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Loans|Mortgage| Savings|Certificates
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WE'RE DRIVING THE AUTO RATES DOWN SO THAT YOU CAN DRIVE THAT SPECIAL CAR HOME
NEW AND USED AUTO SPECIALS
2.50% APR^ 36-MONTH TERM
2.90% APR^ 48-MONTH TERM
3.90% APR^ 60-MONTH TERM
FREE GAP FOR 2.50%, 2.90%, 3.90%
NEW AUTO
5.00% APR^ 66-MONTH TERM
FREE $100 CASH FOR GAS AND GAP FOR 5.00%
GUARANTEED ASSET PROTECTION (GAP) POLICY
VALUED AT $400
RESTRICTIONS APPLY.
CALL FOR DETAILS OR APPLY ON LINE TODAY.
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APR* = Annual Percentage Rate
**Rates above include Auto, Motorcycle, Watercraft, Recreational Vehicle discount of .60% or Unsecured loan discount of 1.00% with direct deposit and PTFCU checking account, auto-payment form active PTFCU checking account and multiple PTFCU loans or .25% off rate without discounts above with auto-payment from PTFCU checking account only. ^New and Used Auto Interest Rate 2.50%,2.90%, 3.90% and New Auto Interest Rate 5.00% are not eligible for any PTFCU discounts.
^LOAN MUST REMAIN OPEN FOR A PERIOD OF 36 MONTHS TO AVOID REIMBURSING THE CREDIT UNION FOR THE $100 CASH FOR GAS AND $150 GAP
**MEMBERS WITH A PTFCU REAL ESTATE LOAN AUTOMATICALLY QUALIFY FOR THE 60 BASIS POINT DISCOUNT ON SECURED LOANS OR 100 BASIS POINT DISCOUNT ON UNSECURED LOANS. ^New and Used Auto Interest Rate 2.50%,2.90%, 3.90% and New Auto Interest Rate 5.00% are not eligible for any PTFCU discounts.
^New Auto = 2011, 2010 & 2009 (8,000 miles or less)
^Used Auto = 2007, 2008 & 2009 (8001 miles and above)
^Used Auto Special down payment requirement - 20% down payment for 2007 vehicle and 10% down payment for 2008 and 2009 vehicles with 8,001 miles and above.
***Actual rate may vary. Rates and programs are subject to change without notice.
For other Consumer Loan Products not listed above, please ask a Credit Union Representative.
Term = months
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| Home Equity Loans |
Rate |
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Home Equity Line Of Credit
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5.000* |
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| Equity Fixed Rate Loan Rates as low as.... |
7.750** |
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Call Member Services or visit your nearest branch for details!
** Equity fixed rate loan includes .25% discount for auto payment from PTFCU Checking Account.
**MEMBERS WITH A PTFCU REAL ESTATE LOAN AUTOMATICALLY QUALIFY FOR THE 60 BASIS POINT DISCOUNT ON SECURED LOANS OR 100 BASIS POINT DISCOUNT ON UNSECURED LOANS.
**Rates and programs are subject to change without notice.
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First Mortgage Loans
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Conforming and Jumbo First Mortgage loans up to $2 million
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Adjustable Rate Mortgage (ARM): 5/1 ARM and 7/1 ARM
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Fixed Rate Mortgage: 40,30, 20 and 15 year
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**MEMBERS WITH A PTFCU REAL ESTATE LOAN AUTOMATICALLY QUALIFY FOR THE 60 BASIS POINT DISCOUNT ON SECURED LOANS OR 100 BASIS POINT DISCOUNT ON UNSECURED LOANS
Call our Member Service Center at (866) 773-9835 today to speak with an experienced loan counselor to tailor a loan to suit your financial needs. Click here for more program information.
*Rates and Programs are subject to change without notice.
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Savings
Effective August 25, 2010
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Minimum Balance |
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Dividend
Rate |
APY* |
| Prime Share |
$25.00 |
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0.15 |
0.15 |
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Elite Money Manager²
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$2,500 |
$9,999.99 |
0.20 |
0.20 |
| $10,000 |
$49,999.99 |
0.35 |
0.35 |
| $50,000 |
$99,999.99 |
0.50 |
0.50 |
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$100,000+
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0.60 |
0.60 |
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| Share Draft (Checking) |
$5,000 |
$49,999.99 |
0.10 |
0.10 |
| $50,000+ |
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0.25 |
0.25 |
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| Holiday Club |
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0.50 |
0.50 |
| Health Savings Account |
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0.50 |
0.50 |
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²Minimum opening deposit $2,500. Deposits below $2,500 do not earn dividends.
APY* = Annual Percentage Yield. Term=months. Calculated at month end.
If balance drops below minimum balance required for your Elite Manager money market account, rate drops to current base savings rate. Rates are subject to change without notice.
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Share Certificates and
IRA Accounts
Effective August 25, 2010
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Minimum
Deposit |
Dividend
Rate
APR**
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APY* |
Term
(Month) |
| 3-Month CD |
$1,000 |
0.35 |
0.35 |
3 |
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$25,000 |
0.40 |
0.40 |
3 |
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$50,000 |
0.50 |
0.50 |
3 |
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$100,000+ |
0.50 |
0.50 |
3 |
| 6-Month CD |
$1,000 |
0.65 |
0.65 |
6 |
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$25,000 |
0.70 |
0.70 |
6 |
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$50,000 |
0.75 |
0.75 |
6 |
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$100,000+ |
0.75 |
0.75 |
6 |
| 1-Year CD |
$1,000 |
0.85 |
0.85 |
12 |
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$25,000 |
0.90 |
0.90 |
12 |
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$50,000 |
0.95 |
0.95 |
12 |
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$100,000+ |
0.95 |
0.95 |
12 |
| 2-Year CD |
$1,000 |
1.24 |
1.25 |
24 |
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$25,000 |
1.34 |
1.35 |
24 |
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$50,000 |
1.39 |
1.40 |
24 |
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$100,000+ |
1.39 |
1.40 |
24 |
| 3-Year CD |
$1,000 |
1.49 |
1.50 |
36 |
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$25,000 |
1.59 |
1.60 |
36 |
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$50,000 |
1.64 |
1.65 |
36 |
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$100,000+ |
1.64 |
1.65 |
36 |
| 4-Year CD |
$1,000 |
1.98 |
2.00 |
48 |
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$25,000 |
2.08 |
2.10 |
48 |
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$50,000 |
2.13 |
2.15 |
48 |
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$100,000+ |
2.13 |
2.15 |
48 |
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APY* = Annual Percentage Yield. APR** = Annual Percentage Rate.
Penalty may be imposed for early withdrawal. New money are funds on deposit from another financial institution and not currently at PTFCU. Restrictions apply. Rates effective August 25, 2010 and are subject to change without notice.
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