Rates

* Annual Percentage Yield is accurate as of the last dividend declaration date. Fees may reduce earnings. Rate may change after account is opened.

A penalty may be imposed for withdrawal before maturity. ** Annual Percentage Yield is accurate as of August 1, 2024. 

All rates subject to change. Membership eligibility required. *Annual Percentage Yield is accurate as of the last dividend declaration date.
Fees may reduce earnings. Rate may change after account is opened.

A penalty may be imposed for withdrawal before maturity. ** Annual Percentage Yield is accurate as of August 1, 2024.

 ◊The initial rate is not based on the established index and is based on the borrower's credit worthiness. The interest rate, APR, and margin listed are based on a credit score of 740 or greater.  The first interest rate adjustment will occur in 61 months and every 24 months thereafter. +First Mortgage: Monthly payment based on a loan amount of $100,000.00 and 30-year amortization. Rate and payment at first adjustment (based on the index and margins effective as of 1/01/2024):  7.75% APR, amortized for 299 months, with an estimated loan balance of $92,617.41 the monthly payment will be $700.55.  Second Mortgage: Monthly payment based on a loan amount of $10,000.00 and 15-year amortization. Rate and payment at first adjustment (based on the index and margins effective as of 1/01/2024):  7.75% APR, amortized for 119 months, with an estimated loan balance of $7,517.38 the monthly payment will be $90.73.  A processing fee is included in these examples.  These payment examples do not include any mortgage insurance premiums, real estate taxes, homeowner’s insurance or additional fees or add-ons. If applicable the actual payment obligation will be greater. The APR is variable and subject to change after the 61 months and may cause the payment to increase.  Index = Prime Rate published in the Wall Street Journal.  See credit union for full details. 

+Monthly payment example based on a loan amount of $50,000.00. A processing fee is included in these examples.  These payment calculation examples do not include any mortgage insurance premiums, real estate taxes, homeowner’s insurance or additional fees or add-ons. If applicable, the actual payment obligation will be greater. New money required to refinance existing PFCU loans at this rate. Offer not valid on business loans. 7 or 10 year terms are fully amortized.

*** Loan amortization for new dwelling is 180 months, for 1-3 years old is 144 months, for 4-7 years old is 120 months, for 8-10 years old is 84 months, over 10 years is fixed for 60 months.
** Monthly Payment is based on principal and interest per $1000 for rate and term of 61 months. • Loan Exception - Additional .50%.

Variable rate may increase after consummation. Variable Maximum Rate is 16.40%.

+ First Mortgage: Monthly payment based on a loan amount of $100,000.00 with a 20 year amortization and final balloon payment due on the maturity date. This includes origination fees. +Second Mortgage: Monthly payment based on a loan amount of $10,000.00 with a 15 year amortization and final balloon payment due on the maturity date. A processing fee is included in these examples.  These payment examples  do not include any mortgage insurance premiums, real estate taxes, homeowner's insurance or additional fees or add-ons. If applicable the actual payment obligation will be greater.