00 +	0.70%	0.70%

Checking Accounts

Account Type	Bal. to Earn APY	Dividend Rate	APY
Rates Effective: March 27, 2023 APY=Annual Percentage Yield. The Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration date and may change at any time after account opening as determined by our Board of Directors. Fees may reduce earnings. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. * In order to earn the dividends at the disclosed rate during each monthly qualification cycle: (a) Your Credit Union loans, if any, cannot be more than 14 days past due; and (b) at least 15 point of sale transactions using Your VISA Debit Card must post and settle to Your Account as evidenced by Your monthly statement; and (c) You must consent to receive Your periodic statements electronically; and (d) You must have a minimum $5.00 balance in Your membership savings account. Only the funds that comprise each tier will earn the rate for that tier. Pathfinder accounts are for members 17 years and younger. Only the funds that comprise each tier will earn the rate for that tier. * Account is subject to limitations imposed by the Internal Revenue Service. Please consult tax advisor for additional information. Minimum opening balance of $10.00.
Simple Checking	N/A	N/A	N/A
Rewards Checking*	$0.01 – $10,000.00	4.89%	5.00%
	$10,000.01 +	0.02%	5.00% – 1.68%
Pathfinder Checking**	$0.01 – $1,000.00	1.00%	1.00%
	$1,000.00 +	0.02%	1.00% – 0.11%
Health Checking***	N/A	N/A	N/A

Visa^® Credit Card

APR on Purchases	APR on Balance Transfers	APR on Cash Advances	Annual Fee
Rates Effective: January 1, 2023 APR=Annual Percentage Rate. All Visa^® Credit Cards are subject to approval, actual APR is based on borrower’s creditworthiness and is subject to change. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. View important Credit Card Disclosures ** Intro Rate Terms and Conditions: 0% Introductory APR applies to balance transfer requests made between January 3, 2023 and March 31, 2023 that have been approved and processed through Pacific Crest FCU. After March 31, 2023 your standard Balance Transfer APR will apply to new balance transfers. The introductory APR will continue to apply to any remaining introductory balance transfer through the billing cycle that ends in September 2023. The promotional APR cannot be applied to any existing balances on your account or balance transfers made from other Pacific Crest FCU credit cards. Balance transfer amounts must not exceed the available credit limit of the account. Requests over the available credit limit will be declined and must be resubmitted for a lesser amount. Balance transfer requests may take up to 30 days to process. We reserve the right not to process Balance Transfer requests for any reason.
7.99% – 16.99%	0.00% Intro Rate until September 30, 2023 and 7.99% – 16.99% after that **	9.99% – 17.99%	None

APR on Purchases

APR on Balance Transfers

APR on Cash Advances

Annual Fee

Rates Effective: January 1, 2023

APR=Annual Percentage Rate. All Visa^® Credit Cards are subject to approval, actual APR is based on borrower’s creditworthiness and is subject to change. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.

View important Credit Card Disclosures

** Intro Rate Terms and Conditions: 0% Introductory APR applies to balance transfer requests made between January 3, 2023 and March 31, 2023 that have been approved and processed through Pacific Crest FCU. After March 31, 2023 your standard Balance Transfer APR will apply to new balance transfers. The introductory APR will continue to apply to any remaining introductory balance transfer through the billing cycle that ends in September 2023. The promotional APR cannot be applied to any existing balances on your account or balance transfers made from other Pacific Crest FCU credit cards. Balance transfer amounts must not exceed the available credit limit of the account. Requests over the available credit limit will be declined and must be resubmitted for a lesser amount. Balance transfer requests may take up to 30 days to process. We reserve the right not to process Balance Transfer requests for any reason.

