- Rates
Dividend Rates
| Share Account | Minimum Balance* | Annual Percentage Yield | Rate |
|---|---|---|---|
| *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 June 30, 2024. All rates and terms offered are effective June 30, 2024 and are subject to change without notice. |
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| Prime Share Account | $50.00* | 0.10% | 0.10% |
| VIP Checking | none | 0.05% | 0.05% |
| Escrow Accounts | $50.00* | 0.05% | 0.05% |
| IRA | $50.00* | 0.17% | 0.17% |
| Health Savings Acct | none | 0.10% | 0.10% |
The following are the Money Market Rates for the period ending 8/31/24
| Term | Annual Percentage Yield | Rate |
|---|---|---|
| All rates and terms offered are subject to change without notice. | ||
| 2,500 to 24,999 | 0.50% | 0.50% |
| 25,000 to 49,999 | 0.70% | 0.70% |
| 50,000 to 99,999 | 0.75% | 0.75% |
| 100,000 & $249,999 | 1.00% | 1.00% |
| $250,000 and above | 1.26% | 1.25% |
The following are the Share Certificate Rates as of 10/5/2024
| Term | Annual Percentage Yield | Rate |
|---|---|---|
| All rates and terms offered are subject to change without notice. A penalty will be assessed for premature withdrawal from share certificates. | ||
| 3 Months | 2.24% | 2.22% |
| 6 Months | 3.66% | 3.60% |
| 9 Months | 3.75% | 3.69% |
| 1 Year | 2.73% | 2.70% |
| 2 Year | 2.90% | 2.86% |
| 3 Year | 3.10% | 3.06% |
| 4 Year | 2.88% | 2.84% |
| 5 Year | 2.87% | 2.83% |
| Building 1 Year | 2.73% | 2.70% |
| Education 1 Year | 2.73% | 2.70% |
| 12 Month Youth | 2.99% | 2.95% |
| 12 Month Young Adult Building | 2.99% | 2.95% |
| Lucky Savers | 2.73% | 2.70% |
| ***SPECIAL Share Certificate Rates*** | ||
| 11 Month Special | 4.65% | 4.55% |
| 16 Month Special | 4.49% | 4.40% |
| 18 Month Bump Up | 4.34% | 4.26% |
The following are the Fixed Mortgage Rates Effective 09/10/2024
| 30 Year Rate | 30 Year Points | 15 Year Rate | 15 Year Points |
|---|---|---|---|
| 5.875% | 1.000 | 5.75% | 1.000 |
| 20 Year Rate | 20 Year Points | 10 Year Rate | 10 Year Points |
| Add .50% to above loans for jumbo mortgage. | |||
| 5.875% | 1.000 | 5.625% | 1.000 |
Loan Rates |
| Financing for non-commercial vehicles only. |
| Loan | Term | APR* |
|---|---|---|
| *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. Does not apply to member with existing equity loans. **Must meet IRS requirements for a home mortgage interest deduction. If we are first mortgage, first position lien. ***Current and previous year models. All loan rates and terms offered are effective October 9, 2024 and are subject to change without notice. Additional terms and conditions may apply. |
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| Signature (Unsecured)/Debt Consolidation - Apply Now | 1-3 years 4-5 years |
As low as 9.99%* As low as 10.99%* |
| New Vehicle - Apply Now | 1-5 years 6 years (over $15,000) 7 years (over $25,000)*** |
As low as 6.44%* As low as 6.54%* As low as 7.24%* |
| Used Vehicle / Refinance - Apply Now | 1-5 years 6 years (over $15,000) 7 years (over $25,000)*** |
As low as 6.69%* As low as 6.99%* As low as 7.49%* |
| Aircraft, Travel Trailer and Rec. Vehicle - Apply Now | 1-6 years 7-12 years (over $20,000) |
As low as 7.49%* As low as 8.49%* |
| Motorcycles, Jet Ski, & ATV | 1-3 years 4-5 years 6-7 years (over $15,000) 7 Year current rate & 1 yr prior model only |
As low as 5.99% As low as 6.24% As low as 6.49% As low as 6.49% |
| Boat - Apply Now | 1-6 years 7-12 years (min of $25,000) 13-15 years (min of $25,000) 16-20 years (min of $25,000) |
As low as 4.49%* As low as 6.34%* As low as 6.64%* As low as 6.99%* |
| PAFCU Home Secured | ||
| 1-5 years 2% Preferred APR* 7.90% 1% Preferred APR** 8.90% Non Preferred APR 9.90% |
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| 6-15 years (over $7,500) 2% Preferred APR* 8.90% 1% Preferred APR** 9.90% Non Preferred APR 10.90% |
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| Education Loan | Variable | 8.875% |
| Overdraft Protection | open | 13.5% |
| Mini Home Equity Loan | 8.00% variable | |
| Variable Equity Line of Credit | 6.99% | |
| Fixed Home Equity Loan | 7.85% to 9.30% Fixed | New Loans* |
| Fixed Home Equity Loan | 6.99% to 7.125% Fixed | New Loans 1st position** |
