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Rates & Fees

Vista Basic 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 February 1, 2019

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.

Savings Account

Dividend Rate

Annual Percentage Yield

0.03%

0.03%

Rates effective as of February 1, 2019

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.

Shares Plus - Money Market Account

Average daily balance

Dividend Rate

Annual Percentage Yield

$2,500 – $9,999.99

0.15%

0.15%

$10,000 - $24,999.99

0.25%

0.25%

$25,000 – $49,999.99

0.30%

0.30%

$50,000 - $99,999.99

0.33%

0.33%

$100,000 and up

0.36%

0.36%

Rates effective as of February 1, 2019

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, 2019

Certificates

Certificate Term

Dividend Rate

APY

Minimum Balance*

6 Month Certificate

0.95%

0.95%

$500

12 Month Certificate

1.49%

1.50%

$500

12 Month Save To Win Certificate

1.54%

1.55%

$25**

18 Month Certificate

1.64%

1.65%

$500

24 Month Certificate

1.79%

1.80%

$500

26 Month Add-on Certificate

1.79%

1.80%

$500

30 Month Bump-Rate Certificate

1.79%

1.80%

$500

36 Month

1.84%

1.85%

$500

48 Month Certificate

1.89%

1.90%

$500

60 Month Certificate

1.94%

1.95%

$500

Rates effective as of November 5, 2019

General Conditions:

Rates. Certificate rates are subject to change on Tuesday morning of each week; special rate offers are subject to change at any time. 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 above.

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.  Your account will mature on the maturity date set forth on your Certificate Disclosure Statement.  Certificates, excluding specials, have an automatic renewal feature at maturity.

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. 

**Maximum balance for a Save to Win certificate is $3,000.

VISA Rates

Loan Type

APR*

Introductory Rate

Maximum Rate

VISA - Rewards

10.50%

2.49%

18.00%

VISA - Platinum

8.50%

2.49%

18.00%

VISA - Share Secured**

16.74%

N/A

18.00%

Rates effective November 1, 2019

*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 6.75%-18.00% based on credit worthiness. Rate will vary with the market based on the Prime Rate.

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.

**Offered to members establishing or re-establishing their credit.

 

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%

2014 & Newer

New Auto, Truck & Motorcycle - 72 months

4.69%

125%

2014 & Newer

New Auto, Truck & Motorcycle - 84 months

4.99%

125%

2014 & Newer

Used Auto, Truck & Motorcycle- 60 months

5.09%

125%

2013 & Older

Used Auto, Truck & Motorcycle- 72 months

5.69%

125%

2013 & Older

Used Auto, Truck & Motorcycle- 84 months

5.99%

125%

2013 & Older

Rates Effective: November 1, 2019

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 MRC for additional details.

(***) Values based on New or Used NADA Retail, KBB Retail, MSRP or appraisal. Auto purchase and refinance transactions may finance up to 125% plus tax, license, warranty & GAP. See a MRC for maximum allowable add ons. Refinances may finance up to 125% of value, plus GAP & Warranty. 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%

2014 & Newer

New RVs, Motorhomes, Boats - 84 months

5.75%

100%

2014 & Newer

New RVs, Motorhomes, Boats - 144 months

6.45%

100%

2014 & Newer

Used RVs, Motorhomes, Boats - 60 months

6.30%

100%

2007 – 2013

Used RVs, Motorhomes, Boats - 84 months

6.75%

100%

2007 – 2013

Used RVs, Motorhomes, Boats - 144 months

7.45%

100%

2007 – 2013

Rates effective: November 1, 2019

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 New or Used NADA Retail, KBB Retail, MSRP or appraisal. Auto purchase and refinance transactions may finance up to 125% plus tax, license, warranty & GAP. See a MRC for maximum allowable add ons. Refinances may finance up to 125% of value, plus GAP & Warranty. 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 Effective November 1, 2019

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 NADA Retail, KBB Retail, MSRP or appraisal. Auto purchase and refinance transactions may finance up to 125% plus tax, license, warranty & GAP. See a MRC for maximum allowable add ons. Refinances may finance up to 125% of value, plus GAP & Warranty. 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.

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 details 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

Monthly Service Charge

$10.00

First 20 Checks that Clear

Free

Each Check over 20 that Clears

$0.10

ATM/VISA Check Cards Fees

Service

Fee

PCFCU ATM Transactions

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 ea

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 (per returned transaction)

$30.00 ea

Deposit Items returned (per returned transaction)

$20.00 ea

Courtesy Pay Overdraft

$30.00 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 convenience payment fee

$5.00 - $15.00

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

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

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 D

$30.00 ea

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

5% of Coin Processed Over $100

Consumer Loan Rate Modification Fee (per loan modified)

$100.00

International ACH Transaction

$15.00 ea

Fees Effective: November 1, 2019

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.

Current FEE SCHEDULE
Click here 

Current DIVIDEND RATES
Click here

Current CERTIFICATE RATES
Click here

Current LOAN RATES
Click here 

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