7.99% – 16.99%

0.00% Intro Rate until September 30, 2023 and 7.99% – 16.99% after that **

9.99% – 17.99%

None

Visa^® Cashback Card

APR on Purchases	APR on Balance Transfers	APR on Cash Advances	Annual Fee
Rates Effective: January 1, 2023 Earn up to 1% cashback on all qualifying Purchases. Terms and conditions apply, call us at 888.810.1148 for more information. APR=Annual Percentage Rate. All Visa^® Credit Cards are subject to approval, actual APR is based on borrower’s creditworthiness and is subject to change. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. View important Credit Card Disclosures ** Intro Rate Terms and Conditions: 0% Introductory APR applies to balance transfer requests made between January 3, 2023 and March 31, 2023 that have been approved and processed through Pacific Crest FCU. After March 31, 2023 your standard Balance Transfer APR will apply to new balance transfers. The introductory APR will continue to apply to any remaining introductory balance transfer through the billing cycle that ends in September 2023. The promotional APR cannot be applied to any existing balances on your account or balance transfers made from other Pacific Crest FCU credit cards. Balance transfer amounts must not exceed the available credit limit of the account. Requests over the available credit limit will be declined and must be resubmitted for a lesser amount. Balance transfer requests may take up to 30 days to process. We reserve the right not to process Balance Transfer requests for any reason.
9.99% – 17.99%	0.00% Intro Rate until September 30, 2023 and 9.99% – 17.99% after that **	11.99% – 17.99%	None

APR on Purchases

APR on Balance Transfers

APR on Cash Advances

Annual Fee

Rates Effective: January 1, 2023

Earn up to 1% cashback on all qualifying Purchases. Terms and conditions apply, call us at 888.810.1148 for more information.

View important Credit Card Disclosures

9.99% – 17.99%

0.00% Intro Rate until September 30, 2023 and 9.99% – 17.99% after that **

11.99% – 17.99%

None

Visa^® Secured

APR on Purchases	APR on Balance Transfers	APR on Cash Advances	Annual Fee
Rates Effective: January 1, 2023 APR= Annual Percentage Rate. All Visa^® Credit Cards are subject to approval, actual APR is based on borrower’s creditworthiness and is subject to change. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. View important Credit Card Disclosures ** Intro Rate Terms and Conditions: 0% Introductory APR applies to balance transfer requests made between January 3, 2023 and March 31, 2023 that have been approved and processed through Pacific Crest FCU. After March 31, 2023 your standard Balance Transfer APR will apply to new balance transfers. The introductory APR will continue to apply to any remaining introductory balance transfer through the billing cycle that ends in September 2023. The promotional APR cannot be applied to any existing balances on your account or balance transfers made from other Pacific Crest FCU credit cards. Balance transfer amounts must not exceed the available credit limit of the account. Requests over the available credit limit will be declined and must be resubmitted for a lesser amount. Balance transfer requests may take up to 30 days to process. We reserve the right not to process Balance Transfer requests for any reason.
14.90%	0.00% Intro Rate until September 30, 2023 and 14.90% after that **	18.00%	$25.00

APR on Purchases

APR on Balance Transfers

APR on Cash Advances

Annual Fee

Rates Effective: January 1, 2023

APR= Annual Percentage Rate. All Visa^® Credit Cards are subject to approval, actual APR is based on borrower’s creditworthiness and is subject to change. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.

View important Credit Card Disclosures

14.90%

0.00% Intro Rate until September 30, 2023 and 14.90% after that **

18.00%

$25.00

Auto Loans

Term	APR
Rates Effective: March 1, 2023 You may qualify for 3 months with no payments. Qualification is based on creditworthiness. Finance charges will continue to accrue during no payment period. Call 888.810.1148 for more details. APR=Annual Percentage Rate. All Loans are subject to approval, actual APR is subject to change and is based on borrower’s creditworthiness, terms of loan, and collateral. Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Estimated Monthly Payment Example: $403.69 a month based on a 84-month, $25,0000 loan at 8.99% APR.
Up to 40 months	4.99% – 18.00%
41 to 52 months	5.29% – 18.00%
53 to 64 months	5.49% – 18.00%
65 to 76 months	5.99% – 18.00%
77 to 84 months	6.49% – 17.50%

