- 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 March 31, 2026. All rates and terms offered are effective March 31, 2026 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 5/31/2026
| Term | Annual Percentage Yield | Rate |
|---|---|---|
| All rates and terms offered are subject to change without notice. | ||
| 2,500 to 24,999 | 0.35% | 0.35% |
| 25,000 to 49,999 | 0.50% | 0.50% |
| 50,000 to 99,999 | 0.50% | 0.50% |
| 100,000 & $249,999 | 0.70% | 0.70% |
| $250,000 and above | 0.75% | 0.75% |
The following are the Share Certificate Rates as of 7/20/2026
| 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. *APY = Annual Percentage Yield. 3.97% APY is accurate as of 7/20/2026, and is subject to change or cancellation without notice. Minimum opening deposit of $5,000 required. Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a lim-ted time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details. |
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| ***SPECIAL Share Certificate Rates*** | ||
| 6 Months | 3.76% | 3.70% |
| 8 Month Special* | 3.97% | 3.90% |
| 11 Month Special | 3.56% | 3.50% |
| 18 Month Bump Up | 3.14% | 3.10% |
| 3 Months | 1.64% | 1.63% |
| 6 Months | 3.76% | 3.70% |
| 9 Months | 2.24% | 2.22% |
| 1 Year | 1.85% | 1.83% |
| 2 Year | 2.24% | 2.22% |
| 3 Year | 2.24% | 2.22% |
| 4 Year | 2.24% | 2.22% |
| 5 Year | 2.87% | 2.83% |
| Building 1 Year | 1.85% | 1.83% |
| Education 1 Year | 1.85% | 1.83% |
| 12 Month Youth | 2.10% | 2.08% |
| 12 Month Young Adult Building | 2.10% | 2.08% |
| Lucky Savers | 1.85% | 1.83% |
The following are the Fixed Mortgage Rates
| Term | Rate | APR** | Points |
|---|---|---|---|
| 30 Year | 6.375% | 6.43% | 0 |
| 20 Year | 6.375% | 6.45% | 0 |
| 15 Year | 6.000% | 6.09% | 0 |
| 10 Year | 6.125% | 6.26% | 0 |
**APR = Annual Percentage Rate. APR based on a $200,000 conventional loan. Rates Effective 7/20/2026.
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 July 20, 2026 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 9.74%* As low as 10.74%* |
| New Vehicle - Apply Now | 1-5 years 6 years (over $15,000) 7 years (over $25,000)*** |
As low as 4.60%* As low as 4.85%* As low as 5.45%* |
| Used Vehicle / Refinance - Apply Now | 1-5 years 6 years (over $15,000) 7 years (over $25,000)*** |
As low as 5.15%* As low as 5.35%* As low as 5.95%* |
| 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 - Apply Now | 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% |
| New Boat - Apply Now | Up to 72 months 84-122 months 156-180 months 192-240 months |
As low as 7.49%* As low as 7.24%* As low as 6.99%* As low as 6.74%* |
| Used Boat - Apply Now | Up to 72 months 84–122 months 156–180 months 192–240 months |
As low as 7.99% As low as 7.74% As low as 7.49% As low as 7.24% |
| Education Loan | Variable | 7.50% |
| Overdraft Protection | open | 13.5% |
| Mini Home Equity Loan - Learn More | 7.250% variable | |
| Variable Equity Line of Credit - Learn More | 5.74% | |
| Fixed Home Equity Loan - Learn More | 7.85% to 9.30% Fixed | New Loans* |
| Fixed Home Equity Loan - Learn More | 6.99% to 7.125% Fixed | New Loans* 1st position** |
