Rates & Fees

Rates

Vista Checking Account

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 February 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 cash/check (debit) card for 15 purchase transactions (minimum of $5 each) 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. 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 Accounts

Dividend Rate Annual Percentage Yield
0.03% 0.03%

Rates effective as of February 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

Dividend Rate Annual Percentage Yield
Average daily balance $2,500 – $19,999.99 0.07% 0.07%
Average daily balance $20,000 – $49,999.99 0.12% 0.12%
Average daily balance $50,000 and up 0.17% 0.17%

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

Auto, Truck & Motorcycle Loans

Loan Type APR* Purchase / Refi***
Loan-to-Value
Maximum Term** Model Year
New Autos, Truck 3.99% 125% 60 months 2013 & Newer
New Autos, Truck 4.49% 125% 72 months 2013 & Newer
New Autos, Truck 4.69% 125% 84 months 2013 & Newer
Used Autos, Truck 4.99% 125% 60 months 2012 & Older
Used Autos, Truck 5.49% 125% 72 months 2012 & Older
Used Autos, Truck 5.69% 125% 84 months 2012 & Older

Rates Effective June 18, 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.

Used Autos Defined as 7 Years & Older.

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 125% plus tax, license, warranty & GAP. See a Member Relationship Consultant 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 APR* Purchase / Refi***
Loan-to-Value
Maximum Term** Model Year
New RVs, Motorhomes, Boats 4.70% 100% 60 months 2013 & Newer
New RVs, Motorhomes, Boats 4.95% 100% 84 months 2013 & Newer
New RVs, Motorhomes, Boats 5.70% 100% 144 months 2013 & Newer
Used RVs, Motorhomes, Boats 5.70% 100% 60 months 2006 – 2012
Used RVs, Motorhomes, Boats 5.95% 100% 84 months 2006 – 2012
Used RVs, Motorhomes, Boats 6.70% 100% 144 months 2006 – 2012

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* Purchase / Refi***
Loan-to-Value
Maximum Term**
(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans 8.00% 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.

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 0.45% 0.45% $500
12 Month Certificate 0.80% 0.80% $500
12 Month Save To Win Certificate 1.05% 1.05% $25
18 Month Certificate 1.15% 1.15% $500
24 Month Certificate 1.49% 1.50% $500
26 Month Add-on Certificate 1.49% 1.50% $500
30 Month Bump-Rate Certificate 1.54% 1.55% $500
36 Month 2.04% 2.06% $500
48 Month Certificate 2.23% 2.25% $500
60 Month Certificate 2.38% 2.40% $500

Rates effective as of June 5, 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.

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. NCUA – Your savings insured to at least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration, a U.S. Government Agency.

Fee Schedule

Personal Checking

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

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

Service Fee
Service Charge $7.50
First 20 Checks that Clear Free
Each Check over 20 that Clears $0.10

ATM/VISA Check Cards

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 12 months or more) $10.00

Electronic Services

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

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

(Box size may vary by location)

Box Size Fee
3X5 $30.00
5X5 $35.00
3X10 $45.00
5X10 $60.00
6X10 $60.00
9X10 $80.00
10X10 $100.00
Initial key deposit $5.00
Box drilling / lock change current locksmith charges

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.

Resources

Checking Accounts

Peninsula Credit Union offers several checking accounts to meet our members’ needs.

Savings Accounts

Peninsula Credit Union offers several savings accounts to meet our members’ needs.

Loans

Discover the different types of loans offered by Peninsula Credit Union.