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Rates & Fees

Vista Basic, Plus and Premier Checking Accounts

Balance and Requirements

Dividend Rate

Annual Percentage Yield

$0 up to $10,000.00 (Requirements met)

1.24%

1.25%

$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 April 1, 2018

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 debit card for 15 Point of Sale (POS) transactions (minimum of $5 each) during the statement period, and be enrolled in eStatements. 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. (i.e. January 30 – February 27 or June 30 – July 30) APYE calculated and shown on the periodic statements is based on the dividend limitations shown above. Dividends are based on Peninsula Credit Union’s earnings at the end of a dividend period and cannot be guaranteed.

Savings Account

Dividend Rate

Annual Percentage Yield

0.03%

0.03%

Rates effective as of April 1, 2018

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. Dividends are based on Peninsula Credit Union’s earnings at the end of a dividend period and cannot be guaranteed.

Shares Plus - Money Market Account

Average daily balance

Dividend Rate

Annual Percentage Yield

$2,500 – $9,999.99

0.13%

0.13%

$10,000 - $24,999.99

0.18%

0.18%

$25,000 – $49,999.99

0.20%

0.20%

$50,000 - $99,999.99

0.25%

0.25%

$100,000 and up

0.30%

0.30%

Rates effective as of October 1, 2018

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.

IRAs

IRA Type

APY

Basic Savings IRA

0.20% / Dividend Rate - 0.20%

Rates effective as of February 1, 2018

Certificates

Certificate Term

Dividend Rate

APY

Minimum Balance*

6 Month Certificate

0.60%

0.60%

$500

12 Month Certificate

1.00%

1.00%

$500

12 Month Save To Win Certificate

1.15%

1.15%

$25**

18 Month Certificate

1.49%

1.50%

$500

24 Month Certificate

1.74%

1.75%

$500

26 Month Add-on Certificate

1.74%

1.75%

$500

30 Month Bump-Rate Certificate

1.84%

1.85%

$500

36 Month

2.13%

2.15%

$500

48 Month Certificate

2.23%

2.25%

$500

60 Month Certificate

2.48%

2.50%

$500

Rates effective as of August 1, 2018

“IRA Certificates are available for all terms excluding Save to Win Certificate and Specials.”
* Wherever $500 is stated, $100 applies for Members 0-23 years of age.
** Maximum balance for a Save to Win certificate is $3,000

Rates and terms are subject to change without notice. All rates quoted refer to Annual Percentage Yield (APY). 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. Dividends will begin to accrue on the business day the deposit is made to your account. Federal Regulations state that you may make up to six (6) preauthorized, automatic, telephone, audio response, personal home banking system transfers to another account of yours or to a third party during any calendar month. You may make unlimited withdrawals or transfers in person, by mail, or at an automated teller machine, or by telephone with a check mailed to you.

VISA Rates

Loan Type

APR*

Introductory Rate

Maximum Rate

VISA - Rewards

10.75%

2.49%

18.00%

VISA - Platinum

8.75%

2.49%

18.00%

VISA - Share Secured

16.99%

N/A

18.00%

Rates effective 10.14.18

*APR = Annual Percentage Rate Signature Rewards & Priority Platinum VISA Programs 2.49% introductory APR for 9 months from date of approval. After that, APR will be 7.75%-18.00% based on credit worthiness. This APR will vary with the market based on Prime Rate.

 

Auto, Truck & Motorcycle Loans

Loan Type and Term**

APR*

Purchase / Refi***
Loan-to-Value

Model Year

New Auto, Truck & Motorcycle - 60 months

4.09%

125%

2013 & Newer

New Auto, Truck & Motorcycle - 72 months

4.79%

125%

2013 & Newer

New Auto, Truck & Motorcycle - 84 months

4.99%

125%

2013 & Newer

Used Auto, Truck & Motorcycle- 60 months

5.09%

125%

2012 & Older

Used Auto, Truck & Motorcycle- 72 months

5.79%

125%

2012 & Older

Used Auto, Truck & Motorcycle- 84 months

5.99%

125%

2012 & Older

Rates Effective August 6, 2018
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. 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 Loan Representative for additional details.

(***) Values based on NADA Retail, KBB Retail or MSRP or appraisal. Purchase transactions may finance up to 125% plus tax, license, warranty & GAP. See a Loan Representative for maximum allowable add ons. Refinances may finance up to 125% of value, plus GAP. All loans subject to underwriting and may require a down payment.

