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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of April 2021. Fees may reduce earnings.


Share Accounts

Product Dividend Rate APY
Power Shares 0.05% 0.05%
Christmas Club 0.10% 0.10%
Escrow 0.10% 0.10%
Secondary Shares 0.10% 0.10%
IRA Shares 0.10% 0.10%

Money Market Learn More

Balance Dividend Rate APY
$1,000 - $9,999.99 0.15% 0.15%
$10,000 - $24,999.99 0.20% 0.20%
$25,000 - $49,999.99 0.25% 0.25%
$50,000 - $99,999.99 0.30% 0.30%
$100,000+ 0.30% 0.30%

Share Certificates Learn More

Term & Balance Dividend Rate APY
6 Months ($500 - $49,999.99) .40% .40%
6 Months ($50,000+) .50% .50%
1 Year ($500 - $49,999.99) .45% .45%
1 Year ($50,000+) .55% .55%
2 Years ($500 - $49,999.99) .50% .50%
2 Years ($50,000+) .60% .60%
3 Years ($500 - $49,999.99) .60% .60%
3 Years ($50,000+) .70% .70%
4 Years ($500 - $49,999.99) .70% .70%
4 Years ($50,000+) .80% .80%
5 Years ($500 - $49,999.99) .85% .85%
5 Years ($50,000+) .95% .95%

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 Learn More

Term APR
24 - 60 Months 2.50% - 21.99%
72 Months 3.50% - 21.99%
84 Months 4.50% - 21.99%

*Rate may vary based on credit history and other qualifications. 

APR is based on credit history. Rates good for most vehicles, with approved credit. Based upon past credit history. All rates are subject to change without notice.

Recreational Vehicles (2012 & 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% - 8.74%

*Collateral 2012 and Older Add 1% To The Above Rates

Recreational Vehicles (2011 & 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
24 Months 7.49% 8.24% 9.49% 11.49% 15.49% 19.74%
36 Months 7.49% 8.24% 9.49% 11.49% 15.49% 19.74%
48 Months 7.49% 8.24% 9.49% 11.49% 15.49% 19.74%
60 Months 7.99% 8.74% 9.99% 11.99% 15.99% 20.24%

VISA® Credit Cards Learn 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% 21.90***

***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%

*Rate may vary based on credit history and other qualifications. 

Floor Rate is 4.90%. Prime Rate is 3.25%

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

Home Equity Lines of Credit Learn More

LTV 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% N/A N/A
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 – 3.25%

Fixed Home Equity Loans - 1st Position Learn More

Term APR
10 Years 3.00% - 4.50%
15 Years 3.25% - 4.75%

Fixed Home Equity Loans - 1st Position - CU Refinance Learn More

Term APR
10 Years 3.00% - 4.50%
15 Years 3.25% - 4.75%

Fixed Home Equity Loans - 2nd Position Learn More

Term APR
10 Years 4.00% - 6.00%
15 Years 4.25% - 6.25%

Fixed Home Equity Loans - 2nd Position - CU Refinance Learn More

Term APR
10 Years 4.00% - 6.00%
15 Years 4.25% - 6.25%

*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