Deposit & Loan Rates

Mortgage

Deposit Rates

Savings

Share Savings

Account Balance	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Min Required to Earn Stated APY
$300–$4,999	.05	.05	$300
$5,000–$9,999	.05	.05	$300
$10,000 or More	.05	.05	$300

Savings Programs

Account Type	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Min Required to Earn Stated APY
Christmas Club	.10	.10	$0
Savers Club	.10	.10	$0
Cash's Kids Club	.10	.10	$0
Student Club	.10	.10	$0
VISA/MasterCard® Secured	.10	.10	$0

Checking

Primo Checking

Account Balance	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Min Required to Earn Stated APY
$0–$25,000	.20	.00–.20	$0
$25,001 or more	.01	.00–.01	$25,001

Prime Checking

Account Balance	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Min Required to Earn Stated APY
$1,000 or More	.01	.01	$1,000

Prime Student Checking

Account Type	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Min Required to Earn Stated APY
Prime Student Checking	.01	.01	$0

Investments

Share & IRA Certificates - Roth, Traditional & Coverdel (60 Day through 1 Year)

Account Term	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Min Required to Earn Stated APY
60 Day (Share Certificate only)	.10	.10	$250
90 Day (Share Certificate only)	.10	.10	$250
182 Day^{1 (Maturity)}	.15	.15	$250
182 Day^{2 (Monthly)}	.15	.15	$250
1 Year	.25	.25	$250
1 Year (Automatic Deposit)	.25	.25	$250

Share & IRA Certificates - Roth, Traditional & Coverdel (18 Month through 5 Year)

Account Term	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Min Required to Earn Stated APY
18 Month	.35	.36	$250
2 Year	.35	.36	$250
2.5 Year	.40	.41	$250
3 Year	.40	.41	$250
4 Year	.55	.56	$250
5 Year	.65	.66	$250

IRA Share

Account Type	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Min Required to Earn Stated APY
IRA Share	.05	.05	$0

Money Markets

Prime Money Market

Account Balance	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Min Required to Earn Stated APY
$1,000–$9,999	.05	.05	$1,000
$10,000–$24,999	.07	.07	$10,000
$25,000–$74,999	.10	.10	$25,000
$75,000 or more	.13	.13	$75,000

Premier Money Market

Account Balance	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Min Required to Earn Stated APY
1,000 - 9,999	.05	.05	$1,000
10,000 - 49,999	.10	.10	$10,000
50,000 - 99,999	.10	.10	$50,000
100,000 - 249,999	.20	.20	$100,000
250,000 or more	.25	.25	$250,000

Consumer Loan Rates

New - Autos, Trucks, Vans*

Term Months	APR As Low As	Payment Per $1000
Up to 24	2.38**	$42.71
25 - 36	2.38**	$28.81
37 - 48	2.38**	$21.87
49 - 60	2.58**	$17.79
61 - 72	2.88**	$15.15
73 - 84¹	3.84**	$13.60

Rates effective as of October 16, 2020.

Autos, trucks and vans APRs based on Loan-to-Value (LTV) of 80% or less. ¹Requires minimum of $20,000 financed.

APR=Annual Percentage Rate. The above rates are based upon a 700+ credit score and are subject to change based upon borrower's credit history. To refinance your existing PFCU loan, you must add $5,000 to the balance, regular rates apply and you must add 1.00% to rates above. Payment per $1000 based on maximum term allowed for each stated rate.

1: Requires a minimum of $20,000 financed.

*For model year 2020 and 2019 autos, trucks, and vans with over 10,000 miles, add 0.20 to listed rates.

**Rates include maximum 1.00% relationship discounts. Discounts rewarded for having additional PFCU products, services and relationships at or prior to closing: checking account (.20), a child with a PFCU Cash's Kids Club account (.20 for autos only), credit card (.20), at least two (2) automated convenience services (.20), SEG group employer (.20) or quick close within 48 hours of loan approval (.20). Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. First or second mortgages, HELOCs, Lines of Credit, EZ Pay, Credit Card, Credit Builder or Share & Certificate Secured are regular rates above.

