|
Click here
for Loan Rates
|
Deposit Rates |
(Rates Effective
6/01/2010) |
|
Rates are subject to change at any
time. Federally Insure by the NCUA.
APY = Annual Percentage Yield. For additional rate information, please
contact
us. |
|
Share Savings Accounts |
| Type of Account |
Minimum
Balance |
Dividend
Rate |
APY |
| Shares* |
$5 - $99
$100 + |
0.00%
0.75% |
0.00%
0.75% |
|
Rewards Savings
|
Up to $500.00
$500.01 + |
7.25%
0.75% |
7.50%
0.75% |
| Super Shares** |
$2,500 to $24,999
$25,000 + |
1.00%
1.24% |
1.00%
1.25% |
| Top Ten Shares*** |
$5000 - $49,999
$50,000 + |
1.24%
1.49% |
1.25%
1.50% |
| Share Draft (Checking) |
$1 - 2499
$2500 + |
0.00%
0.25% |
0.00%
0.25% |
| Christmas Club |
$5 - 24
$25 + |
0.00%
1.49% |
0.00%
1.50% |
|
Health
Savings Account |
$5 - $99
$100 + |
0.0%
1.49% |
0.0%
1.50% |
IRA Share
Traditional, Roth & Education |
$5 - 99
$100 + 49,999
$50,000 + |
0.00%
1.24%
1.49% |
0.00%
1.25%
1.50% |
* Life insurance on Shares above
$1000-restrictions apply-contact us for details.
**If balance is below $2500, the dividend rate will be equal to the Share
rate.
*** If balance is below $5000, the dividend rate will be equal to the Share rate.
Share Savings Accounts are variable rate accounts which
means the rate may change after the account is opened. Dividends
will be calculated using the average daily balance for the statement
period method and posted to the above share accounts monthly. Please
contact the credit union for further information.
|
|
Share
Certificates |
| Minimum
Balance |
Term |
Dividend
Rate |
APY |
| $500 Min. |
3 Month |
1.24% |
1.25% |
| $500 Min. |
6 Month |
1.24% |
1.25% |
|
$500 Min. |
7 Month |
1.39% |
1.40%
|
| $500 Min. |
9 Month |
1.39% |
1.40% |
| $500 Min. |
12 Month |
1.59% |
1.60% |
| $500 Min. |
15 Month |
1.74% |
1.75% |
| $500 Min. |
18 Month |
1.74% |
1.75% |
| $500 Min. |
24 Month |
1.98% |
2.00% |
| $500 Min. |
30 Month |
2.08% |
2.10% |
| $500 Min. |
36 Month |
2.23% |
2.25% |
| $500 Min. |
48 Month |
2.33% |
2.35% |
| Penalty for early withdrawal - 90
day penalty on Certificates less than 1 year - 180 day penalty on
Certificates 1 year or greater. |
IRA Certificates
|
| Minimum
Balance |
Term |
Dividend
Rate |
APY |
| $500 Min. |
6 Month |
1.24% |
1.25% |
| $500 Min. |
12 Month |
1.59% |
1.60% |
| $500 Min. |
18 Month |
1.74% |
1.75% |
| $500 Min. |
24 Month |
1.98% |
2.00% |
| $500 Min. |
30 Month |
2.08% |
2.10% |
| $500 Min. |
36 Month |
2.23% |
2.25% |
| $500 Min. |
48 Month |
2.33% |
2.35% |
| Penalty for early withdrawal - 90
day penalty on Certificates less than 1 year - 180 day penalty on
Certificates 1 year or greater. |
Dividends are earned daily and posted monthly to all
accounts. APY = Annual Percentage Yield. Rates and terms are subject
to change without notice. Penalty for early withdrawal on term share
certificate accounts. Fees could reduce earnings. The minimum requirement for obtaining membership is
a $5.00 deposit in a Regular
Share Savings. Federally Insured by the NCUA.
