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Rates & Fees

Vista Premier Checking Account

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.

Vista Basic Checking Account

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.

Savings Account

Dividend Rate

Annual Percentage Yield

Regular Shares, Save to Win, Christmas Club & Business Accounts

0.10%

0.10%

Rates effective as of Jan 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.

Shares Plus - Money Market Account

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.

 

IRAs

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.

Certificates

Certificate Term

Dividend Rate

APY *

Min. Balance **

6 Month Certificate

3.60%

3.65%

$500

12 Month Certificate

3.60%

3.65%

$500

12 Month Save To Win Certificate

3.60%

3.65%

$25

18 Month Certificate

3.46%

3.50%

$500

24 Month Certificate

2.72%

2.75%

$500

26 Month Add-on Certificate

2.23%

2.25%

$500

30 Month Bump-Rate Certificate

2.23%

2.25%

$500

36 Month

2.48%

2.50%

$500

48 Month Certificate

2.48%

2.50%

$500

60 Month Certificate

2.48%

2.50%

$500

Rates effective as of October 29, 2024.

* 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 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.

VISA Rates

Loan Type

APR1

Introductory Rate

Maximum Rate

VISA - Rewards

13.50%

0.00%

18.00%

VISA - Platinum

11.50%

0.00%

18.00%

VISA - Share Secured

18.00%

N/A

18.00%

Rates Effective: October 1st, 2024

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.

Auto, Truck & Motorcycle Loans

Loan Type and Term**

APR*

Purchase / Refi***
Loan-to-Value

Maximum Term

Additional Terms

Auto & Truck

7.04%

130%

60 month

Max mileage 150k / 200k Diesel

Auto & Truck 

7.24%

130%

72 month

Max mileage 150k / 200k Diesel

Auto & Truck

7.84%

130%

84 months

Max mileage 150k / 200k Diesel

Motorcycles

7.04%

130%

60 months

Motorcycles

7.24%

130%

72 months

Max term 72 months for motorcycle financing

Rates effective as of October 1st, 2024

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.

New Recreation Vehicles, Motor Homes, Boats

Loan Type & Term**

APR*

Purchase / Refi***
Loan-to-Value

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 October 1st, 2024

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.

Personal Loans

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 October 1st, 2024

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.

Home Loans

Find rates for our home loans at the following links:

Land and Construction Loans

For more information and to apply online, click 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 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

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 - (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)

Other Checking Account Fees

Service

Fee

Stop Payments

$30.00 ea

Insufficient Funds (per returned transaction)

$30.00 ea

Loan Payment Return (per loan payment returned)

$30.00 ea

Courtesy Pay Overdraft (per transaction greater than $5)

$30.00 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

Electronic Services Fees

Service

Fee

Electronic convenience payment fee

$5.00 - $15.00

External Transfer Fee – Standard

Free

External Transfer Fee – Next Day

$3.00 ea

Bill Payment Fees

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

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

$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

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

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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