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Rates

Consumer Deposit Products

Passbook and Statement Savings
Effective Date: 06/01/2018
TermDividend RateAPY*Minimum Opening Balance
Less than $2,500 0.05% 0.05% $10.00
$2,500 to less than $25,000 0.05% 0.05% $10.00
$25,000 to less than $50,000 0.05% 0.05% $10.00
$50,000 to less than $100,000 0.05% 0.05% $10.00
$100,000 to less than $250,000 0.05% 0.05% $10.00
$250,000 and over 0.05% 0.05% $10.00
*APY - Annual Percentage Yield; All rates are subject to change without prior notice.

IRA and ESA Savings
Effective Date: 06/01/2018
TermDividend RateAPY*Minimum Opening Balance
Less than $2,500 0.05% 0.05% $250.00
$2,500 to less than $25,000 0.05% 0.05% $250.00
$25,000 to less than $50,000 0.05% 0.05% $250.00
$50,000 to less than $100,000 0.05% 0.05% $250.00
$100,000 to less than $250,000 0.05% 0.05% $250.00
$250,000 and over 0.05% 0.05% $250.00
*APY - Annual Percentage Yield; All rates are subject to change without prior notice.

Checking
Effective Date: 06/01/2018
TermDividend RateAPY*Minimum Opening Balance
Share Draft 0.01% 0.01% $25.00
*APY - Annual Percentage Yield. All rates are subject to change without prior notice. Minimum to earn disclosed APY - $1,500

Money Market
Effective Date: 06/01/2018
TermDividend RateAPY*Minimum Opening Balance
Less than $2,500 0.00% 0.00% $2,500.00
$2,500 to less than $25,000 0.05% 0.05% $2,500.00
$25,000 to less than $50,000 0.05% 0.05% $2,500.00
$50,000 to less than $100,000 0.05% 0.05% $2,500.00
$100,000 to less than $250,000 0.05% 0.05% $2,500.00
$250,000 and over 0.05% 0.05% $2,500.00
*APY - Annual Percentage Yield; **Minimum to earn disclosed APY - $2,500; All rates are subject to change without prior notice.

Club and Goal Accounts
Effective Date: Sunday, November 18th, 2018
TermDividend RateAPY*Minimum Opening Balance
Holiday and Vacation Clubs 0.05% 0.05% $10.00
Goal Accounts 0.05% 0.05% $5.00
*APY - Annual Percentage Yield; All rates are subject to change without prior notice.

 

Term Share/IRA/ESA Accounts

IRA Includes Traditional, Roth, SEP and SIMPLE IRA's

Term Share Account: $500 - $49,999
Effective Date: 11/01/2018
TermDividend RateAPY*
5 years 2.08% 2.10%
4 years 1.65% 1.66%
3 years 1.50% 1.51%
30 months 1.40% 1.41%
2 years 1.30% 1.31%
18 months 1.20% 1.21%
1 year 1.00% 1.01%
9 months 0.50% 0.50%
6 months 0.40% 0.40%
3 months 0.30% 0.30%
*APY - Annual Percentage Yield; Minimum to earn disclosed APY - $500. Early withdrawal penalties may apply. See 'Truth In Savings Disclosure' for further details. All rates are subject to change without prior notice.

Term Share Account: $50,000 - $89,999
Effective Date: 11/01/2018
TermDividend RateAPY*
5 years 2.08% 2.10%
4 years 1.65% 1.66%
3 years 1.50% 1.51%
30 months 1.40% 1.41%
2 years 1.30% 1.31%
18 months 1.20% 1.21%
1 year 1.00% 1.01%
9 months 0.50% 0.50%
6 months 0.40% 0.40%
3 months 0.30% 0.30%
*APY - Annual Percentage Yield; Minimum to earn disclosed APY - $500. Early withdrawal penalties may apply. All rates are subject to change without prior notice.

