Rates & Fees
|
Balance and Requirements |
Dividend Rate |
Annual Percentage Yield |
|---|---|---|
|
$0 up to $10,000.00 (Requirements met) |
3.94% |
4.00% |
|
$0 up to $10,000.00 (Requirements not met) |
0.01% |
0.01% |
|
$10,000.01 and up (Requirements met or not met) |
No dividend paid |
No dividend paid |
|
Rates effective as of Nov 1, 2024 DIVIDENDS are declared and paid monthly and calculated on the average daily balance. To earn Vista’s premium dividend on the first $10,000 in the account, you must use your cash/check (debit) card for 15 purchase transactions (minimum of $5 each) and be enrolled in e- statements. For qualification purposes, a month is defined as the last day of the month to the day before the last day of the next month. APYE calculated and shown on the periodic statements is based on the dividend limitations shown above. |
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|
Balance and Requirements |
Dividend Rate |
Annual Percentage Yield |
|---|---|---|
|
$0 up to $10,000.00 (Requirements met) |
1.98% |
2.00% |
|
$0 up to $10,000.00 (Requirements not met) |
0.01% |
0.01% |
|
$10,000.01 and up (Requirements met or not met) |
No dividend paid |
No dividend paid |
|
Rates effective as of Nov 1, 2024 DIVIDENDS are declared and paid monthly and calculated on the average daily balance. To earn Vista’s premium dividend on the first $10,000 in the account, you must use your cash/check (debit) card for 15 purchase transactions (minimum of $5 each) and be enrolled in e- statements. For qualification purposes, a month is defined as the last day of the month to the day before the last day of the next month. APYE calculated and shown on the periodic statements is based on the dividend limitations shown above. |
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| N/A |
Dividend Rate |
Annual Percentage Yield |
|---|---|---|
|
Regular Shares, Save to Win, Christmas Club & Business Accounts |
0.05% |
0.05% |
|
Rates effective as of Nov 1, 2024 DIVIDENDS are declared and paid monthly and calculated on the average daily balance. To earn a dividend, your average daily balance must be $100 or higher. If your average daily balance is below $100.00 ($5.00 for accounts held by those under 18 years of age), no dividends are earned. A minimum of $5.00 is required to open and maintain an account. Save to Win shares are only available to members age 18 and above, and are subject to distinctive rules. |
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|
Average daily balance |
Dividend Rate |
Annual Percentage Yield |
|---|---|---|
|
$2,500 – $9,999.99 |
0.30% |
0.30% |
|
$10,000 - $24,999.99 |
0.35% |
0.35% |
|
$25,000 – $49,999.99 |
0.45% |
0.45% |
|
$50,000 - $99,999.99 |
0.65% |
0.65% |
|
$100,000 and up |
0.75% |
0.75% |
|
Rates effective as of Nov 1, 2024 DIVIDENDS are declared and paid monthly and calculated on the average daily balance. To earn a dividend, your average daily balance must be $2,500 or higher. If your average daily balance is below $2,500 no dividends are earned. Deposits and “in person” withdrawals are unlimited. Shares Plus checks are limited to six clearing your account per month, with a minimum of $500 per check.
