Rates
|
Account Type |
Balance to Open & Earn APY |
Dividend Rate |
APY |
|---|---|---|---|
|
Rates Effective: June 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. 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 |
0.50% |
0.50% |
|
Traditional, ROTH, & SEP IRA Savings** |
$10.00 |
0.50% |
0.50% |
|
Balance to Earn APY |
Dividend Rate |
APY |
|---|---|---|
|
Rates Effective: July 1, 2024 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 |
0.70% |
0.70% |
|
$10,000.00 – $24,999.99 |
0.80% |
0.80% |
|
$25,000.00 – $49,999.99 |
0.90% |
0.90% |
|
$50,000.00 – $99,999.99 |
1.00% |
1.00% |
|
$100,000.00 – $199,999.99 |
1.09% |
1.10% |
|
$200,000.00 + |
1.19% |
1.20% |
|
Product |
Balance to Earn APY |
Dividend Rate |
APY |
|---|---|---|---|
|
Rates Effective: October 1, 2024 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, 24 months for the Indexed Share Certificate – 2 account, and 36 months for the Indexed Share Certificate – 3 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. The minimum opening balance is $1,000.00 for the Indexed Share Certificate – 1, $1,500.00 for the Indexed Share Certificate – 1.5, $2,000.00 for the Indexed Share Certificate – 2, and $3,000.00 for the Indexed Share Certificate – 3. 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, 1.00% for the Indexed Share Certificate – 2, and 0.50% for the Indexed Share Certificate – 3 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 federalreserve.gov. 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, 0.20% for the Indexed Share Certificate – 2 account, and 0.30% for the Indexed Share Certificate – 3 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, $200.00 per deposit for the Indexed Share Certificate – 2 account, and $300.00 per deposit for the Indexed Share Certificate – 3 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, $2,000.00 for the Indexed Share Certificate – 2 account, and $3,000.00 for the Indexed Share Certificate – 3 account and may incur an early withdrawal penalty. |
|||
|
Indexed - 1 |
$1,000.00 – $2,000,000.00 |
2.90% |
2.94% |
|
Indexed - 1.5 |
$1,500.00 – $2,000,000.00 |
3.40% |
3.45% |
|
Indexed - 2 |
$2,000.00 – $2,000,000.00 |
3.90% |
3.97% |
|
Indexed - 3 |
$3,000.00 - $2,000,000.00 |
4.40% |
4.49% |
|
Term |
Balance to Earn APY |
Dividend Rate |
APY |
|---|---|---|---|
|
Rates Effective: July 1, 2024 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 |
0.60% |
0.60% |
|
$10,000.00 – $24,999.99 |
0.70% |
0.70% |
|
|
$25,000.00 – $49,999.99 |
0.80% |
0.80% |
|
|
$50,000.00 – $99,999.99 |
0.90% |
0.90% |
|
|
$100,000.00 – $199,999.99 |
1.00% |
1.00% |
|
|
$200,000.00 + |
1.09% |
1.10% |
|
|
12 month |
$1,000.00 – $9,999.99 |
0.65% |
0.65% |
|
$10,000.00 – $24,999.99 |
0.75% |
0.75% |
|
|
$25,000.00 – $49,999.99 |
0.85% |
0.85% |
|
|
$50,000.00 – $99,999.99 |
0.95% |
0.95% |
|
|
$100,000.00 – $199,999.99 |
1.05% |
1.05% |
|
|
$200,000.00 + |
1.14% |
1.15% |
|
|
18 month |
$1,000.00 - $9,999.99 |
0.75% |
0.75% |
|
$10,000.00 - $24,999.99 |
0.85% |
0.85% |
|
|
$25,000.00 - $49,999.99 |
0.95% |
0.95% |
|
|
$50,000.00 - $99,999.99 |
1.05% |
1.05% |
|
|
$100,000.00 - $199,999.99 |
1.15% |
1.15% |
|
|
$200,000.00+ |
1.25% |
1.25% |
|
|
