Products & Services:
Rates
Dividend Rates
| Share Account | Minimum Balance* | Annual Percentage Yield | Rate |
| Prime Share Account | $50.00* | 0.50% | 0.50% |
| Checking Plus | $1,000.00* | 0.10% | 0.10% |
| Escrow Accounts | $50.00* | 0.10% | 0.10% |
| Golden Checking | none | 0.10% | 0.10% |
| IRA | $50.00* | 0.50% | 0.50% |
*To obtain the disclosed annual percentage yield, a minimum balance must be maintained in each type of account.
The Board of Directors has announced a declaration of these dividends to be paid on individual member's eligible balances for the quarter ending December 31, 2009.
All rates and terms offered are effective December 31, 2009 and are subject to change without notice.
The following are the Money Market Rates for period ending 1/31/10.
| Term | Annual Percentage | Rate |
| 2,500 to 24,999 | 1.00% | 1.00% |
| 25,000 to 49,999 | 1.16% | 1.15% |
| 50,000 to 99,999 | 1.26% | 1.25% |
| 100,000 & Above | 1.51% | 1.50% |
All rates and terms offered are subject to change without notice.
The following are the Share Certificate Rates as of 3/6/10.
| Term | Annual Percentage | Rate |
| 3 MONTHS | 1.00% | 1.00% |
| 6 MONTH | 1.27% | 1.26% |
| 9 MONTHS | 1.39% | 1.38% |
| 1 YEAR | 1.52% | 1.51% |
| 2 YEAR | 2.09% | 2.07% |
| 5 YEAR | 3.10% | 3.06% |
| Building 1 year | 1.52% | 1.51% |
| Education 1 year | 1.52% | 1.51% |
| 18 Month Bump up | 1.80% | 1.79% |
| 12 Month Youth | 1.77% | 1.76% |
All rates and terms offered are subject to change without notice. A penalty will be assessed for premature withdrawal from share certificates.
The following are the Mortgage Rates Effective 3/5/10.
| 30 year rate | 30 year points | 15 year rate | 15 year points |
| 4.500% | 3 | 3.875% | 3 |
| 4.750% | 2 | 4.125% | 2 |
| 5.000% | 1 | 4.375% | 1 |
add .50% to above loans for jumbo mortgage ($417,000 and higher)
Loan Rates
| Loan | Term | APR* |
| Signature (Unsecured)/Debt Consolidation | 1-3 years 4-5 years |
As low as 11.65%* As low as 12.65%* |
| New and Used Vehicle | 1-3 years 4-5 years 6 years (over $15,000) 7 years (over $25,000)*** |
As low as 3.99%* As low as 4.24%* As low as 4.49%* As low as 4.49%* |
| Aircraft, Travel Trailer and Rec. Vehicle | 1-6 years 7-12 years (over$20,000) |
As low as 6.99%* As low as 7.99%* |
| Boat | 1-6 years 7-12 years (min of $25,000) 13-20 years (min of $25,000)** |
As low as 6.99%* As low as 7.49%* As low as 7.99%* |
| Home Secured (Variable) | Variable rate adjusted annually on the anniversary date: (min 6.50%/max 13.50%) | |
| 1-5 years | Prime rate minus .75% | |
| 6-15 years (over $7,500) | Prime rate minus .50% | |
| Overdraft Protection | open | 13.5% |
| Home Equity Line of Credit | Contact your closest PAFCU location for current rates. | |
| Mini Home Equity | Contact your closest PAFCU location for current rates. | |
*The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval.
**Must meet IRS requirements for a home mortgage interest deduction.
***Current and previous year models.
All rates and terms offered are effective December 31, 2009 and are subject to change without notice.
Additional terms and conditions may apply.