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Used - Autos, Trucks, Vans

Model Year	Term Months	APR As Low As	Payment Per $1000
2018	Up to 24	2.48**	$42.76
2018	25 - 36	2.48**	$28.86
2018	37 - 48	2.88**	$22.09
2018	49 - 60	2.94**	$17.95
2018	61 - 72	3.19**	$15.28
2018	73 - 84¹	4.19**	$13.76
2017-2016	Up to 24	2.58**	$42.80
2017-2016	25 - 36	2.58**	$28.90
2017-2016	37 - 48	2.94**	$22.11
2017-2016	49-60	2.94**	$17.95
2017-2016	61-72	3.19**	$15.28
2017-2016	73 - 84¹	4.19**	$13.76
2015 - 2013	Up to 24	2.58**	$42.80
2015 - 2013	25 - 36	2.58**	$28.90
2015 - 2013	37 - 48	2.94**	$22.11
2015 - 2013	49 -60	2.98**	$17.96
2012 - 2011	Up to 24	2.94**	$42.96
2012 - 2011	25 - 36	2.94**	$29.06
2012 - 2011	37 - 48	3.23**	$22.24
2010 - 2008	Up to 24	4.30**	$43.56
2010 - 2008	25 - 36	4.30**	$29.66
2010 - 2008	37 - 48	4.50**	$22.81
2007 & Older	Up to 24	4.70**	$43.74
2007 & Older	25 - 36	4.70**	$29.84

Rates effective as of October 16, 2020.

Autos, trucks and vans APRs based on Loan-to-Value (LTV) of 80% or less.

1: Requires a minimum of $20,000 financed.

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New - Motorcycles*²

Term Months	APR As Low As	Payment Per $1000
Up to 24	2.38**	$42.71
25 - 36	2.38**	$28.81
37 - 48	2.38**	$21.87
49 - 60	2.58**	$17.79
61 - 72¹	2.88**	$15.15
73 - 84¹	3.84**	$13.60

Rates effective as of October 16, 2020.

Motorcycle APRs based on Loan-to-Value (LTV) of 80% or less.

1: Requires a minimum of $20,000 financed.

2: 10% down payment required.

*For model year 2020 and 2019 motorcycles with over 10,000 miles, add 0.20 to listed rates.

**Rates include maximum 1.00% relationship discounts. Discounts rewarded for having additional PFCU products, services and relationships at or prior to closing: checking account (.20), credit card (.20), at least two (2) automated convenience services (.20), SEG group employer (.20) or quick close within 48 hours of loan approval (.20). Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. First or second mortgages, HELOCs, Lines of Credit, EZ Pay, Credit Card, Credit Builder or Share & Certificate Secured are regular rates above.

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Used - Motorcycles²

Model Year	Term Months	APR As Low As	Payment Per $1000
2018	Up to 24	2.48**	$42.76
2018	25 - 36	2.48**	$28.86
2018	37 - 48	2.88**	$22.09
2018	49 - 60	2.94**	$17.95
2018	61 - 72¹	3.19**	$15.28
2018	73-84¹	4.19**	$13.76
2017-2016	Up to 24	2.58**	$42.80
2017-2016	25-36	2.58**	$28.90
2017-2016	37-48	2.94**	$22.11
2017-2016	49-60	2.94**	$17.95
2017-2016	61 - 72¹	3.19**	$15.28
2017-2016	73-84¹	4.19**	$13.76
2015 - 2013	Up to 24	2.58**	$42.80
2015 - 2013	25 - 36	2.58**	$28.90
2015 - 2013	37 - 48	2.94**	$22.11
2015 - 2013	49 - 60	2.98**	$17.96
2012 - 2011	Up to 24	2.94**	$42.96
2012 - 2011	25 - 36	2.94**	$29.06
2012 - 2011	37 - 48	3.23**	$22.24
2010 - 2008	Up to 24	4.30**	$43.56
2010 - 2008	25 - 36	4.30**	$29.66
2010 - 2008	37 - 48	4.50**	$22.81
2007 - Older	Up to 24	4.70**	$43.74
2007 - Older	25 - 36	4.70**	$29.84

Rates effective as of October 16, 2020.

Motorcycle APRs based on Loan-to-Value (LTV) of 80% or less.