|
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|
IRA Type |
APY* |
|---|---|
|
Basic Savings IRA |
0.20% / Dividend Rate - 0.20% |
|
Rates effective as of Nov 1, 2024 *Annual Percentage Yield. DIVIDENDS are declared and paid monthly and calculated on the average daily balance. |
|
|
Certificate Term |
Dividend Rate |
APY * |
Min. Balance ** |
|---|---|---|---|
|
6 Month Certificate |
3.552% |
3.60% |
$500 |
|
12 Month Certificate |
3.698% |
3.75% |
$500 |
|
12 Month Save To Win Certificate |
3.698% |
3.75% |
$25 |
|
18 Month Certificate |
2.869% |
2.90% |
$500 |
|
24 Month Certificate |
2.722% |
2.75% |
$500 |
|
26 Month Add-on Certificate |
2.231% |
2.25% |
$500 |
|
30 Month Bump-Rate Certificate |
2.231% |
2.25% |
$500 |
|
36 Month |
2.477% |
2.50% |
$500 |
|
48 Month Certificate |
2.477% |
2.50% |
$500 |
|
60 Month Certificate |
2.477% |
2.50% |
$500 |
|
Rates effective as of May 6, 2025. * APY = Annual Percentage Yield. IRA Certificates are available for all terms excluding Save to Win Certificates and Specials General Conditions: Rates. Certificate rates are subject to change on Tuesday morning of each week. The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal will reduce earnings. Edge Certificate rates only available to members 0-23 years of age. Certificate Rates remain fixed for the term of the certificate, excluding Bump Rate certificates. Save to Win certificates are only available to members age 18 and older. Dividends. Dividends are paid from current income and available earnings after providing for the required reserves. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. Crediting. Dividends will be credited quarterly. Once credited, dividends may be withdrawn without penalty. (IRA accounts and Save to Win certificates may be subject to other restrictions, see agreements for details.) Balance. The minimum balance required to open each certificate is set forth above. Dividends are calculated by the Daily Balance method, which applies a daily periodic rate to the principal. After your account is opened you may not make additional deposits to your account, except for Add-On Certificates and Save to Win Certificates. Additional deposits of $500.00* or more are permitted at any time during the initial term of the Add-On Certificates and additional deposits of any amount to Save to Win Certificates. Making additional deposits will not change the maturity date or other terms of the account. If the Add On Certificate or Save to Win Certificate is set to automatically renew, the Add On feature will continue for any renewal term. Accrual of Dividends. Dividends will begin to accrue on cash or noncash deposits (e.g. checks) on the business day you make the deposit to your certificate. Maturity. At maturity, your certificate will automatically be renewed into the closest to the original term not to exceed the original term, beginning on the maturity date set forth on your Certificate Disclosure Statement. You will receive a notice of renewal at least 20 days prior to maturity and you will have the opportunity to instruct the Credit Union if you wish to redeem the certificate during the renewal grace period as explained in the notice of renewal. Penalties. There are substantial penalties for early withdrawal of certificate funds. Early withdrawal of certificate funds is subject to a penalty of one half of the interest that would be earned over the original term of the certificate. The penalty is calculated on the amount withdrawn. Save to Win Certificates are subject to distinctive penalty rules. **Wherever $500 is stated, $100 applies for members 0-23 years of age. Please refer to your certificate disclosure form for specific details. ***Must bring a minimum of $2,500 in new money in order to receive the 7-month certificate rate.
Note: For all accounts listed, rates and terms are subject to change without notice. Earned dividends are paid on entire balance in the account. Accounts, other than certificates, must remain open to the end of the dividend period to be paid dividends. Fees and charges may apply (and may reduce earnings) on the above accounts. Please refer to the Fee Schedule for details. The Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union’s Board of Directors. Dividends are paid from current income and available earnings after providing for the required reserves and cannot be guaranteed. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period and can be viewed on the “Current Dividend Rates” and the “Current Certificate Rates” disclosures. Dividends will begin to accrue on the business day the deposit is made to the account. |
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|
Loan Type |
APR1 |
Maximum Rate |
|---|---|---|
|
VISA - Rewards |
13.75% |
18.00% |
|
VISA - Platinum |
11.75% |
18.00% |
|
VISA - Share Secured |
18.00% |
18.00% |
|
Rates Effective: Oct 1, 2025 1APR = Annual Percentage Rate. Rates range from 9.00% to 18.00%, are based on product type and creditworthiness, and will vary with the market based on the U.S. Prime Rate. Information is accurate as of 10/1/2024 and is subject to change. Maximum total transfer amount is limited to your approved credit line. Introductory offer applies to new accounts only. |
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|
Loan Type and Term** |
APR* |
Purchase / Refi*** |
Maximum Term |
Additional Terms |
|---|---|---|---|---|
|
Auto & Truck |
6.39% |
125% |
60 month |
Max mileage 150k / 200k Diesel |
|
Auto & Truck |
6.49% |
125% |
72 month |
Max mileage 150k / 200k Diesel |
|
Auto & Truck |
7.29% |
125% |
84 months |
Max mileage 150k / 200k Diesel |
|
Motorcycles |
6.39% |
125% |
60 months |
|
|
Motorcycles |
6.49% |
125% |
72 months |
