
RATES AND FEES
Balance and Requirements |
Dividend Rate |
Annual Percentage Yield |
---|---|---|
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 $0 up to $10,000.00 (Requirements met) |
Dividend Rate 3.94% |
Annual Percentage Yield 4.00% |
Balance and Requirements $0 up to $10,000.00 (Requirements not met) |
Dividend Rate 0.01% |
Annual Percentage Yield 0.01% |
Balance and Requirements $10,000.01 and up (Requirements met or not met) |
Dividend Rate No dividend paid |
Annual Percentage Yield No dividend paid |
Balance and Requirements |
Dividend Rate |
Annual Percentage Yield |
---|---|---|
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 $0 up to $10,000.00 (Requirements met) |
Dividend Rate 1.98% |
Annual Percentage Yield 2.00% |
Balance and Requirements $0 up to $10,000.00 (Requirements not met) |
Dividend Rate 0.01% |
Annual Percentage Yield 0.01% |
Balance and Requirements $10,000.01 and up (Requirements met or not met) |
Dividend Rate No dividend paid |
Annual Percentage Yield No dividend paid |
Dividend Rate |
Annual Percentage Yield |
|
---|---|---|
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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Regular Shares, Save to Win, Christmas Club & Business Accounts |
Dividend Rate 0.05% |
Annual Percentage Yield 0.05% |
Average Daily Balance |
Dividend Rate |
Annual Percentage Yield |
---|---|---|
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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Average Daily Balance $2,500 – $9,999.99 |
Dividend Rate 0.30% |
Annual Percentage Yield 0.30% |
Average Daily Balance $10,000 – $24,999.99 |
Dividend Rate 0.35% |
Annual Percentage Yield 0.35% |
Average Daily Balance $25,000 – $49,999.99 |
Dividend Rate 0.45% |
Annual Percentage Yield 0.45% |
Average Daily Balance $50,000 – $99,999.99 |
Dividend Rate 0.65% |
Annual Percentage Yield 0.65% |
Average Daily Balance $100,000 and up |
Dividend Rate 0.75% |
Annual Percentage Yield 0.75% |
IRA Type |
APY* |
---|---|
Rates effective as of Nov 1, 2024 *Annual Percentage Yield. DIVIDENDS are declared and paid monthly and calculated on the average daily balance. |
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IRA Type Basic Savings IRA |
APY* 0.20% / Dividend Rate – 0.20% |
Certificate Term |
Dividend Rate |
APY* |
Min. Balance** |
---|---|---|---|
Rates effective as of October 21, 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. 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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Certificate Term 6 Month Certificate |
Dividend Rate 3.552% |
APY* 3.60% |
Min. Balance** $500 |
Certificate Term 12 Month Certificate |
Dividend Rate 3.698% |
APY* 3.75% |
Min. Balance** $500 |
Certificate Term 12 Month Save To Win Certificate |
Dividend Rate 3.698% |
APY* 3.75% |
Min. Balance** $25 |
Certificate Term 18 Month Certificate |
Dividend Rate 2.869% |
APY* 3.00% |
Min. Balance** $500 |
Certificate Term 24 Month Certificate |
Dividend Rate 2.722% |
APY* 2.75% |
Min. Balance** $500 |
Certificate Term 26 Month Add-on Certificate |
Dividend Rate 2.231% |
APY* 2.25% |
Min. Balance** $500 |
Certificate Term 30 Month Bump-Rate Certificate |
Dividend Rate 2.231% |
APY* 2.25% |
Min. Balance** $500 |
Certificate Term 36 Month |
Dividend Rate 2.477% |
APY* 2.50% |
Min. Balance** $500 |
Certificate Term 48 Month Certificate |
Dividend Rate 2.477% |
APY* 2.50% |
Min. Balance** $500 |
Certificate Term 60 Month Certificate |
Dividend Rate 2.477% |
APY* 2.50% |
Min. Balance** $500 |
Loan Type |
APR1 |
Maximum Rate |
---|---|---|
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 VISA – Rewards |
APR1 13.75% |
Maximum Rate 18.00% |
Loan Type VISA – Platinum |
APR1 11.75% |
Maximum Rate 18.00% |
Loan Type VISA – Share Secured |
APR1 18.00% |
Maximum Rate 18.00% |
Loan Type and Term** |
APR* |
Purchase/Refi*** Loan-to-Value |
Maximum Term |
Additional Terms |
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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 and Term** Auto & Truck |
APR* 6.49% |
Purchase/Refi*** Loan-to-Value 125% |
Maximum Term 60 months |
Additional Terms Max mileage 150k / 200k Diesel |
