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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of July 15, 2018. Fees may reduce earnings.


Share Accounts

Product Interest Rate APY
Power Shares 0.10% 0.10%
Christmas Club 0.10% 0.10%
Escrow 0.10% 0.10%
Secondary Shares 0.10% 0.10%
IRA Shares 0.20% 0.20%

Money MarketLearn More

Balance Interest Rate APY
$1,000 - $19,999 0.80% 0.50%
$20,000 - $49,999 0.90% 0.60%
$50,000+ 1.08% 0.70%

Share CertificatesLearn More

Term & Balance Dividend Rate APY
6 Months ($500 - $49,999.99) 1.40% 1.40%
6 Months ($50,000+) 1.50% 1.51%
1 Year ($500 - $49,999.99) 1.70% 1.71%
1 Year ($50,000+) 1.80% 1.81%
2 Years ($500 - $49,999.99) 2.10% 2.12%
2 Years ($50,000+) 2.20% 2.22%
3 Years ($500 - $49,999.99) 2.30% 2.32%
3 Years ($50,000+) 2.40% 2.42%
4 Years ($500 - $49,999.99) 2.50% 2.52%
4 Years ($50,000+) 2.60% 2.63%
5 Years ($500 - $49,999.99) 2.75% 2.78%
5 Years ($50,000+) 2.85% 2.88%

 

Minimum Balance is $500. All rates are subject to change. Share certificates can be set up to auto renew. Promotional certificates are not eligible for auto renewal. Early withdrawal penalties apply for certificates. PCU may match local competitor certificate rates up to .25%. Ask a PCU representative for availability and details.

Auto Loans (2015 & Newer)Learn More

Term APR
24 - 60 Months 3.49% - 17.99%
72 Months 3.99% - 10.49%
84 Months 4.99% - 7.74%

 

APR is based on credit history. Rates good for vehicles 2015 and newer. With approved credit. Based upon past credit history. All rates are subject to change without notice.

Auto Loans (2009 – 2014)Learn More

Term APR
24 - 60 Months 3.74% - 13.99%
72 Months 4.24% - 10.74%

 

APR is based on credit history. Rates good for vehicles 2009 - 2014. With approved credit. Based upon past credit history. All rates are subject to change without notice.

Auto Loans (2008 & Older)Learn More

Term APR
24 - 48 Months 4.74% - 19.49%
60 Months** 5.24% - 15.49%

 

APR is based on credit history.

**LTV over 95% add .50% to rate

Recreational Vehicles (2009 & Newer)Learn More

Term APR
24 - 48 Months 4.24% - 18.99%
60 Months 4.24% - 14.74%
72 Months 4.74% - 11.49%
84 Months 4.99% - 7.99%
96 Months 5.24% - 8.24%
120 Months 5.74% - 8.75%

*Collateral 07 and Older Add 1% To The Above Rates

Recreational Vehicles (2008 & Older)Learn More

Term APR
24 - 48 Months 5.49% - 18.99%
60 Months* 5.49% - 15.99%

Personal Term Loans (Unsecured/Signature)Learn More

Term 730+
Credit Score
729 - 680
Credit Score
679 - 650
Credit Score
649 - 620
Credit Score
619 - 590
Credit Score
<589
Credit Score
Up to 60 Months 10.24% 10.49% 11.74% 13.74% 17.74% 21.99%

 

VISA® Credit CardsLearn More

730+
Credit Score
729 - 680
Credit Score
679 - 650
Credit Score
649 - 620
Credit Score
619 - 590
Credit Score
<589
Credit Score
8.90% 10.40% 11.40% 13.40% 17.40% 21.99***

***Secured VISA® Only.

Personal Line of Credit

730+
Credit Score
729 - 680
Credit Score
679 - 650
Credit Score
649 - 620
Credit Score
619 - 590
Credit Score
<589
Credit Score
Prime* + 2.5% Prime* + 4.00% Prime* + 5.00% Prime* + 7.00% Prime* + 13.00% Prime* + 13.00%

Floor Rate is 4.90%. Prime Rate is 5.00%

*Index is equal to the greater of Wall Street Journal Prime or Floor Rate

Home Equity Lines of Credit Learn More

  730+
Credit Score
729 - 680
Credit Score
679 - 650
Credit Score
649 - 620
Credit Score
619 - 590
Credit Score
<589
Credit Score
<60% Index* Index* Index* + 1.00% Index* + 2.00% Index* + 3.00% Index* + 6.00%
60% - 69% Index* Index* Index* + 1.00% Index* + 3.00% N/A N/A
70% - 80% Index* Index* Index* + 1.00% Index* + 4.00% N/A N/A

*Index is equal to the greater of Wall Street Journal Prime or Floor Rate Floor Rate - 3.90% Prime Rate – 5.00%

Fixed Home Equity Loans – 1st and 2nd PositionLearn More

1st Position

Term APR
10 Years 4.30% - 6.30%
15 Years 4.40% - 6.40%

1st Position - CU Refinance

Term APR
10 Years 4.30% - 6.30%
15 Years 4.40% - 6.40%

2nd Position

Term APR
10 Years 5.30% - 7.30%
15 Years 5.40% - 7.40%

2nd Position - CU Refinance

Term APR
10 Years 6.15% - 7.00%
15 Years 6.15% - 7.00%

*Rate Is Based on Prime or Floor Rate Whichever Is Higher.

Payment does not include taxes and insurance premiums. Some state and county maximum loan amount restrictions may apply. Rates can vary based on risk factors which include but are not limited to LTV, credit score, and debt to income ratio. Loan approval, Annual Percentage Rate (APR), and down payment required based on creditworthiness, amount financed, and ability to repay. Rates, terms, and conditions are subject to change. Subject to 1% or $499.00 origination fee. Consult a tax advisor regarding deductibility of interest.

*Requires Additional Lending Authority

**Rate Is Based on Prime or Floor Rate Whichever Is Higher