1: Requires a minimum of $20,000 financed.

2: 10% down payment required.

**Rates include maximum 1.00% relationship discounts. Discounts rewarded for having additional PFCU products, services and relationships at or prior to closing: checking account (.20), credit card (.20), at least two (2) automated convenience services (.20), SEG group employer (.20) or quick close within 48 hours of loan approval (.20). Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. First or second mortgages, HELOCs, Lines of Credit, EZ Pay, Credit Card, Credit Builder or Share & Certificate Secured are regular rates above.

Apply Now

New - Recreational Vehicles³

Term Months	APR As Low As	Payment Per $1000
Up to 48	4.05**	$22.61
49 - 60	4.05**	$18.45
61 - 72⁴	5.10**	$16.16

Rates effective as of October 16, 2020.

APR=Annual Percentage Rate. The above rates are based upon a 700+ credit score and are subject to change based upon borrower's credit history. To refinance your existing PFCU loan, you must add $500 to the balance, regular rates apply and you must add 1.00% to rates above. Payment per $1000 based on maximum term allowed for each stated rate.

3: 20% down payment required.

4: Titled vehicles only and requires a minimum of $10,000 financed.

**Rates above include maximum 1.00% relationship discounts. Discounts rewarded for having additional PFCU products, services and relationships at or prior to closing: checking account (.20), credit card (.20), at least two (2) automated convenience services (.20), SEG group employer (.20) or quick close within 48 hours of loan approval (.20). Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. First or second mortgages, HELOCs, Lines of Credit, EZ Pay, Credit Card, Credit Builder or Share & Certificate Secured are regular rates above.

Apply Now

Used - Recreational Vehicles³

Model Year	Term Months	APR As Low As	Payment Per $1000
2018 - 2015	Up to 48	4.49**	$22.91
2018 - 2015	49 - 60	4.49**	$18.65
2014 & Older	Up to 48	4.49**	$22.91

Rates effective as of October 16, 2020.

3: 20% down payment required.

**Rates include maximum 1.00% relationship discounts. Discounts rewarded for having additional PFCU products, services and relationships at or prior to closing: checking account (.20), credit card (.20), at least two (2) automated convenience services (.20), SEG group employer (.20) or quick close within 48 hours of loan approval (.20). Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. First or second mortgages, HELOCs, Lines of Credit, EZ Pay, Credit Card, Credit Builder or Share & Certificate Secured are regular rates above.

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Unsecured Loans

Term Months	Type	APR As Low As	Payment Per $1000
Up to 12	Signature	8.99**	$88.46
13 - 24	Signature	8.99**	$45.70
25 - 36	Signature	8.99**	$31.81
Up to 12	EZ Pay	38.00**	$50.69 per $500
Up to 24	Credit Rebuilder	28.00	$54.92
Line of Credit	Overdraft	17.75 (max. $1000)
Line of Credit	Overdraft	16.25 (min. $1001)

Share & Certificate Secured Loans⁶

Term Months	Type	APR As Low As
Up to 36	Share	3.00 above existing deposit rate
Up to Certificate Maturity Date	Certificate	3.00 above existing deposit rate

Rates effective as of October 16, 2020.

4: Individual Retirement Accounts, Christmas Clubs, Money Markets and Checking Accounts cannot be pledged as collateral. Maximum loan amount 100% of share or certificate.

**Rates include maximum 1.00% relationship discounts. Discounts rewarded for having additional PFCU products, services and relationships at or prior to closing: checking account (.20), credit card (.20), at least two (2) automated convenience services (.20), SEG group employer (.20) or quick close within 48 hours of loan approval (.20). Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. First or second mortgages, HELOCs, Lines of Credit, EZ Pay, Credit Card, Credit Builder or Share & Certificate Secured are regular rates above.

Apply Now

Home Equity Rates

Loan-To-Value (LTV) 80% and Under

Term Months	APR¹	Payment Per $1000
36	3.99	$29.52
48	3.99	$22.58
60	3.99	$18.42
84	4.49	$13.90
120	4.99	$10.61
180	5.75	$8.31
Line of Credit²	Prime Plus 0.00%	$10.00

Rates effective as of April 15, 2019.

