PSECU Rates

Rates valid as of 12/11/2017 9:41 PM

Checking, Savings & Money Market

DescriptionAPY*Dividend
Checking.10%.10%
Money Market.20%.20%
Reg / Vacation / Christmas / S5 / IRA.15%.15%
Youth Savings Program1.50%1.49%

Rates and information are subject to change at any time. Fees could reduce earnings on the account(s). The disclosed dividend rates are variable and may change after the member opens the account(s). Regular Share Accounts require a minimum balance of $5 to open the account. Money Market accounts require a minimum of $500 to earn the advertised APY. Share Accounts that qualify for Youth Savings Rate will earn a higher APY on the first $500 in the account. Balances above the first $500 will accrue interest at the current Regular Share rate. View Truth in Savings Account disclosure at psecu.com/disclosures/.

*APY denotes Annual Percentage Yield

Certificates & IRAs

DescriptionAPY*Rate
3 months.25%Calculate0.25%
6 months.5%Calculate0.5%
9 months.75%Calculate0.75%
12 months1%Calculate1%
18 months1.25%Calculate1.24%
24 months1.5%Calculate1.49%
36 months1.75%Calculate1.74%
48 months2%Calculate1.98%
60 months2.25%Calculate2.23%

Rates and information are subject to change at any time. Recurring deposits may be made into the certificate through automatic transfers (ATS) only. You may set up recurring deposits through ATS within 30 days after the certificate is purchased. Deposits can be stopped or reduced at any time. This rate will be paid until the certificate matures. Your certificate will automatically renew at the rate in effect at the time of maturity unless we are contacted on or before the maturity date. Upon renewal, the term will be the same as the original term. You have ten calendar days after maturity to redeem your certificate without penalty if you do not want to renew. Dividends will not accrue on the certificate after the maturity date unless it is renewed. A penalty will be imposed for early withdrawal. A minimum daily balance of $500 must be maintained in order to earn the disclosed APY. View Truth in Savings Account disclosure at psecu.com/disclosures/.

*APY denotes Annual Percentage Yield

Credit Cards

DescriptionAPR*
Visa Classic Balance TransferCalculate2.9%
Visa Classic PurchaseCalculate9.90%
Visa Classic Cash AdvanceCalculate9.90%
Founder's Card Balance TransferCalculate3.9%
Founder's Card PurchaseCalculate13.40%
Founder's Card Cash AdvanceCalculate13.40%

*APR denotes Annual Percentage Rate

PSECU Visa® Classic Card: When you take advantage of the 2.9% APR (annual percentage rate) promotional offer, Visa® balance transfers will be treated as a cash advance and will accrue interest at 2.9% APR from the time that the transaction posts until 12/31/18; thereafter, any remaining balance will begin to accrue interest at the cash advance rate, which is currently 9.9% APR and subject to change. Payments will be applied as stated in your Visa Classic Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through online banking. Our 2.9% APR promotional offer cannot be used to pay off any PSECU loan or be made payable to cash, yourself, any joint owner(s) or co-maker(s). Balance transfers access credit under the terms of your Visa account as stated in the Visa Classic Consumer Credit Card Agreement.

PSECU Visa® Founder's Card: When you take advantage of the 3.9% APR (annual percentage rate) promotional offer, Visa® Founder's Card balance transfers will be treated as a cash advance and will accrue interest at 3.9% APR from the time that the transaction posts until 12/31/18; thereafter, any remaining balance will begin to accrue interest at the cash advance rate, which is a variable APR equal to the Prime Rate plus a margin of 9.15%. Payments will be applied as stated in your PSECU Visa® Founder's Card Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through online banking. Our 3.9% APR promotional offer cannot be used to pay off any PSECU loan or be made payable to cash, yourself, any joint owner(s) or co-maker(s). Balance transfers do not qualify as eligible purchases for the cash back reward program. Balance transfers access credit under the terms of your Visa Founder's Card account as stated in the PSECU Visa® Founder's Card Consumer Credit Card Agreement.

Vehicle Loans

Vehicle Loan Rates

DescriptionTermAPR*
New / Used Auto1-36 MonthsCalculate1.49%
New / Used Auto37-60 MonthsCalculate2.49%
New / Used Auto61-84 MonthsCalculate2.99%
New / Used Auto85-120 MonthsCalculate7.99%

*APR denotes Annual Percentage Rate

Vehicle Loan Terms

Types Value (Minimum) Loan Amount (Minimum) Term (Maximum)
New & Used Vehicles $40,000 $40,000 120 months
$20,000 NA 84 months
$12,000 NA 72 months
$8,000 NA 60 months
$6,000 NA 48 months
$3,000 NA 36 months

*Rates reflect a .25% APR reduction for Automatic Payment Service and loan amounts up to 100% of the retail value of the vehicle. Your rate will increase if you discontinue Automatic Payment Service. PSECU will charge an additional 2% to the current interest rate when financing a vehicle for more than 100% and up to 120% of the retail value, and an additional 3% to the current interest rate when financing a vehicle for more than 120% and up to 130% of the retail value. PSECU will only finance up to 100% of the vehicle value for Refinance purchase types. The Manufacturer's Suggested Retail Price determines new vehicle values; Kelley Blue Book® or other authorized guides determine used vehicle values. Minimum value is $3,000. PSECU makes all final decisions regarding vehicle value and proper rate. Loan rates are effective as of 4/29/14 and subject to change. See the Consumer Note, Disclosure and Security Agreement at psecu.com/disclosures or call 800.237.7328. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc.

