Special on Used Cars!
Deposit Accounts*
(effective as of 12/31/09)
|
Type |
Rate |
APY**
|
Regular Shares |
0.40% |
0.401% |
|
Special Shares |
0.65% |
0.652% |
IRAs |
1.25% |
1.257% |
|
Share Drafts |
0.15%
|
0.150%
|
Money Market |
1.10% |
1.106% |
|
Christmas Club |
0.65% |
0.652% |
Vacation Club |
0.65% |
0.652% |
*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 1/13/2010)
Minimum Deposit: $500.00
|
Type
|
Rate
|
APY**
|
|
90 Days
|
1.20%
|
1.21%
|
|
6 Months
|
1.60%
|
1.61%
|
|
12 Months
|
1.70%
|
1.71%
|
|
18 Months
|
1.85%
|
1.87%
|
|
24 Months
|
2.00%
|
2.02%
|
|
30 Months
|
2.15%
|
2.17%
|
|
3 Years
|
2.40%
|
2.43%
|
|
4 Years
|
2.50%
|
2.53%
|
|
5 Years
|
2.75%
|
2.79%
|
*Rates subject to change at any time.
|
APY based on the assumption that minimum balances and other requirements will be met.
All certificate rate dividends are compounded monthly. **APY is Annual Percentage
Yield.
$50 minimum balance required in Share Account to open a Certificate Account.
|
Your savings federally insured to at least
$250,000 and backed by the full faith and credit
of
the United States Government. National Credit
Union Administration, a U.S. Government Agency.
Loan Rates
(effective as of 6/23/09)
New & Used Automobile
Financing |
Rate |
Up to 36 Months |
as low as 5.00% to 18.00%* |
37 to 60 Months |
as low as 5.25% to 18.00%* |
72 Months (over $30,000) |
as low as 5.75% to 17.25%* |
*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 + 1%
|
95% |
$15,000 |
Prime + 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 Rates
|
Call 615-749-6179 for current rates.
|
We do business in accordance with the Federal Fair Housing Law
and the Equal Credit Opportunity Act.
2010 Fee Schedule
Description |
Fee |
|
Christmas Club Fees
|
$5.00 early withdrawal fee if withdrawal occurs prior to November
1st
|
|
Vacation Club Fees
|
$5.00 early withdrawal fee if withdrawal occurs prior to
May 1st
|
|
Regular Share Fees:
Excessive Withdrawal-
Dormant Account Fee-
|
$5.00/withdrawal if more than 2 withdrawals per month
$10.00/Year if no activity or communication for one year
|
|
Money Market Fees:
Service Charge-
Excessive Withdrawal Fee-
|
$10.00/month if accounts fall below the minimum balance at any time during the
month
$10.00/withdrawal if more than 3 withdrawals per month
|
|
Account Fees:
Overdraft Fee-
NSF Fee-
Returned Item Fee-
Stop Payment Fee-
Share Draft Printing-
Copy of Draft-
Account Activity Printout-
Temporary Checks-
Service Charge-
|
$20.00/item
$20.00/item
$5.00/item
$20.00/item
Prices may vary depending upon style
$10.00/item
$3.00/copy
$1.00/Sheet of 4
$5.00/month if accounts fall below the minimum balance at any time during the
month. On non-direct deposit accounts.
|
|
Other Service Fees:
Account Reconciliation-
Account Research-
Statement Copy Fee-
Deposited Item Return Fee-
Wire Transfer Fee (Domestic)-
Wire Transfer Fee (Foreign)-
Money Order-
Negative Account Fee-
Dormant Account Fee-
Address Change-
Credit Union Cashier Check-
Bill Pay-
|
$15.00/hour
$15.00/hour
$3.00/copy
$5.00/item
$15.00/transfer
$45.00/transfer
.65/money order
$5.00/day
$10.00/month after one year
$2.00/address if not notified by member
$1.00/check if payable to other than member
FREE
|
|
Visa Card Fees:
First Debit/Credit Card-
Replacement Debit/Credit Card after first card-
Positive File Update -
Gift Cards-
|
FREE
$10.00
$10.00
$5.00/each
|
|