Click
here for Deposit Rates
| Fixed
Rate First Mortgage Real Estate Loans |
| Rates as low as... |
Rate |
APR |
| 30 Year Loan $100,000 and over |
4.500% |
4.533% |
| 30 Year Loan Up to $100,000 |
4.500% |
4.537% |
| 20 Year Loan $100,000 and over |
4.500% |
4.546% |
| 20 Year Loan Up to $100,000 |
4.500% |
4.551% |
| 15 Year Loan $100,000 and over |
3.875% |
3.933% |
| 15 Year Loan Up to $100,000 |
4.000% |
4.064% |
| Your APR may
vary based on your loan amount, term, credit score, and finance charges. *Important Rate Notice - If one borrower
has a credit score of 740 or less, and the LTV is > 70%; the above rate may
increase by as much as .75%. This is a Fanniemae/Freddiemac
requirement. Please call a PCMCU
mortgage loan officer for an accurate quote. Rates are subject to
change without notice. |
| First
Mortgage Real Estate Loans |
| In-House 3 Year ARM |
5.50%
95% Max LTV |
5.505% APR |
Fixed rate and low
down payment mortgages are also available -- Please
contact a loan officer for more information. Members with credit
scores of 635 or less may be charged a 1% higher rate.
If the down payment is less than 20%, mortgage insurance may be needed
which could increase the payment and APR. In order to receive a
guaranteed rate, an application must be submitted and an agreement must be
signed by you officially locking the rate. Mortgage applications are
available at the credit union. This loan is sold to the
secondary mortgage market. Rates are subject to change daily without
notice. Contact us for details. |
| Construction
Loans |
| 6 Month Loan |
5.50% APR |
| Home Equity Loans |
| 80% Loan to Value |
5.75% |
5.763% APR |
| Payment equals 1.5% of the
outstanding balance or $50; whichever is greater. |
|
Home Equity Line Of Credit |
80% Loan to Value- Variable Rate
Minimum APR = 5.00% Maximum APR = 11% |
Prime + 0%
|
|
Please contact the credit union, as certain closing costs may apply. Contact your tax advisor to determine if your interest will be tax
deductible. |
|
Brilliant Deduction Line of Credit |
8.90% - $10,000 Maximum -- Call for details
Payment equals 2% of the outstanding balance or $50;
whichever is greater. |
|
New Rates
As Low As... |
|
|
New
- 2009 Collateral Loan Rates*
Annual Percentage Rates were determined using a
10% down payment. The APR may be affected by a change in the loan to
value amount. |
| 36 Months |
3.99% APR |
| 48 Months |
4.50% APR |
| 60 Months |
4.75% APR |
| 72 Months |
4.99% APR |
*Add *Add 1% to rate if less than 10% down
*Add 1% to rate if credit score is 635 or less
*Add .25% to rate if not an Rewards accountholder |
Used
Collateral Loan Rates (2008 & older)**
Annual Percentage Rates were determined using a
10% down payment. The APR may be affected by a change in the loan to
value amount. |
| 36 Months |
4.75% APR |
| 48 Months |
4.99% APR |
| 60 Months |
5.25% APR |
**Add 1% to rate if less than 10% down
**Add 1% to rate if collateral value is less than $7500
**Add 1% to rate if credit score is 635 or less
**Add .25% to rate if not an Rewards accountholder |
| Loans Secured By Savings |
| 100% Secured by Shares 1YR Max |
3.90% APR |
100% Secured by Super Shares
1 YR Max |
4.90% APR |
| 100% Secured by CD/Maximum to CD Maturity |
2.00% Spread Over CD Rate |
| Signature
Loans |
| Signature Loans - Ask for details |
9.90% APR |
| Kwik Cash Loans - Ask for details |
9.90% APR |
A Payment Protection Plan including Life and Disability
Insurance is available on most loans-
Contact us for details!
*NEW* We now offer Major Mechanical Protection Coverage to help protect your new
vehicle.
PCM Employees Credit Union does business in accordance with
the Federal Fair Housing Law and
Equal Opportunity Credit Acts.
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