Rates

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Savings Rates

All rates subject to change. Membership eligibility required. 

♦Includes Health Savings Accounts (HSA)

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

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

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

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

consumer Loan Rates

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

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Cars, Trucks, UTVs and More...

Premier Loan Special

Autos, RVs, Motorcycles, Boats, etc. | Titled Collateral •
2022 - Newer

Comparison table of Autos, RVs, Motorcycles, Boats, etc. | Titled Collateral •
2022 - Newer
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 •
2017 - 2021

Comparison table of Autos, RVs, Motorcycles, Boats, etc. | Titled Collateral •
2017 - 2021
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 •
2016 - Older

Comparison table of Autos, RVs, Motorcycles, Boats, etc. | Titled Collateral •
2016 - Older
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 •
2022 - Newer

Comparison table of ATVs, UTVs, Snowmobiles, Boats, Trailers, etc. | Untitled Collateral •
2022 - Newer
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 •
2017 - 2021

Comparison table of ATVs, UTVs, Snowmobiles, Boats, Trailers, etc. | Untitled Collateral •
2017 - 2021
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 •
2016 - Older

Comparison table of ATVs, UTVs, Snowmobiles, Boats, Trailers, etc. | Untitled Collateral •
2016 - Older
Term	APR^*+	Monthly Payment Example^**
36 months	8.50%	$31.57
48 months	8.75%	$24.77

VISA^® Credit Card

Share/Share Certificate Secured Loan

3.00% Over Dividend Rate

Kwik Cash

12.50% APR

Unsecured Loan •

Comparison table of Unsecured Loan •
Term	APR^*+	Monthly Payment Example^**
36 Month	9.50%	$32.04

Mortgage Rates

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 Rate	APR^*	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

Mobile Home Balloon *** •

Comparison table of Mobile Home Balloon *** •
Term	APR^*+	Monthly Payment Example^**
61 Month	7.75%	$19.89

Construction Loan

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

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