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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. View Truth in Savings Account disclosure.
*APY denotes Annual Percentage Yield
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.
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*APR denotes Annual Percentage Rate
Rates and information are subject to change at any time.
Visa Balance Transfer Important Information: 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 when the transaction posts until 12/31/2015; any remaining balance will begin to accrue interest at the cash advance rate of 9.9% APR, which is subject to change. Payments will be applied as stated in your Visa Classic Consumer Credit Card Agreement. There is a $250 minimum for balance transfers through psecu@home ®. Our 2.9% APR promotional offer cannot be used to pay off any PSECU loan or be made payable to cash, yourself or any joint owner(s). Balance transfers access credit under the terms of your Visa account as stated in the Visa Classic Consumer Credit Card Agreement and LOANLINER ® Credit and Security Agreement.
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Vehicle Loan Terms
*ANNUAL PERCENTAGE RATE. 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 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 4/29/13 and subject to change. For more information, see our LOANLINER® Credit & Security Agreement and LOANLINER Addendum disclosures. Kelley Blue Book is a registered trademark of the Kelley Blue Book Co., Inc.
Rates and information are subject to change at any time. Personal lines of credit are variable-rate loans.
Rates and information are subject to change at any time. Home Equity Line Of Credit: The 3.25% APR variable rate applies for loan-to-value (LTV) up to 80%. For a LTV greater than 80% up to 90%, the variable rate is 3.75% APR. Five-year advance period with a twenty-year repayment term from the date of the last advance. Minimum credit line amount $5,000. Minimum advance $500. Interest rate is variable. Monthly payment may vary. 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 15%. The minimum APR is 3%. Real Estate Equity Loan: The 3.99% APR is a fixed rate for a 60-month term and LTV up to 80%. All real estate equity (REE) loan rates are fixed: 4.49% APR for 60 months, LTV greater than 80% up to 90%; 4.74% APR for 120 months, LTV up to 80%; and 5.24% APR for 120 months, LTV greater than 80% up to 90%.
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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. At the menu prompt, select option 6, then extension 3864.
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. At the menu prompt, select option 6, then extension 3864. The interest rate may increase after closing, affecting payment.
Rates and information are subject to change at any time.
All disclosures are available at www.psecu.com/disclosures/
PSECU is federally insured by the National Credit Union Administration. PSECU is an Equal Opportunity and Housing Lender.
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