Rates apply to owner-occupied home loans up to 80% Loan-to-Value (LTV). Closing costs start at $400 and do not include appraisal. If required, appraisal is an additional cost of typically $325-470 and is due up front. If refinancing a Prime Financial Credit Union loan, an additional $5,000 borrowed is required to qualify for any fee discounts. Homeowner insurance is required.

¹APR=Annual Percentage Rate. Rates and terms subject to change. Above rates based upon a credit rating of 740 and above and are subject to change based upon borrower's credit history.

²Home Equity Line of Credit (HELOC) Prime plus 0.00% rate (as reported in The Wall Street Journal) applies to 700+ credit score. Rate for 620-699 credit score is Prime plus 1.00%. HELOC rate is adjustable, may change monthly and will not exceed 11.25%. HELOC monthly payment per $1000 based upon minimum payment of 1.00% of outstanding balance. Payment example does not include taxes and insurance premiums.

Loan-To-Value (LTV) Over 80%

Term Months	APR³	Payment Per $1000
36	5.25	$30.09
48	5.25	$23.15
60	5.25	$18.99
84	5.75	$14.49
120	6.25	$11.23
180	6.99	$8.99
Line of Credit⁴	Prime plus 1.00%	$10.00

Rates effective as of February 19, 2020.

Rates apply to owner-occupied home loans up to 95% Loan-to-Value (LTV) and are based on credit and Debt-to-Income (DTI) qualifications. Closing costs range from $604 to $754 and do not include appraisal. If required, appraisal is an additional cost of typically $325-470 and is due up front. Homeowner insurance is required.

³APR=Annual Percentage Rate. Rates and terms subject to change. Rates subject to change based on Debt-to-Income (DTI) ratio and Loan-to-Value (LTV) ratio. Above rates based upon 740+ credit score.

⁴Home Equity Line of Credit (HELOC) Prime plus 1.00% rate (as reported in The Wall Street Journal) applies to 700+ credit score. Rate for 620-699 credit score is Prime plus 3.00%. HELOC rate is adjustable, may change monthly and will not exceed 11.25%. HELOC monthly payment per $1000 based upon minimum payment of 1.00% of outstanding balance. Payment example does not include taxes and insurance premiums.

Deposit & Loan Rates

Deposit Rates

Savings

Share Savings

Savings Programs

Checking

Primo Checking

Prime Checking

Prime Student Checking

Investments

Share & IRA Certificates - Roth, Traditional & Coverdel (60 Day through 1 Year)

Share & IRA Certificates - Roth, Traditional & Coverdel (18 Month through 5 Year)

IRA Share

Money Markets

Prime Money Market

Premier Money Market

Consumer Loan Rates

New - Autos, Trucks, Vans*

Used - Autos, Trucks, Vans

New - Motorcycles*²

Used - Motorcycles²

New - Recreational Vehicles³

Used - Recreational Vehicles³

Unsecured Loans

Share & Certificate Secured Loans⁶

Home Equity Rates

Loan-To-Value (LTV) 80% and Under

Loan-To-Value (LTV) Over 80%

Popular Topics

Connect With Us

Deposit Rates

Savings

Share Savings

Savings Programs

Checking

Primo Checking

Prime Checking

Prime Student Checking

Investments

Share & IRA Certificates - Roth, Traditional & Coverdel (60 Day through 1 Year)

Share & IRA Certificates - Roth, Traditional & Coverdel (18 Month through 5 Year)

IRA Share

Money Markets

Prime Money Market

Premier Money Market

Consumer Loan Rates

New - Autos, Trucks, Vans*

Used - Autos, Trucks, Vans

New - Motorcycles*2

Used - Motorcycles2

New - Recreational Vehicles3

Used - Recreational Vehicles3

Unsecured Loans

Share & Certificate Secured Loans6

Home Equity Rates

Loan-To-Value (LTV) 80% and Under

Loan-To-Value (LTV) Over 80%

Popular Topics

Connect With Us

New - Motorcycles*²

Used - Motorcycles²

New - Recreational Vehicles³

Used - Recreational Vehicles³

Share & Certificate Secured Loans⁶