24 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 |
1.69% |
1.70% |
|
|
$100,000.00 – $199,999.99 |
1.59% |
1.60% |
|
|
$200,000.00 + |
1.49% |
1.50% |
|
|
36 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 |
1.56% |
1.60% |
|
|
$100,000.00 – $199,999.99 |
1.69% |
1.70% |
|
|
$200,000.00 + |
1.79% |
1.80% |
|
|
48 month |
$1,000.00 – $9,999.99 |
1.39% |
1.40% |
|
$10,000.00 – $24,999.99 |
1.49% |
1.50% |
|
|
$25,000.00 – $49,999.99 |
1.59% |
1.60% |
|
|
$50,000.00 – $99,999.99 |
1.69% |
1.70% |
|
|
$100,000.00 – $199,999.99 |
1.79% |
1.80% |
|
|
$200,000.00 + |
1.88% |
1.90% |
|
|
60 month |
$1,000.00 – $9,999.99 |
1.49% |
1.50% |
|
$10,000.00 – $24,999.99 |
1.59% |
1.60% |
|
|
$25,000.00 – $49,999.99 |
1.69% |
1.70% |
|
|
$50,000.00 – $99,999.99 |
1.79% |
1.80% |
|
|
$100,000.00 – $199,999.99 |
1.88% |
1.90% |
|
|
$200,000.00 + |
1.98% |
2.00% |
|
|
Term |
Balance to Earn APY |
Dividend Rate |
APY |
|---|---|---|---|
|
Rates Effective: July 1, 2024 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 |
4.98% |
5.00% |
|
$5,000.00 + |
0.05% |
5.00% – 1.05% |
|
|
Term |
Balance to Earn APY |
Dividend Rate |
APY |
|---|---|---|---|
|
Rates Effective: July 1, 2024 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 |
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% |
|
|
12 month |
$1,000.00 – $9,999.99 |
1.74% |
1.75% |
|
$10,000.00 – $24,999.99 |
1.79% |
1.80% |
|
|
$25,000.00 – $49,999.99 |
1.83% |
1.85% |
|
|
$50,000.00 – $99,999.99 |
1.88% |
1.90% |
|
|
$100,000.00 – $199,999.99 |
1.93% |
1.95% |
|
|
$200,000.00 + |
1.98% |
2.00% |
|
|
18 month |
$1,000.00 - $9,999.99 |
1.74% |
1.75% |
|
$10,000.00 - $24,999.99 |
1.79% |
1.80% |
|
|
$25,000.00 - $49,999.99 |
1.83% |
1.85% |
|
|
$50,000.00 - $99,999.99 |
1.88% |
1.90% |
|
|
$100,000.00 - $199,999.99 |
1.93% |
1.95% |
|
|
$200,000.00+ |
1.98% |
2.00% |
|
|
24 month |
$1,000.00 – $9,999.99 |
2.72% |
2.75% |
|
$10,000.00 – $24,999.99 |
2.76% |
2.80% |
|
|
$25,000.00 – $49,999.99 |
2.81% |
2.85% |
|
|
$50,000.00 – $99,999.99 |
2.86% |
2.90% |
|
|
$100,000.00 – $199,999.99 |
2.91% |
2.95% |
|
|
$200,000.00 + |
2.96% |
3.00% |
|
|
36 month |
$1,000.00 – $9,999.99 |
3.20% |
3.25% |
|
$10,000.00 – $24,999.99 |
3.25% |
3.30% |
|
|
$25,000.00 – $49,999.99 |
3.30% |
3.35% |
|
|
$50,000.00 – $99,999.99 |
3.35% |
3.40% |
|
|
$100,000.00 – $199,999.99 |
3.40% |
3.45% |
|
|
$200,000.00 + |
3.44% |
3.50% |
|
|
48 month |
$1,000.00 – $9,999.99 |
3.69% |
3.75% |
|
$10,000.00 – $24,999.99 |
3.74% |
3.80% |
|
|
$25,000.00 – $49,999.99 |
3.78% |
3.85% |
|
|
$50,000.00 – $99,999.99 |
3.83% |
3.90% |
|
|
$100,000.00 – $199,999.99 |
3.88% |
3.95% |
|
|
$200,000.00 + |
3.93% |
4.00% |
|
|
60 month |
$1,000.00 – $9,999.99 |
4.17% |
4.25% |
|
$10,000.00 – $24,999.99 |
4.22% |
4.30% |
|
|
$25,000.00 – $49,999.99 |
4.27% |
4.35% |
|
|
$50,000.00 – $99,999.99 |
4.31% |
4.40% |
|
|
$100,000.00 – $199,999.99 |
4.36% |
4.45% |
|
|
$200,000.00 + |
4.41% |
4.50% |
|
|
Account Type |
Bal. to Earn APY |
Dividend Rate |
APY |
|---|---|---|---|
|
Rates Effective: September 1, 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 |
6.78% |
7.00% |
|
$10,000.01 |
0.02% |
7.00% – 2.34% |
|
|
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 |
|
APR on Purchases |
