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 November 1, 2016.

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 12 purchase transactions and log into your Vista account online once a month and receive Peninsula Credit Union’s electronic statements monthly. 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 November 1, 2016.

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 0.05% 0.05%
Average daily balance $20,000 – $49,999.99 0.05% 0.05%
Average daily balance $50,000 and up 0.05% 0.05%

Rates effective as of November 1, 2016.

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 2.54% 125% 60 months 2012 & Newer
New Autos, Truck 2.79% 125% 72 months 2012 & Newer
New Autos, Truck 3.04% 125% 84 months 2012 & Newer
New Autos, Truck 4.79% 125% 96 months New (not previously titled)
Used Autos, Truck 3.54% 125% 60 months 2011 & Older
Used Autos, Truck 3.79% 125% 72 months 2011 & Older
Used Autos, Truck 4.04% 125% 84 months 2011 & Older

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 4.20% 100% 60 months 2012 & Newer
New RVs, Motorhomes, Boats 4.45% 100% 84 months 2012 & Newer
New RVs, Motorhomes, Boats 5.20% 100% 144 months 2012 & Newer
Used RVs, Motorhomes, Boats 5.20% 100% 60 months 2005 – 2011
Used RVs, Motorhomes, Boats 5.45% 100% 84 months 2005 – 2011
Used RVs, Motorhomes, Boats 6.20% 100% 144 months 2005 – 2011

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**
Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans 5.25% N/A 60 months
Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans 8.25% N/A 96 months
Savings Secured 3% above current savings rate 100% 120 months
Certificate Secured 3% above current savings 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.

IRAs

IRA Type APY
Basic Savings IRA 0.20%

Rates effective as of November 1, 2016.

Certificates

Certificate Term Dividend Rate APY Minimum Balance
6 Month Certificate 0.10% 0.10% $500
12 Month Certificate 0.15% 0.15% $500
12 Month Save To Win Certificate 0.20% 0.20% $25
18 Month Certificate 0.20% 0.20% $500
24 Month Certificate 0.50% 0.50% $500
26 Month Add-on Certificate 0.50% 0.50% $500
30 Month Bump-Rate Certificate 0.60% 0.60% $500
36 Month Certificate 0.85% 0.85% $500
48 Month Certificate 1.10% 1.10% $500
60 Month Certificate 1.24% 1.25% $500

Rates effective as of November 1, 2016.

Minimum balance shown is reduced to $100 for members 0-23 years of age.

"IRA Certificates are available for all terms excluding Save to Win Certificate and Specials."

These rates are available for a limited time and are subject to change once targets are met.

Fee Schedule

Personal Checking

Account Fee
PCU Perks Premium Benefits $5.00
Horizons ($6.95 if balance falls below $400) Free
Vista Checking Free**
Simpl-e Free**
Shares Plus (if average balance falls below $2,500) $10.00
Renew* Free**

* A provisional checking account issued at the discretion of the credit union.

** Assumes eStatement enrollment, otherwise $2.50

Check Printing

Account Fee
Horizons Checking (one design only) Free
Vista, Simpl-e & Business Checking (depends upon styles selected) 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
Horizons Checking Free
Vista Checking (if monthly account conditions are not met) $1.00 ea
Simpl-e, Business Checking, Renew $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
Check Rescue Activation $30.00
Checking Account Closed per Management $30.00
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
Expedited Payments $9.95 ea
Stop Payment Requests $30.00 ea
Payment Investigation/Research (per hour, 1 hr min) $25.00/$35.00 legal
Bill Payment Check Copy $20.00
Automatic Overdraft Transfer $5.00 ea
Failed/Insufficient Funds Payment (each) $30.00 ea
Money HQ External Transfer $1.50 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

Horizons Checking 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 $1,000) (Horizons – 3 free per month) $3.50 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 (Horizons – 10 copies free per month) $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 (Horizons & 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 October 25, 2016. A provisional checking account issued at the discretion of the credit union. 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.