Max term 72 months for motorcycle financing |
|
Rates effective as of Oct 1, 2025 Rates are subject to change without notice, except on loans presently in place and those with variable rates. Your actual rate and term will be determined according to how you’ve managed your credit. Note to Interest Rates (*) APR = Annual Percentage Rate. Rates are determined by applicant credit and vehicle mileage. Rates advertised may require a qualifying down payment and may not exceed established loan-to-value ratios for respective collateral. (**) The actual term available is based on the amount you are borrowing. The maximum available terms of repayment are displayed. Contact a MRC for additional details. (***) Values based on New or Used JD Power (NADA) Retail, KBB Retail, MSRP or appraisal. Auto purchase and refinance transactions may finance up to 130% plus tax, license, warranty & GAP. See a MRC for maximum allowable add-ons. All loans subject to underwriting and may require a down payment. (****) Rate determined by applicant credit. Prime rate is determined by the most recently published “Prime Rate” for corporate loans at large U.S. Money Commercial Banks as it appears in the Wall Street Journal under the heading “Money Rates” on the first business day of the month immediately preceding the change date. Floor rate 7% APR, maximum rate 18% APR. (*****) Rate will vary with the market based on the Prime Rate. (******) Offered to members establishing or re-establishing their credit. |
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|
Loan Type & Term** |
APR* |
Purchase / Refi*** |
Maximum Term |
Additional Terms |
|---|---|---|---|---|
|
RVs, Motor Homes, Boats |
8.09% |
110% |
84 months |
Limited to 15 years or newer & 150K miles or less. No minimum loan amount |
|
RVs, Motor Homes, Boats |
8.29% |
110% |
120 months |
Limited to 15 years or newer & 150K miles or less. Minimum loan amount $20,000 |
|
RVs, Motor Homes, Boats |
8.39% |
110% |
144 months |
Limited to 15 years or newer & 150K miles or less. Minimum loan amount $25,000 |
|
RVs, Motor Homes, Boats |
8.59% |
110% |
180 months |
Limited to 15 years or newer & 150K miles or less. Minimum loan amount $30,000 |
|
Rates effective as of Oct 1, 2025 Rates are subject to change without notice, except on loans presently in place and those with variable rates. Your actual rate and term will be determined according to how you’ve managed your credit. Note to Interest Rates (*) APR = Annual Percentage Rate. Rates are determined by applicant credit and vehicle mileage. Rates advertised may require a qualifying down payment and may not exceed established loan-to-value ratios for respective collateral. (**) The actual term available is based on the amount you are borrowing. The maximum available terms of repayment are displayed. Contact a MRC for additional details. (***) Values based on New or Used JD Power (NADA) Retail, KBB Retail, MSRP or appraisal. Auto purchase and refinance transactions may finance up to 130% plus tax, license, warranty & GAP. See a MRC for maximum allowable add-ons. All loans subject to underwriting and may require a down payment. (****) Rate determined by applicant credit. Prime rate is determined by the most recently published “Prime Rate” for corporate loans at large U.S. Money Commercial Banks as it appears in the Wall Street Journal under the heading “Money Rates” on the first business day of the month immediately preceding the change date. Floor rate 7% APR, maximum rate 18% APR. (*****) Rate will vary with the market based on the Prime Rate. (******) Offered to members establishing or re-establishing their credit. |
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|
Loan Term |
APR* (as low as) |
Loan-to-Value |
Additional Terms |
|---|---|---|---|
|
Up to 84 months |
8.09% |
85% |
|
|
Up to 120 months |
8.39% |
85% |
|
|
Up to 240 months |
8.90% |
100% |
Manufactured homes not eligible |
|
Up to 360 months |
9.58% |
100% |
Manufactured homes not eligible |
|
Rates effective as of Oct 1, 2025 * APR = Annual Percentage Rate. Rates based on term, Loan to Value, and creditworthiness. All offers, rates, and terms are subject to change at any time. membership eligibility and credit qualifications apply. Property must be located in Washington State. Property insurance required, flood insurance may be required. Ask about additional fees that may apply, including appraisal fees if required. |
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| N/A |
APR* |
Loan-to-Value |
Term |
Additional Terms |
|---|---|---|---|---|
|
Lo-Cap |
7.25% |
Up to 80% |
15-year draw, 20-year repayment |
Maximum loan amount $300,000 |
|
Lo-Cap Plus |
8.75% |
Up to 100% |
15-year draw, 20-year repayment |
Maximum loan amount $250,000 |
|
Rates effective as of Oct 1, 2025 * APR = Annual Percentage Rate. APR is variable and will adjust according to Prime Rate, as published in the Wall Street Journal. Prime Rate, Loan to Value and credit score determine actual APR and may vary between 7.25% APR and 11.99% APR. Minimum monthly payment will vary according to APR and balance of the line of credit. All offers, rates, and terms are subject to change at any time. Property must be located in Washington State. Property insurance required, flood insurance may be required. Ask about additional fees that may apply, including appraisal fees if required. |
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Home Loans
Find rates for our home loans at the following links:
- Fixed and ARM Mortgage Loans
- USDA Mortgage Loans
- FHA Mortgage Loans
- VA Mortgage Loans
- Lender Paid Mortgage Insurance
- No Closing Cost Fixed Rate Mortgage Loans
Land and Construction Loans
For more information and to apply online, click here.
