All rates subject to change. Membership eligibility required.
♦Includes Health Savings Accounts (HSA)
Savings Rates: August 1, 2024
Share Accounts
Comparison table of Share Accounts
Share Type
Minimum Dividend Balance
Dividend Rate
Annual Percentage Yield*
Dividend Period
Share/Open Deposit♦
$25.00
0.25%
0.25%
Monthly
Christmas
$25.00
0.25%
0.25%
Monthly
Escrow
$25.00
0.25%
0.25%
Monthly
Share Draft
$2,500.00
0.25%
0.25%
Monthly
Money Management Accounts | Health Savings Money Management Accounts
Comparison table of Money Management Accounts | Health Savings Money Management Accounts
Dividend Balance
Dividend Rate
Annual Percentage Yield*
Dividend Period
$25–$2,999.99
0.25%
0.25%
Monthly
$3000 - $7,499.99
0.30%
0.30%
Monthly
$7500 - $14,999.99
0.40%
0.40%
Monthly
$15,000–$49,999.99
0.50%
0.50%
Monthly
$50,000 & over
0.60%
0.60%
Monthly
* Annual Percentage Yield is accurate as of the last dividend declaration date. Fees may reduce earnings. Rate may change after account is opened.
Share Certificates
Comparison table of Share Certificates
Share Type
Minimum Dividend Balance
Dividend Rate
Annual Percentage Yield*
Dividend Period
3 Month Certificate ♦
$500.00
0.30%
0.30%
Monthly
6 Month Certificate ♦
$500.00
0.35%
0.35%
Monthly
12 Month Certificate ♦
$500.00
0.50%
0.50%
Monthly
18 Month Certificate ♦
$500.00
0.55%
0.55%
Monthly
30 Month Certificate ♦
$500.00
0.60%
0.60%
Monthly
48 Month Certificate ♦
$500.00
1.00%
1.01%
Monthly
A penalty may be imposed for withdrawal before maturity. * Annual Percentage Yield is accurate as of August 1, 2024.
Individual Retirement Accounts
Comparison table of Individual Retirement Accounts
Share Type
Minimum Dividend Balance
Dividend Rate
Annual Percentage Yield*
Dividend Period
IRA Open Deposit
$25.00
0.25%
0.25%
Monthly
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.
Individual Retirement Account Share Certificates
Comparison table of Individual Retirement Account Share Certificates
Share Type
Minimum Dividend Balance
Dividend Rate
Annual Percentage Yield*
Dividend Period
12 Month Certificate
$500.00
0.50%
0.50%
Monthly
12 Month Certificate
$15,000.00
0.50%
0.50%
Monthly
12 Month Certificate
$25,000.00
0.50%
0.50%
Monthly
18 Month Certificate
$500.00
0.55%
0.55%
Monthly
18 Month Certificate
$15,000.00
0.55%
0.55%
Monthly
18 Month Certificate
$25,000.00
0.55%
0.55%
Monthly
30 Month Certificate
$500.00
0.60%
0.60%
Monthly
30 Month Certificate
$15,000.00
0.60%
0.60%
Monthly
30 Month Certificate
$25,000.00
0.60%
0.60%
Monthly
48 Month Certificate
$500.00
1.00%
1.01%
Monthly
48 Month Certificate
$25,000.00
1.00%
1.01%
Monthly
48 Month Certificate
$25,000.00
1.00%
1.01%
Monthly
A penalty may be imposed for withdrawal before maturity. * Annual Percentage Yield is accurate as of August 1, 2024.
Individual credit score may affect posted rate | Not all applicants will qualify for the lowest rate | Membership Eligibility Required
Rates may change without further notice | *APR = Annual Percentage Rate
Autos, RVs, Motorcycles, Boats, etc. | Titled Collateral •
Comparison table of Autos, RVs, Motorcycles, Boats, etc. | Titled Collateral •
Term
APR*+
Monthly Payment Example**
36 months
4.50%
$29.75
48 months
4.75%
$22.92
60 months
5.00%
$18.88
72 months
5.50%
$16.34
Autos, RVs, Motorcycles, Boats, etc. | Titled Collateral •
Comparison table of Autos, RVs, Motorcycles, Boats, etc. | Titled Collateral •
Term
APR*+
Monthly Payment Example**
36 months
5.50%
$30.20
48 months
5.75%
$23.37
60 months
6.00%
$19.34
Autos, RVs, Motorcycles, Boats, etc. | Titled Collateral •
Comparison table of Autos, RVs, Motorcycles, Boats, etc. | Titled Collateral •
Term
APR*+
Monthly Payment Example**
36 months
6.50%
$30.65
48 months
6.75%
$23.84
ATVs, UTVs, Snowmobiles, Boats, Trailers, etc. | Untitled Collateral •
Comparison table of ATVs, UTVs, Snowmobiles, Boats, Trailers, etc. | Untitled Collateral •
Term
APR*+
Monthly Payment Example**
36 months
6.00%
$30.43
48 months
6.25%
$23.61
60 months
6.50%
$19.57
72 months
7.00%
$17.05
ATVs, UTVs, Snowmobiles, Boats, Trailers, etc. | Untitled Collateral •
Comparison table of ATVs, UTVs, Snowmobiles, Boats, Trailers, etc. | Untitled Collateral •
Term
APR*+
Monthly Payment Example**
36 months
7.25%
$31.00
48 months
7.50%
$24.18
60 months
7.75%
$20.16
ATVs, UTVs, Snowmobiles, Boats, Trailers, etc. | Untitled Collateral •
Comparison table of ATVs, UTVs, Snowmobiles, Boats, Trailers, etc. | Untitled Collateral •
Term
APR*+
Monthly Payment Example**
36 months
8.50%
$31.57
48 months
8.75%
$24.77
Share/Share Certificate Secured Loan
3.00% Over Dividend Rate
Dividend rate as of the last declaration date of the pledged account at time of loan closing.