Recreational Vehicles and Boat Loans

Term	APR
Rates Effective: March 1, 2023 1.00% APR Discount Special has been applied to these rates. Expires 4/30/2023. APR=Annual Percentage Rate. All Loans are subject to approval, actual APR is subject to change and is based on borrower’s creditworthiness, terms of loan, and collateral. Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Estimated Monthly Payment Example: $321.96 a month based on a 120-month, $25,000.00 loan at 9.29% APR.
Up to 64 months	4.79% – 17.00%
65 to 84 months	5.29% – 17.00%
85 to 120 months	6.29% – 17.00%
121 to 144 months	6.49% – 15.79%
145 to 180 months	7.29% – 16.79%

New Power Sports Loans

Term	APR
Rates Effective: March 1, 2023 1.00% APR Discount Special has been applied to these rates. Expires 4/30/2023. APR=Annual Percentage Rate. All Loans are subject to approval, actual APR is subject to change and is based on borrower’s creditworthiness, terms of loan, and collateral. Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Estimated Monthly Payment Example: $416.72 a month based on a 84-month, $25,000.00 loan at 9.99% APR.
Up to 40 months	4.49% – 17.00%
41 to 64 months	6.49% – 17.00%
65 to 76 months	7.99% – 17.00%
77 to 84 months	8.99% – 9.99%

Used Power Sports Loans

Term	APR
Rates Effective: March 1, 2023 1.00% APR Discount Special has been applied these rates. Expires 4/30/2023. APR=Annual Percentage Rate. All Loans are subject to approval, actual APR is subject to change and is based on borrower’s creditworthiness, terms of loan, and collateral. Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Estimated Monthly Payment Example: $287.16 a month based on a 70-month, $15,000.00 loan at 10.29% APR.
Up to 28 months	4.99% – 17.00%
29 to 40 months	5.99% – 17.00%
41 to 52 months	6.99% – 17.00%
53 to 70 months	8.29% – 10.29%

Non-Commercial Use Equipment Loans

Term	APR
Rates Effective: March 1, 2023 1.00% APR Discount Special has been applied these rates. Expires 4/30/2023. APR=Annual Percentage Rate. All Loans are subject to approval, actual APR is subject to change and is based on borrower’s creditworthiness, terms of loan, and collateral. Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Estimated Monthly Payment Example: $341.85 a month based on a 84-month, $20,000.00 loan at 10.79% APR.
Up to 52 months	4.29% – 17.00%
53 to 64 months	4.79% – 17.00%
65 to 84 months	5.29% – 13.29%
85 to 96 months	6.79% – 12.29%

Personal Loans

Term	Annual Percentage Rate
Rates Effective: March 1, 2023 1.00% APR Discount Special has been applied the Personal Loan rates. Expires 4/30/2023. All Loans are subject to approval, actual APR is subject to change and is based on borrower’s creditworthiness and terms of loan. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Estimated Monthly Payment Example: $277.66 a month based on a 60-month, $12,000.00 loan at 13.49% APR.
Up to 84 months	9.99% – 16.99%

Term

Annual Percentage Rate

Rates Effective: March 1, 2023

1.00% APR Discount Special has been applied the Personal Loan rates. Expires 4/30/2023.

All Loans are subject to approval, actual APR is subject to change and is based on borrower’s creditworthiness and terms of loan. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.

Estimated Monthly Payment Example: $277.66 a month based on a 60-month, $12,000.00 loan at 13.49% APR.

Up to 84 months

9.99% – 16.99%

Personal Lines of Credit

APR
Rates Effective: March 1, 2023 All Loans are subject to approval, actual APR is subject to change and is based on borrower’s creditworthiness and terms of loan.
10.99% – 17.99%

APR

Rates Effective: March 1, 2023

All Loans are subject to approval, actual APR is subject to change and is based on borrower’s creditworthiness and terms of loan.

