Loan rates
| Product | Term | Rate - APR |
|---|---|---|
| Visa Credit Card | payment = 3% of balance | 11.99% |
| Vehicle | 0 to 36 months | As low as 5.99% |
| Vehicle | 37 to 60 months | As low as 5.99% |
| Vehicles | 61 to 72 months | As low as 5.99% |
| Used Vehicle | 0 to 60 months | As low as 5.99% |
| Motorcycle | 0 to 60 months | As low as 6.25% |
| Unsecured | 1 - 24 months | As low as 8.75% |
| Unsecured | 25 - 36 months | As low as 9.25% |
| Unsecured | 37 - 48 months | As low as 9.75% |
| Unsecured | 49 - 60 months | As low as 10.25% |
| Share Secured | 0 - 60 months | 5.50% |
| Share Secured Variable | 0 - 120 months | 5.50%** |
| Share Certificate Secured Variable | 0 -120 months | Current CD Rate +2% (not less than 5.50%) |
| Home Equity | 1 - 60 months | As low as 6.25%* |
| Home Equity | 61 - 120 months | As low as 6.50%* |
| Home Equity | 121 - 180 months | As low as 6.75%* |
| Home Equity Line-Of-Credit Variable | 1 - 180 months | $25.00 yearly fee + 5.00%* |
All rates assume an automatic payment from a PCFCU savings or checking account. Your rate will be determined by the term of your loan, the value of collateral and an analysis of your credit. **Rate can change during the course of the loan based on index. *Home Equity loans that exceed 80% but not more than 90% of the loan-to-value, add .5% for terms up to 120 months and add 1% for terms 121 - 180 months. Rates are subject to change without notice.
Dividend Rates
| Account Name | Min. Balance to Earn Dividends | Rate - APR | APY |
|---|---|---|---|
| Regular Shares | $10.00 | .75% | .75% |
| Seconday Shares | $5.00 | .75% | .75% |
| Holiday Savings | $5.00 | .75% | .75% |
| IRA Accumulation | $5.00 | 1.25% | 1.26% |
| Basic Money Market* | $1000.00 | 1.00% | 1.00% |
| Super Money Market* | $5000.00 | 1.50% | 1.51% |
APR is Annual Percentage Rate, APY is Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are credited to your account and compounded every quarter. *Accounts compounded monthly. This schedule is incorporated as a part of your account agreement with Parkview Community Federal Credit Union. **All savings rates are variable, this means the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors.
Share and IRA Certificates
| Term | Minimum Balance | Rate - APR | APY |
|---|---|---|---|
| 6 Month Youth | $25.00 | 1.55% | 1.56% |
| 6 Month* | $1000.00 | 2.60% | 2.63% |
| 12 Month* | $1000.00 | 2.75% | 2.79% |
| 18 Month* | $1000.00 | 2.90% | 2.94% |
| 24 Month* | $1000.00 | 3.00% | 3.04% |
| 36 Month* | $1000.00 | 3.25% | 3.30% |
*Rates shown reflect a 0.25% increase providing you have a PCFCU Checking Plus account. APR is Annual Percentage Rate, APY is Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Share certificate rates remain fixed for the term of the certificate. Dividends will be credited to your account and compounded monthly, unless otherwise requested. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity.
Rates subject to change.
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