|
Loan Type |
APR* |
Loan-to-Value |
Maximum Term** |
|---|---|---|---|
|
(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans |
10.64% |
N/A |
60 months |
|
(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans |
11.09% |
N/A |
72 months |
|
(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans |
11.84% |
$15,000 |
84 months |
|
Savings Secured |
3% above current savings rate |
100% |
120 months |
|
Certificate Secured |
3% above current certificate rate |
95% |
Not to exceed certificate term |
|
Personal Line of Credit |
****As low as prime 1% |
N/A |
N/A |
|
Rates effective as of Oct 1, 2025 Rates are subject to change without notice, except on loans presently in place and those with variable rates. Your actual rate and term will be determined according to how you’ve managed your credit. Note to Interest Rates (*) APR = Annual Percentage Rate. Rates are determined by applicant credit and vehicle mileage. Rates advertised may require a qualifying down payment and may not exceed established loan-to-value ratios for respective collateral. (**) The actual term available is based on the amount you are borrowing. The maximum available terms of repayment are displayed. Contact a MRC for additional details. (***) Values based on New or Used JD Power (NADA) Retail, KBB Retail, MSRP or appraisal. Auto purchase and refinance transactions may finance up to 130% plus tax, license, warranty & GAP. See a MRC for maximum allowable add-ons. All loans subject to underwriting and may require a down payment. (****) Rate determined by applicant credit. Prime rate is determined by the most recently published “Prime Rate” for corporate loans at large U.S. Money Commercial Banks as it appears in the Wall Street Journal under the heading “Money Rates” on the first business day of the month immediately preceding the change date. Floor rate 7% APR, maximum rate 18% APR. (*****) Rate will vary with the market based on the Prime Rate. (******) Offered to members establishing or re-establishing their credit. |
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Student Loans
|
Account |
Fee |
|---|---|
|
Vista Basic (assumes eStatement enrollment or direct deposit of $300 or more per month, otherwise $3) |
Free |
|
Vista Plus (assumes eStatement enrollment, otherwise $6) account no longer offered |
$3.00/month |
|
Vista Premier (assumes eStatement enrollment or direct deposit of $300 or more per month, otherwise $9) |
$6.00/month |
|
Shares Plus (if average balance falls below $2,500) |
$10.00/month |
|
Account |
Fee |
|---|---|
|
Vista Plus, Vista Premier (one design only - 1 box/year) |
Free |
|
Vista Basic (depends on style) |
Varies |
|
Business Checking (depends on style) |
Varies |
|
Service |
Fee |
|---|---|
|
Monthly Service Charge |
$10.00 |
|
First 20 Checks that Clear |
Free |
|
Each Check over 20 that Clears |
$0.10 |
|
Service |
Fee |
|---|---|
|
PCFCU ATM Transactions |
Free |
|
Non-PCFCU ATM Transactions |
|
|
Vista Basic, Plus, and Premier - (if monthly conditions met) |
Free up to $15 |
|
Vista Basic, Plus, and Premier - (if monthly conditions are not met) |
$1.00 ea |
|
Replacement Debit or Credit Card |
$10.00 ea |
|
ATM Insufficient Funds |
$30.00 ea |
|
Sales Draft Copies |
$6.00 ea |
|
International Service Assessment Fee – DEBIT |
2% of transaction |