Loan Type and Term** Auto & Truck |
APR* 6.69% |
Purchase/Refi*** Loan-to-Value 125% |
Maximum Term 72 months |
Additional Terms Max mileage 150k / 200k Diesel |
Loan Type and Term** Auto & Truck |
APR* 7.29% |
Purchase/Refi*** Loan-to-Value 125% |
Maximum Term 84 months |
Additional Terms Max mileage 150k / 200k Diesel |
Loan Type and Term** Motorcycles |
APR* 6.39% |
Purchase/Refi*** Loan-to-Value 125% |
Maximum Term 60 months |
Additional Terms |
Loan Type and Term** Motorcycles |
APR* 6.49% |
Purchase/Refi*** Loan-to-Value 125% |
Maximum Term 72 months |
Additional Terms Max term 72 months for motorcycle financing |
Loan Type & Term** |
APR* |
Purchase / Refi*** Loan-to-Value |
Maximum Term |
Additional Terms |
---|---|---|---|---|
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** RVs, Motor Homes, Boats |
APR* 8.09% |
Purchase / Refi*** Loan-to-Value 110% |
Maximum Term 84 months |
Additional Terms Limited to 15 years or newer & 150K miles or less. No minimum loan amount |
Loan Type & Term** RVs, Motor Homes, Boats |
APR* 8.29% |
Purchase / Refi*** Loan-to-Value 110% |
Maximum Term 120 months |
Additional Terms Limited to 15 years or newer & 150K miles or less. Minimum loan amount $20,000 |
Loan Type & Term** RVs, Motor Homes, Boats |
APR* 8.39% |
Purchase / Refi*** Loan-to-Value 110% |
Maximum Term 144 months |
Additional Terms Limited to 15 years or newer & 150K miles or less. Minimum loan amount $25,000 |
Loan Type & Term** RVs, Motor Homes, Boats |
APR* 8.59% |
Purchase / Refi*** Loan-to-Value 110% |
Maximum Term 180 months |
Additional Terms Limited to 15 years or newer & 150K miles or less. Minimum loan amount $30,000 |
Loan Term |
APR* (as low as) |
Loan-to-Value |
Additional Terms |
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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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Loan Term Up to 84 months |
APR* (as low as) 8.09% |
Loan-to-Value 85% |
Additional Terms |
Loan Term Up to 120 months |
APR* (as low as) 8.39% |
Loan-to-Value 85% |
Additional Terms |
Loan Term Up to 240 months |
APR* (as low as) 8.90% |
Loan-to-Value 100% |
Additional Terms Manufactured homes not eligible |
Loan Term Up to 360 months |
APR* (as low as) 9.58% |
Loan-to-Value 100% |
Additional Terms Manufactured homes not eligible |
APR* |
Loan-to-Value |
Term |
Additional Terms |
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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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Lo-Cap |
APR* 7.50% |
Loan-to-Value Up to 80% |
Term 15-year draw, 20-year repayment |
Additional Terms Maximum loan amount $300,000 |
Lo-Cap Plus |
APR* 8.75% |
Loan-to-Value Up to 100% |
Term 15-year draw, 20-year repayment |
Additional Terms Maximum loan amount $250,000 |
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** |
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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 (e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans |
APR* 10.64% |
Loan-to-Value N/A |
Maximum Term** 60 months |
Loan Type (e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans |
APR* 11.09% |
Loan-to-Value N/A |
Maximum Term** 72 months |
Loan Type (e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans |
APR* 11.84% |
Loan-to-Value $15,000 |
Maximum Term** 84 months |
Loan Type Savings Secured |
APR* 3% above current savings rate |
Loan-to-Value 100% |
Maximum Term** 120 months |
Loan Type Certificate Secured |
APR* 3% above current certificate rate |
Loan-to-Value 95% |
Maximum Term** Not to exceed certificate term |
Loan Type Personal Line of Credit |
APR* ****As low as prime 1% |
Loan-to-Value N/A |
Maximum Term** N/A |
Student Loans
Account |
Fee |
---|---|
Account Vista Basic (assumes eStatement enrollment or direct deposit of $300 or more per month, otherwise $3) |
Fee Free |
Account Vista Plus (assumes eStatement enrollment, otherwise $6) account no longer offered |
Fee $3.00/month |
Account Vista Premier (assumes eStatement enrollment or direct deposit of $300 or more per month, otherwise $9) |
Fee $6.00/month |
Account Shares Plus (if average balance falls below $2,500) |
