Deposit Accounts*
(effective as of 12/31/11)
| Account Type |
Rate |
APY* |
| Regular Shares |
0.15% |
0.150% |
| Special Shares |
0.40% |
0.401% |
| IRAs |
0.50% |
0.501% |
| Share Drafts |
0.01% |
0.010% |
| Money Market Account |
0.40% |
0.401% |
| Christmas Club |
0.30% |
0.300% |
| Vacation Club |
0.30% |
0.300% |
*Rates subject to change at any time.
APY based on the assumption that minimum balances and other requirements are met. Regular Share,
Special Share, and Kids Klub rate dividends are compounded quarterly.
IRA, Share Draft, Money Market, Christmas Club, and Vacation Club rate dividends are compounded monthly. **APY is Annual Percentage Yield.
Certificate of Deposit*
(effective as of 12/31/2011)
Minimum Deposit: $500.00
| Certificate Type |
Rate |
APY* |
| 90 Days |
0.35% |
0.35% |
| 6 Months |
0.40% |
0.40% |
| 12 Months |
0.65% |
0.65% |
| 18 months |
0.70% |
0.70% |
| 24 Months |
0.75% |
0.75% |
| 30 Months |
1.10% |
1.10% |
| 3 Years |
1.10% |
1.10% |
| 4 Years |
1.20% |
1.20% |
| 5 Years |
1.30% |
1.30% |
$50.00 minimum balance is required in share account to open certificate account
Payday Certificates are available. Minimum deposit is $100.00 and a total monthly deposit of $100.00 is required through payroll deduction. Rates are .50% less than the regular CD rate for term chosen.
* Rates subject to change at any time.
** APY=Annual Percentage Yield
Loan Rates
(effective as of 10/24/11)
New & Used Automobile
| Financing |
Rate |
| Up to 36 Months |
as low as 3.00% to 18.00%* |
| 37 to 60 Months |
as low as 3.25% to 18.00%* |
| 72 Months (over $30,000) |
as low as 3.75% to 16.25%* |
*Rate is based on credit performance, loan term, and PFCU discounts.
Share Secured Loans
| 3% Over Dividend Rate Being Paid |
Certificate Secured Loans
| 3% Over Dividend Rate Being Paid |
Line of Credit
*Rate based on credit performance.
Home Equity Line of Credit (HELOC)
| Loan-to-Value |
Maximum Limit |
Rate |
| 80% |
$50,000 |
Prime Rate |
| 85% |
$25,000 |
Prime Rate + 1% |
| 90% |
$15,000 |
Prime Rate + 3% |
Maximum rate - 13.00%. Minimum rate - 5.00%.
Rates tied to Prime and may change at any time.
Rate Changes: The annual percentage rate can change
semi-annually on the first day of January and July. There is
no limit on the amount by which the annual percentage rate
can change during any one year period.
Signature Loans
| Term of Loan |
Rate |
| 1-3 Year (approx.) |
as low as 8.00% - 18.00%* |
*Rate is based on credit performance, loan term, and PFCU discounts.
Household Goods
(purchase only)
Home Improvement
Mortgage
| Call 615-749-6179 for current rates. |
Your Savings Federally insured to at least $250,000