|
International Service Assessment Fee – CREDIT |
1% of transaction |
|
(The International Transaction Fees apply to any debit or credit card transaction made at a location in a foreign country, or payable to a merchant located in a foreign country even if you initiate the transaction from within the United States) |
|
|
Service |
Fee |
|---|---|
|
Stop Payments |
$30.00 ea |
|
Insufficient Funds (per returned transaction) |
$28.00 ea |
|
Loan Payment Return (per loan payment returned) |
$30.00 ea |
|
Courtesy Pay Overdraft (per transaction greater than $5) |
$28.00 ea |
|
Courtesy Pay Overdraft (per transaction $5 or less) |
$5.00 ea |
|
Check Copies (free to e-Statement users) |
$5.00 ea |
|
Statement Copies |
$3.00 ea |
|
Automatic Overdraft Transfer |
$5.00 ea |
|
Inactive checking account fee (inactive 6 months or more) (balance less than $10) |
$10.00 |
|
Service |
Fee |
|---|---|
|
Electronic convenience payment fee |
$5.00 - $15.00 |
|
External Transfer Fee – Standard |
Free |
|
External Transfer Fee – Next Day |
$3.00 ea |
|
Service |
Fee |
|---|---|
|
Bill Payment Service |
Free |
|
Same Day Payments |
$9.95 ea |
|
Overnight Check Payment |
$14.95 ea |
|
Stop Payment Requests |
$30.00 ea |
|
Bill Payment Check Copy |
$20.00 ea |
|
Box Size |
Fee |
|---|---|
|
3 x 5 |
$30.00 |
|
5 x 5 |
$35.00 |
|
3 x 10 |
$45.00 |
|
5 x 10 |
$60.00 |
|
6 x 10 |
$60.00 |
|
9 x 10 |
$80.00 |
|
10 x 10 |
$100.00 |
|
Initial key deposit |
$10.00 |
|
Box drilling/lock change |
current locksmith charges |
|
Box size may vary by location Vista Plus and Vista Premier accounts receive 50% off annual rental fee. Note: NCUA does not insure safe deposit box contents |
|
|
Service |
Fee |
|---|---|
|
Individual Retirement Accounts (IRAs) |
$12.00 annual fee |
|
Teller Checks (no charge if payable to member or over $2,500) (Vista Plus, and Vista Premier – 3 free per month) |
$5.00 ea |
|
Research Fee per hour (1 hour minimum) |
$30.00/$50.00 legal |
|
Account Reconciliation per hour (1/2 hour min) |
$25.00/$35.00 legal |
|
Copy of statements, tax forms, printouts |
$3.00 |
|
Notary Service (per document) |
$5.00 |
|
Inactive Account (dormant 12 months or more) monthly fee |
$10.00 |
|
Dormant Account Unclaimed Property Processing |
$25.00 |
|
Early Account Closure (if closed within 90 days of opening) |
$5.00 |
|
Member check replacement for non-members (per item) |
$8.00 |
|
Outgoing Wire (Foreign) |
$40.00 |
|
Outgoing Wire (Domestic) |
$20.00 |
|
Incoming Wire (Domestic/Foreign) |
$15.00 |
|
Photocopies |
$0.25 ea |
|
Garnishment, Levy, Notice to Withhold (per notice) |
$75.00 |
|
Collection Items (per item Foreign & Domestic) |
$18.00 |
|
Invalid Address Account (monthly) |
$10.00 |
|
Coin Counting Fee (Vista Plus, Vista Premier, & Minors/Free) |
5% of Coin Processed Over $100 |
|
International ACH Transaction |
$15.00 ea |
|
Fees Effective January 12, 2024 As a non-profit financial cooperative, we believe all members have a responsibility to share reasonable cost. Any policies and/or rates stated herein are those in effect on date of publication and are subject to change. You will be notified of changes as required by law. Please take this opportunity to review PCFCU’s Privacy Policy and Terms and Conditions of Use. |
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