Kwik Cash
12.50% APR
Repayment Terms: 2% of outstanding balance or $15, whichever is greater. Variable rate may increase after consummation.
Unsecured Loan •
Comparison table of Unsecured Loan •
Term
APR*+
Monthly Payment Example**
36 Month
9.50%
$32.04
** Monthly payment example is based on principal and interest per $1000 for rate and term. | • Loan exception additional .50%.
+ APR posted is based on credit score of 740 or above and 100% loan to value.
.25% RATE DISCOUNT FOR AUTOMATIC PAYMENTS
Not valid on REAP, ARM, Construction, 7 & 10 Year Fixed Rate or Line of Credit Loans
Membership Eligibility Required. Individual credit score, debt ratio and loan to value may affect posted rate.
*APR = Annual Percentage Rate.
Rates may change without further notice. Credit Union NMLSR ID# 705211. Phone: 920.898.4232 for current rates.
Loan rates effective: 01/02/2025.
Adjustable-Rate Mortgage | Owner Occupied & Second Home
Comparison table of Adjustable-Rate Mortgage | Owner Occupied & Second Home
Mortgage Type
Term
◊ Interest RateAPR*
Monthly Payment Example+
First Mortgage
61/24 Mo
5.750%
5.797%
$583.68
Second Mortgage
61/24 Mo
5.750%
6.555%
$83.05
◊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 1/02/2025): 7.25% APR, amortized for 299 months, with an estimated loan balance of $92,617.41 the monthly payment will be $670.34. 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 1/02/2025): 7.25% APR, amortized for 119 months, with an estimated loan balance of $7,517.47 the monthly payment will be $88.76. 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.
Fixed Rate Mortgage
Comparison table of Fixed Rate Mortgage
Term
Interest Rate
APR*
Monthly Payment Example+
7 Year (84 Mo)
5.250%
5.551%
$712.51
10 Year (120 Mo)
5.500%
5.718%
$542.60
+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.
Mobile Home Balloon *** •
Comparison table of Mobile Home Balloon *** •
Term
APR*+
Monthly Payment Example**
61 Month
7.75%
$19.89
*** 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%.
Home Equity Line of Credit (REAP®)
Comparison table of Home Equity Line of Credit (REAP®)
Rate Type
APR*
Variable Rate
7.50%
Fixed Rate
7.25%
Real Estate Balloon Non-Owner Occupied & Vacant Land
Comparison table of Real Estate Balloon Non-Owner Occupied & Vacant Land
Mortgage Type
Term
Interest Rate
APR*
Monthly Payment Example+
First Mortgage
24 MO
6.000%
6.272%
$716.49
First Mortgage
36 MO
6.250%
6.439%
$730.99
First Mortgage
60 MO
6.500%
6.624%
$745.63
Second Mortgage (First Mortgage at PFCU)
24 MO
6.000%
8.848%
$84.39
Second Mortgage (First Mortgage at PFCU)
36 MO
6.250%
8.255%
$85.75
Second Mortgage (First Mortgage at PFCU)
60 MO
6.500%
7.846%
$87.12
Second Mortgage
24 MO
7.000%
9.867%
$89.89
Second Mortgage
36 MO
7.250%
9.275%
$91.29
Second Mortgage
60 MO
7.500%
8.866%
$92.71
+ 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.
Long Term Fixed Mortgages | Saleable Loans
Term
Description
10 Year
Purchase or Refinance
15 Year
Purchase or Refinance
20 Year
Purchase or Refinance
30 Year
Purchase or Refinance
Membership Eligibility Required. Individual credit score, debt ratio and loan to value may affect posted rate. | *APR = Annual Percentage Rate. | Rates may change without further notice. Credit Union NMLSR ID# 705211. Phone: 920.898.4232 for current rates. Loan rates effective: 01/02/2025.