Recreational Vehicle Loans

Recreational Vehicle Loan Rates

DescriptionTermAPR*
New / Used RV1-36 MonthsCalculate4.25%
New / Used RV37-48 MonthsCalculate4.75%
New / Used RV49-60 MonthsCalculate4.75%
New / Used RV61-84 MonthsCalculate5.75%
New / Used RV85-120 MonthsCalculate6.25%

*APR denotes Annual Percentage Rate

Recreational Vehicle Loan Terms

Types Value (Minimum) Loan Amount (Minimum) Term (Maximum)
Recreational Vehicles NA $40,000 120 months
NA $15,000 84 months
NA $8,000 60 months
NA $5,000 48 months
NA $3,000 36 months

PSECU will finance up to 90% of the retail value for recreational vehicles. The Manufacturer's Suggested Retail Price determines new recreational vehicle values; Kelley Blue Book® or other authorized guides determine used recreational vehicle values. Minimum value is $3,333. PSECU makes all final decisions regarding vehicle value and proper rate. Loan rates are subject to change. See the Consumer Note, Disclosure and Security Agreement at psecu.com/disclosures or call 800.237.7328. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc.

Home Equity Loan

DescriptionAPR*
Home Equity Line of Credit Loan-to-Value up to 80% Calculate4.250%
Home Equity Line of Credit Loan-to-Value greater than 80% to 90.00% Calculate4.750%
5 Year Equity Loan-to-Value up to 80% Calculate4.115%
5 Year Equity Loan-to-Value greater than 80% to 90.00% Calculate4.615%
10 Year Equity Loan-to-Value up to 80% Calculate4.865%
10 Year Equity Loan-to-Value greater than 80% to 90.00% Calculate5.365%

HOME EQUITY LINE OF CREDIT: The 4.25% variable APR applies for loan-to-value (LTV) up to 80%. For a LTV greater than 80% up to 90%, the variable rate is 4.75% APR. There is a five-year advance period with a twenty-year repayment term (ten-year repayment on rental properties) from the date of the last advance. The minimum line of credit amount is $5,000. The minimum advance amount is $500.The monthly payment may vary. The variable interest rate will be equal to the prime rate or prime rate plus .5% as published in the last issue of the Wall Street Journal on the last day before the most recent full calendar month. The maximum APR is 18%. The minimum APR is 3%.

REAL ESTATE EQUITY LOAN: The 4.115% fixed APR applies for a 60-month term and LTV up to 80%. For a LTV greater than 80% up to 90% the fixed APR is 4.615% for 60 months. The 4.865% fixed APR applies for a 120-month term and LTV up to 80%. For a LTV greater than 80% up to 90% the fixed APR is 5.365% for 120 months.

*APR denotes Annual Percentage Rate

Mortgage (Fixed)

DescriptionRate as low asAPR*
10-year Fixed 0 points3.250%Calculate3.698%
10-year Fixed 1 points3.125%Calculate3.788%
10-year Fixed 2 points3.000%Calculate3.879%
10-year Fixed 3 points2.875%Calculate3.972%
15-year Fixed 0 points3.375%Calculate3.669%
15-year Fixed 1 points3.250%Calculate3.691%
15-year Fixed 2 points3.125%Calculate3.715%
15-year Fixed 3 points3.000%Calculate3.739%
20-year Fixed 0 points3.750%Calculate4.017%
20-year Fixed 1 points3.625%Calculate4.005%
20-year Fixed 2 points3.500%Calculate3.996%
20-year Fixed 3 points3.375%Calculate3.986%
30-year Fixed 0 points3.875%Calculate4.119%
30-year Fixed 1 points3.750%Calculate4.076%
30-year Fixed 2 points3.625%Calculate4.033%
30-year Fixed 3 points3.500%Calculate3.988%

Rates and information are subject to change at any time. Rates and/or points are based on several factors including but not limited to: property type, loan to value, loan purpose, credit score and subordinate financing. Rates apply to loans up to Fannie Mae's conventional mortgage loan limits. Please contact us for specific rate information, mortgage loan limits or down payment requirements at 800.237.7328, extension 3864.

*APR denotes Annual Percentage Rate

Mortgage (Adjustable)

DescriptionRate as low asAPR*
15-year 1/1 Variable2.750%Calculate4.049%
30-year 1/1 Variable3.25%Calculate4.171%
30-year 3/1 Variable3.375%Calculate3.780%
30-year 5/1 Variable3.875%Calculate3.914%
30-year 7/1 Variable4.00%Calculate3.989%

Rates may change daily, are subject to change without prior notice, and apply to loans up to Fannie Mae's conventional mortgage loan limits. Please contact us for specific rate information, mortgage loan limits or down payment requirements at 800.237.7328, extension 3864. The interest rate may increase after closing, affecting payment.

*APR denotes Annual Percentage Rate

Personal Loans

DescriptionAPR*
Signature Loan10.90%

Rates and information are subject to change at any time.

*APR denotes Annual Percentage Rate

Rates and information are subject to change at any time. All disclosures are available at psecu.com/disclosures/