APR on Balance Transfers |
APR on Cash Advances |
Annual Fee |
|---|---|---|---|
|
Rates Effective: April 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. |
|||
|
7.99% – 16.99% |
7.99% – 16.99% |
9.99% – 17.99% |
None |
|
APR on Purchases |
APR on Balance Transfers |
APR on Cash Advances |
Annual Fee |
|---|---|---|---|
|
Rates Effective: April 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. |
|||
|
9.99% – 17.99% |
9.99% – 17.99% |
11.99% – 17.99% |
None |
|
APR on Purchases |
APR on Balance Transfers |
APR on Cash Advances |
Annual Fee |
|---|---|---|---|
|
Rates Effective: April 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. |
|||
|
14.90% |
14.90% |
18.00% |
$25.00 |
|
Term |
APR as low as |
|---|---|
|
Rates Effective: October 23, 2024 You may qualify for 120 days 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, $25,000.00 loan at 8.99% APR. |
|
|
40 months |
3.99% |
|
52 months |
3.99% |
|
64 months |
3.99% |
|
76 months |
3.99% |
|
84 months |
5.49% |
|
Term |
APR as low as |
|---|---|
|
Rates Effective: May 1, 2024 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. |
|
|
64 months |
6.79% |
|
84 months |
7.29% |
|
120 months |
8.29% |
|
144 months |
8.49% |
|
180 months |
9.29% |
|
Term |
APR as low as |
|---|---|
|
Rates Effective: May 1, 2024 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. |
|
|
40 months |
6.49% |
|
64 months |
8.49% |
|
76 months |
9.99% |
|
84 months |
10.99% |
|
Term |
APR as low as |
|---|---|
|
Rates Effective: May 1, 2024 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. |
|
|
28 months |
6.99% |
|
40 months |
7.99% |
|
52 months |
8.99% |
|
70 months |
10.29% |
|
Term |
APR as low as |
|---|---|
|
Rates Effective: May 1, 2024 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. |
|
|
52 months |
5.79% |
|
64 months |
6.29% |
|
84 months |
6.79% |
|
96 months |
8.29% |
|
Term |
APR |
|---|---|
|
Rates Effective: November 1, 2024 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 |
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. |
|
|
N/A |
10.99% – 17.99% |
|
Term |
APR |
|---|---|
|
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. Estimated Monthly Payment Example: $78.38 a month based on a 13-month, $1,000.00 loan at 3.00% APR. |
|
|
13 or 25 months |
3.00% |
|
Term |
APR |
|---|---|
|
Rates Effective: September 1, 2022 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: $180.01 a month based on a 60-month, $10,000.00 loan at 3.02% APR. |
|
|
Up to 144 Months |
3.00% above index |
|
Mortgage |
For current rates and quick quotes, visit mortgages.mypcfcu.org. |
|
HELOC |
For current rates call us at 888.810.1148. |
|
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% |
|
Balance to Earn APY |
Dividend Rate |
Annual Percentage Yield |
|---|---|---|
|
Rates effective: July 1, 2024 Rates 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 |
0.50% |
0.50% |
|
$10,000.00 – $24,999.99 |
0.60% |
0.60% |
|
$25,000.00 – $49,999.99 |
0.70% |
0.70% |
|
$50,000.00 – $99,999.99 |
0.80% |
0.80% |
|
$100,000.00 – $199,999.99 |
0.90% |
0.90% |
|
$200,000.00 + |
1.00% |
1.00% |
|
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 |
|
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. |