Term Share Account: $90,000 and over
Effective Date: 11/01/2018
TermDividend RateAPY*
5 years 2.08% 2.10%
4 years 1.65% 1.66%
3 years 1.50% 1.51%
30 months 1.40% 1.41%
2 years 1.30% 1.30%
18 months 1.20% 1.21%
1 year 1.00% 1.01%
9 months 0.50% 0.50%
6 months 0.40% 0.40%
3 months 0.30% 0.30%
*APY - Annual Percentage Yield; Minimum to earn disclosed APY - $500. Early withdrawal penalties may apply. All rates are subject to change without prior notice.

 

Business Deposit Products
Business Share Accounts
Effective Date: 06/01/2018
Share TypeDividend RateAPY*Minimum Opening Balance
Business Savings Accounts 0.05% 0.05% $10.00
Standard Business Checking 0.01% 0.01% $100.00
Plus Business Checking 0.05% 0.05% $100.00
Business Checking for Non-Profits 0.01% 0.01% $100.00
Business Money Market ($2,500-$9,999) 0.05% 0.05% $2,500.00
Business Money Market ($10,000-$24,999) 0.05% 0.05% $10,000.00
Business Money Market ($25,000 and Over) 0.05% 0.05% $25,000.00
*APY - Annual Percentage Yield. All rates are subject to change without prior notice.

Business Term Share Accounts

Term Share Account: $500 - $49,999
Effective Date: 11/01/2018
TermDividend RateAPY*
6 months 0.40% 0.40%
9 months 0.50% 0.50%
1 year 1.00% 1.01%
*APY - Annual Percentage Yield; Minimum to earn disclosed APY - $500. Early withdrawal penalties may apply. All rates are subject to change without prior notice.

Term Share Account: $50,000 - $89,999
Effective Date: 11/01/2018
TermDividend RateAPY*
6 months 0.40% 0.40%
9 months 0.50% 0.50%
1 year 1.00% 1.01%
*APY - Annual Percentage Yield; Minimum to earn disclosed APY - $500. Early withdrawal penalties may apply. All rates are subject to change without prior notice.

Term Share Account: $90,000 and over
Effective Date: 11/01/2018
TermDividend RateAPY*
6 months 0.40% 0.40%
9 months 0.50% 0.50%
1 year 1.00% 1.01%
*APY - Annual Percentage Yield; Minimum to earn disclosed APY - $500. Early withdrawal penalties may apply. All rates are subject to change without prior notice.

Mortgages

Residential Mortgages

1-4 Family Properties, Fixed Rate
Effective Date: 11/16/2018
TermRate as low as *APR as low as **
30 years 5.125% 5.125%
20 years 4.750% 4.750%
15 years 4.500% 4.500%
10 years 4.375% 4.375%

* The rate you receive will be based upon your credit history, collateral, and loan characteristics.

** APR - Annual Percentage Rate.

1-4 Family Properties, Adjustable Rate
Effective Date: 11/16/2018
30 year loan term and amortization. Rate cannot change more than 2% per year and 6% during the life of the loan.
Initial Fixed Interest Rate PeriodRate as low as*APR as low as**
10 years 4.250% 5.171%
7 years 4.000% 5.168%
5 years 3.875% 5.229%
3 years 3.375% 5.283%
1 year 3.375% 5.188%

* The rate you receive will be based upon your credit history, collateral, and loan characteristics.

** APR - Annual Percentage Rate.

Commercial Mortgages

1-4 Units, Fixed Rate
Effective Date: 11/16/2018
TermRate as low as*APR as low as**
15 years 5.500% 5.500%
10 years 5.375% 5.375%

* The rate you receive will be based upon your credit history, collateral, and loan characteristics.

** APR - Annual Percentage Rate.

1-4 Units, Adjustable Rate
Effective Date: 11/16/2018
15 year baloon loans with 30 year amortization. Rate cannot change more than 2% per year and 6% during the life of the loan; it will never go below the initial rate.
Initial Fixed Interest Rate PeriodRate as low as*APR as low as**
5 years 4.500% 5.458%
3 years 4.000% 5.567%
1 year 4.000% 5.625%

* The rate you receive will be based upon your credit history, collateral, and loan characteristics.