10.99% – 17.99%

Compass Credit Builder

Term	Annual Percentage Rate
Rates Effective: February 1, 2022 All Loans are subject to approval. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. The Compass Credit Builder is designed to help you build credit history. The loan proceeds are placed in an Additional Savings account and the proceeds are held as security for the loan. As the loan is paid down, the funds become available for use. Many factors go into determining your creditworthiness; this product is a tool to help you build credit but its effectiveness will depend on your individual circumstance. Call us at 888.810.1148 for more information.
13 or 25 months	3.00%

Term

Annual Percentage Rate

Rates Effective: February 1, 2022

All Loans are subject to approval. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.

The Compass Credit Builder is designed to help you build credit history. The loan proceeds are placed in an Additional Savings account and the proceeds are held as security for the loan. As the loan is paid down, the funds become available for use. Many factors go into determining your creditworthiness; this product is a tool to help you build credit but its effectiveness will depend on your individual circumstance. Call us at 888.810.1148 for more information.

13 or 25 months

3.00%

Share/Certificate Secured Loan

Term	APR
Rates Effective: September 1, 2022 APR=Annual Percent Yield. All Loans are subject to approval. The annual percentage rate for Share/Certificate Secured loans will be the dividend rate being paid on regular shares offered as security (Index) on the date of the advance plus the percentage shown as the “% above index” above. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Estimated Monthly Payment Example: $179.93 a month based on a 60-month, $10,000.00 loan at 3.00% APR.
Up to 144 Months	3.00% above index

Term

APR

Rates Effective: September 1, 2022

APR=Annual Percent Yield. All Loans are subject to approval. The annual percentage rate for Share/Certificate Secured loans will be the dividend rate being paid on regular shares offered as security (Index) on the date of the advance plus the percentage shown as the “% above index” above. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.

Estimated Monthly Payment Example: $179.93 a month based on a 60-month, $10,000.00 loan at 3.00% APR.

Up to 144 Months

3.00% above index

Mortgage


Mortgage	For current rates and quick quotes, visit mortgages.mypcfcu.org.
HELOC	For current rates call us at 888.810.1148.

Business Membership Savings

Balance to Earn APY	Dividend Rate	Annual Percentage Yield
Rates are effective as of January 1, 2020 and are subject to change at any time. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
$5.00	0.02%	0.02%

Business Money Market

Balance to Earn APY	Dividend Rate	Annual Percentage Yield
Rates are effective as of January 1, 2023 and are subject to change at any time. All deposited funds earn the rate for the tier. The minimum opening deposit is $1,000.00. To avoid a monthly fee, an average daily balance of at least $1,000.00 must be maintained during the dividend period. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
$1,000.00 – $9,999.99	0.10%	0.10%
$10,000.00 – $24,999.99	0.15%	0.15%
$25,000.00 – $49,999.99	0.20%	0.20%
$50,000.00 – $99,999.99	0.25%	0.25%
$100,000.00 – $199,999.99	0.30%	0.30%
$200,000.00 +	0.35%	0.35%

Business Checking

Checking Type	Balance to Earn APY	Dividend Rate	Annual Percentage Yield
Rates are effective as of January 1, 2020 and are subject to change at any time. Business analysis, set-up and service fees may apply, contact the credit union at 800.570.0265 for more information. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. * Community Partner Checking accounts are designed for non-profits and similar business types to offer them reduced fees and easier access to financial services. Contact the credit union at 800.570.0265 for more information.
Business Checking	$20,000.00	0.02%	0.02%
Cash Intensive Checking	$20,000.00	0.02%	0.02%
Business Additional Checking	N/A	N/A	N/A
Business Client Checking	N/A	N/A	N/A
Community Partner Checking*	N/A	N/A	N/A

Business Loans


We offer a full suite of business loans (real estate, ag, equipment, lines of credit, credit cards, etc) tailored to your business needs. Call us at 541.810.6951 for more information.