RV/Motorhome & Boat Loans

Loan Type & Term**

APR*

Purchase / Refi***
Loan-to-Value

Model Year

New RVs, Motorhomes, Boats - 60 months

5.30%

100%

2013 & Newer

New RVs, Motorhomes, Boats - 84 months

5.75%

100%

2013 & Newer

New RVs, Motorhomes, Boats - 144 months

6.45%

100%

2013 & Newer

Used RVs, Motorhomes, Boats - 60 months

6.30%

100%

2006 – 2012

Used RVs, Motorhomes, Boats - 84 months

6.75%

100%

2006 – 2012

Used RVs, Motorhomes, Boats - 144 months

7.45%

100%

2006 – 2012

Rates effective: July 23, 2018.

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. 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 Member Relationship Consultant for additional details.

(***) Values based on NADA Retail, KBB Retail or MSRP or appraisal. Purchase transactions may finance up to 100% plus tax, license, warranty & GAP. See a Member Relationship Consultant for maximum allowable add ons. Refinances may finance up to 100% of value, plus GAP. All loans subject to underwriting and may require a down payment.

Personal Loans

Loan Type

APR*

Loan-to-Value

Maximum Term**

(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans

8.00%

N/A

24 months

(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans

8.50%

N/A

36 months

(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans

9.00%

N/A

48 months

(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans

9.50%

N/A

60 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 + 2%

N/A

N/A

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. 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 Member Relationship Consultant for additional details.

(***) Values based on NADA Retail, KBB Retail or MSRP. Purchase transactions may finance up to 125% plus tax, license, warranty & GAP. See a Member Relationship Consultant for maximum allowable add ons. Refinances may finance up to 120% of value, plus GAP. 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.

Home Loans

Find rates for our home loans at the following links:

 

Construction Loans

Find rates for Construction Loans here.

 

Land Loans

Find rates for Land Loans here.

 

Home Equity Loans

For Home Equity loan rates, please call:
1 (800) 426-1601 or (360) 426-1601

 

Student Loans

Find rates for Student Loans here.

 

Personal Checking Fees

Account

Fee

Vista Basic (assumes eStatement enrollment, otherwise $3)

Free

Vista Plus (assumes eStatement enrollment, otherwise $6)

$3.00/month

Vista Premier (assumes eStatement enrollment, otherwise $9)

$6.00/month

Shares Plus (if average balance falls below $2,500)

$10.00/month

Check Printing Fees

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

Business Checking Fees

Service

Fee

Service Charge

$7.50

First 20 Checks that Clear

Free

Each Check over 20 that Clears

$0.10

ATM/VISA Check Cards Fees

Service

Fee

PCFCU ATMs

Free

Non-PCFCU ATM Transactions

Vista Basic, Plus, and Premier - Free up to $15 (if monthly conditions met)

Free

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

Deposit Items Returned (through ATM)

$20.00

Sales Draft Copies

$6.00 ea

International Service Assessment Fee – DEBIT (charged for card transaction(s) made in a foreign country)

2% of transaction

International Service Assessment Fee – CREDIT (charged for card transaction(s) made in a foreign country)

1% of transaction

Other Checking Account Fees

Service

Fee

Stop Payments

$30.00 ea

Insufficient Funds (each overdraft)

$30.00 ea

Deposit Items returned

$20.00 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

Electronic Services Fees

Service

Fee

Electronic payment handling fee

$15.00

One-time ACH debit fee

$15.00

PayPal Person-to-Person Fee

$1.00 ea

Bill Payment Fees

Service

Fee

Bill Payment Service

Free

Same Day Payments

$9.95 ea

Overnight Check Payment

$14.95 ea

Account to Account Transfer

$2.00 ea

Stop Payment Requests

$30.00 ea

Bill Payment Check Copy

$20.00 ea

Safe Deposit Boxes Annual Rental Fees

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

$5.00

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

Miscellaneous Fees

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

Foreign Wire

$35.00

Outgoing Wire (Domestic)

$20.00

Incoming Wire (Domestic)

$15.00

Photocopies

$0.25 ea

Garnishment, Levy, Notice to Withhold (per notice)

$50.00

Portfolio Loan Refinance (per loan refinanced)

$100.00

Collection Items (per item Foreign & Domestic)

$18.00

Invalid Address Account (monthly)

$10.00

Excess Transaction (savings/money market transaction that exceeds the transaction limitation imposed by Regulation

$30.00 ea

Coin Counting Fee (Vista Plus, Vista Premier, & Minors/Free

5% of Coin Processed Over $100

Consumer Loan Modification Fee (per loan modified)

$100.00

International ACH Transaction

$15.00 ea

Fees effective as of February 1, 2018 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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