** APR - Annual Percentage Rate.

5-8 Units, Adjustable Rate
Effective Date: 11/16/2018
15 year baloon loans with 30 year amortization. Rate cannot change more than 2% per year and 6% during the life of the loan; it will never go below the initial rate.
Initial Fixed Interest Rate PeriodRate as low as*APR as low as**
5 years 4.750% 5.708%
3 years 4.250% 5.817%
1 year 4.250% 5.875%

* The rate you receive will be based upon your credit history, collateral, and loan characteristics.

** APR - Annual Percentage Rate.

Home Equity Line of Credit

1-4 Family Properties, Variable Rate
Effective Date: 11/16/2018
Rate is based on Prime Rate.
TermRate as low as*APR as low as**
25 years (10 years draw period with 15 years repayment) 4.500% 4.750%

* The rate you receive will be based upon your credit history, collateral, and loan characteristics.

** APR - Annual Percentage Rate.

Consumer Loans
Credit Cards
Effective Date: 11/16/2018
Card TypeAPR as low as*Credit LimitAnnual Fees
PSFCU Visa Elite 13.990% up to $30,000 None
PSFCU Visa Premier 11.990% up to $30,000 None
PSFCU Visa Advantage 9.990% up to $30,000 None
PSFCU Visa Liberty 12.990% up to $2,000 None
PSFCU Visa Choice 16.990% up to $10,000 None
*The rate you receive will be based upon your credit history, collateral, and loan characteristics. APR - Annual Percentage Rate.

New Auto Loan
Effective Date: 11/16/2018
TermRate as low as*APR as low as**
7 years 3.700% 3.700%
6 years 3.250% 3.250%
5 years 2.700% 2.700%
4 years 2.400% 2.400%
3 years 1.990% 1.990%
2 years 1.990% 1.990%
1 year 1.990% 1.990%

* The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.

** APR - Annual Percentage Rate

Used Auto Loans
Effective Date: 11/16/2018
TermRate as low as*APR as low as**
7 years*** 4.250% 4.250%
6 years*** 3.750% 3.750%
5 years 3.250% 3.250%
4 years 2.750% 2.750%
3 years 2.500% 2.500%
2 years 2.500% 2.500%
1 year 2.500% 2.500%

* The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.

** APR - Annual Percentage Rate.

***Available only for cars up to 3 years old.

Boat Loan
Effective Date: 11/16/2018
Product/CategoryRate as low as*APR as low as**
New Boat Loan
(term up to 7 years)
6.250% 6.250%
Used Boat Loan
(term up to 5 years)
7.250% 7.250%

* The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.

** APR - Annual Percentage Rate

Motorcycle Loan
Effective Date: 11/16/2018
Product/CategoryRate as low as*APR as low as**
New Motorcycle Loan
(term up to 5 years)
7.000% 7.000%
Used Motorcycle Loan
(term up to 5 years)
7.500% 7.500%

* The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.

** APR - Annual Percentage Rate

Additional Loan Products
Effective Date: 11/16/2018
Product/CategoryRate as low as*APR as low as**Notes
Personal Loan 11.490% 11.490% Up to 5 years
Share Secured Loan 2.250%*** 2.500% Up to 7 years
Checking Line of Credit 9.750% 9.750%  

* The rate you receive will be based upon your credit history, collateral, and loan character.

The above interest rates listed for a Personal Loan apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.

** APR - Annual Percentage Rate

*** The rate equals to the Savings/Money Market/CD share rate + 2.250%

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Auto Loans
as low as

1.990%

 

PSFCU VISA credit cards as low as

9.990%

Mortgage Loans
as low as

3.375%

Personal Loans
as low as

11.490%

RATES, TERMS & CONDITIONS
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