PSECU Rates

Rates valid as of 4/25/2015 3:44 PM

Checking, Savings & Money Market

DescriptionAPY*Dividend
Checking.10%.10%
Money Market.20%.20%
Reg / Vacation / Christmas / S5 / IRA.15%.15%

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

Certificates & IRAs

DescriptionAPY*Rate
3 months.25%Calculate0.25%
6 months.30%Calculate0.30%
9 months.35%Calculate0.35%
12 months.45%Calculate0.45%
18 months.50%Calculate0.50%
24 months.75%Calculate0.75%
36 months1.10%Calculate1.09%
48 months1.25%Calculate1.24%
60 months1.50%Calculate1.49%

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.

*APY denotes Annual Percentage Yield

Credit Cards

DescriptionAPR*
Visa PurchaseCalculate9.90%
Visa Cash AdvanceCalculate9.90%
Visa Balance TransferCalculate2.9%

*APR denotes Annual Percentage Rate

Rates and information are subject to change at any time.

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 12/31/16; any remaining balance will begin to accrue interest at the cash advance rate, 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 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 and LOANLINER® Credit and Security Agreement.

Vehicle Loans

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%
Used/New Recreation1-84 MonthsCalculate9.90%

Vehicle Loan Terms

Value Months
Over $40,000 Up to 120 months
Over $20,000 Up to 84 months
Over $12,000 Up to 72 months
Over $8,000 Up to 60 months
Over $6,000 Up to 48 months
Over $3,000 Up to 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 LOANLINER® Credit & Security Agreement and LOANLINER Addendum at psecu.com/disclosures or call 800.237.7328. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc.

*APR denotes Annual Percentage Rate

Personal Service Loan

DescriptionAPR*
PSLCalculate12.90%

Rates and information are subject to change at any time. Personal lines of credit are variable-rate loans.

*APR denotes Annual Percentage Rate

Home Equity Loan

DescriptionAPR*
Home Equity Line of Credit Loan-to-Value up to 80% Calculate3.25%
Home Equity Line of Credit Loan-to-Value greater than 80% to 90.00% Calculate3.75%
5 Year Equity Loan-to-Value up to 80% Calculate3.99%
5 Year Equity Loan-to-Value greater than 80% to 90.00% Calculate4.49%
10 Year Equity Loan-to-Value up to 80% Calculate4.74%
10 Year Equity Loan-to-Value greater than 80% to 90.00% Calculate5.24%

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 18% or the maximum Annual Percentage Rate allowed by applicable law, whichever is less. 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%.

*APR denotes Annual Percentage Rate

Mortgage (Fixed)

DescriptionRate as low asAPR*
10-year Fixed 0 points2.875%Calculate3.152%
10-year Fixed 1 points2.750%Calculate3.237%
10-year Fixed 2 points2.625%Calculate3.321%
10-year Fixed 3 points2.500%Calculate3.409%
15-year Fixed 0 points3.000%Calculate3.214%
15-year Fixed 1 points2.875%Calculate3.232%
15-year Fixed 2 points2.750%Calculate3.253%
15-year Fixed 3 points2.625%Calculate3.275%
20-year Fixed 0 points3.625%Calculate3.816%
20-year Fixed 1 points3.500%Calculate3.805%
20-year Fixed 2 points3.375%Calculate3.794%
20-year Fixed 3 points3.250%Calculate3.785%
30-year Fixed 0 points3.875%Calculate4.109%
30-year Fixed 1 points3.750%Calculate4.066%
30-year Fixed 2 points3.625%Calculate4.023%
30-year Fixed 3 points3.500%Calculate3.979%

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.

*APR denotes Annual Percentage Rate

Mortgage (Adjustable)

DescriptionRate as low asAPR*
15-year 1/1 Variable2.750%Calculate2.903%
30-year 1/1 Variable3.250%Calculate2.874%
30-year 3/1 Variable3.125%Calculate2.720%
30-year 5/1 Variable3.750%Calculate3.022%
30-year 7/1 Variable4.000%Calculate3.287%

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.

*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

All disclosures are available at www.psecu.com/disclosures/