Fee $10.00/month |
Account |
Fee |
---|---|
Account Vista Plus, Vista Premier (one design only – 1 box/year) |
Fee Free |
Account Vista Basic (depends on style) |
Fee Varies |
Account Business checking (depends on style) |
Fee Varies |
Service |
Fee |
---|---|
Service Monthly Service Charge |
Fee $10.00 |
Service First 20 Checks that Clear |
Fee Free |
Service Each Check over 20 that Clears |
Fee $0.10 |
Service |
Fee |
---|---|
(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) |
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Service PCFCU ATM Transactions |
Fee Free |
Service Non-PCFCU ATM Transactions |
Fee |
Service Vista Basic, Plus, and Premier – (if monthly conditions met) |
Fee Free up to $15 |
Service Vista Basic, Plus, and Premier – (if monthly conditions are not met) |
Fee $1.00 ea |
Service Replacement Debit or Credit Card |
Fee $10.00 ea |
Service ATM Insufficient Funds |
Fee $30.00 ea |
Service Sales Draft Copies |
Fee $6.00 ea |
Service International Service Assessment Fee – DEBIT |
Fee 2% of transaction |
Service International Service Assessment Fee – CREDIT |
Fee 1% of transaction |
Service |
Fee |
---|---|
Service Stop Payments |
Fee $30.00 ea |
Service Insufficient Funds (per returned transaction) |
Fee $30.00 ea |
Service Loan Payment Return (per loan payment returned) |
Fee $30.00 ea |
Service Courtesy Pay Overdraft (per transaction greater than $5) |
Fee $30.00 ea |
Service Courtesy Pay Overdraft (per transaction $5 or less) |
Fee $5.00 ea |
Service Check Copies (free to e-Statement users) |
Fee $5.00 ea |
Service Statement Copies |
Fee $3.00 ea |
Service Automatic Overdraft Transfer |
Fee $5.00 ea |
Service Inactive checking account fee (inactive 6 months or more) (balance less than $10) |
Fee $10.00 |
Service |
Fee |
---|---|
Service Electronic convenience payment fee |
Fee $5.00 – $15.00 |
Service External Transfer Fee – Standard |
Fee Free |
Service External Transfer Fee – Next Day |
Fee $3.00 ea |
Service |
Fee |
---|---|
Service Bill Payment Service |
Fee Free |
Service Same Day Payments |
Fee $9.95 ea |
Service Overnight Check Payment |
Fee $14.95 ea |
Service Stop Payment Requests |
Fee $30.00 ea |
Service Bill Payment Check Copy |
Fee $20.00 ea |
Box Size |
Fee |
---|---|
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 |
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Box Size 3 x 5 |
Fee $30.00 |
Box Size 5 x 5 |
Fee $35.00 |
Box Size 3 x 10 |
Fee $45.00 |
Box Size 5 x 10 |
Fee $60.00 |
Box Size 6 x 10 |
Fee $60.00 |
Box Size 9 x 10 |
Fee $80.00 |
Box Size 10 x 10 |
Fee $100.00 |
Box Size Initial key deposit |
Fee $10.00 |
Box Size Box drilling/lock change |
Fee current locksmith charges |
Service |
Fee |
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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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Service Individual Retirement Accounts (IRAs) |
Fee $12.00 annual fee |
Service Teller Checks (no charge if payable to member or over $2,500) (Vista Plus, and Vista Premier – 3 free per month) |
Fee $5.00 ea |
Service Research Fee per hour (1 hour minimum) |
Fee $30.00/$50.00 legal |
Service Account Reconciliation per hour (1/2 hour min) |
Fee $25.00/$35.00 legal |
Service Copy of statements, tax forms, printouts |
Fee $3.00 |
Service Notary Service (per document) |
Fee $5.00 |
Service Inactive Account (dormant 12 months or more) monthly fee |
Fee $10.00 |
Service Dormant Account Unclaimed Property Processing |
Fee $25.00 |
Service Early Account Closure (if closed within 90 days of opening) |
Fee $5.00 |
Service Member check replacement for non-members (per item) |
Fee $8.00 |
Service Outgoing Wire (Foreign) |
Fee $40.00 |
Service Outgoing Wire (Domestic) |
Fee $20.00 |
Service Incoming Wire (Domestic/Foreign) |
Fee $15.00 |
Service Photocopies |
Fee $0.25 ea |
Service Garnishment, Levy, Notice to Withhold (per notice) |
Fee $75 |
Service Collection Items (per item Foreign & Domestic) |
Fee $18 |
Service Invalid Address Account (monthly) |
Fee $10 |
Service Coin Counting Fee (Vista Plus, Vista Premier, & Minors/Free) |
Fee 5% of Coin Processed Over $100 |
Service International ACH Transaction |
Fee $15.00 ea |