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Loans|Mortgage| Savings|Certificates
| Loans |
Rate |
APR* |
Term (months)
|
|
|
New Auto Loan as low as...
|
5.00* |
5.00* |
48 |
Calculator |
| New Auto Loans as low as... |
5.00* |
5.00* |
66 |
Calculator |
| New Auto Loans as low as... |
5.00* |
5.00* |
72 |
Calculator |
| New Auto Loans as low as.. |
5.00* |
5.00* |
84 |
Calculator |
| Used Auto as low as... |
6.15** |
6.15* |
48 |
Calculator |
| Used Auto Loans as low as... |
6.40** |
6.40* |
66 |
Calculator |
| Used Auto Loans as low as... |
6.65** |
6.65* |
72 |
Calculator |
| Used Auto Loans as low as... |
7.15** |
7.15* |
84 |
Calculator |
| New Recreational Vehicle as low as... |
7.90** |
7.90* |
66 |
Calculator |
| New Motorcycle as low as... |
8.90** |
8.90* |
66 |
Calculator |
| New Watercraft as low as... |
8.90** |
8.90* |
66 |
Calculator |
| Used Recreational Vehicle as low as... |
8.90** |
8.90* |
66 |
Calculator |
| Used Motorcycle as low as... |
9.65** |
9.65* |
66 |
Calculator |
| Used Watercraft as low as... |
9.65** |
9.65* |
66 |
Calculator |
| Personal Line of Credit as low as... |
10.25** |
10.25* |
n/a |
Calculator |
| Signature Loan as low as... |
10.99**
|
10.99*
|
66 |
Calculator |
| MasterCard as low as... |
10.90 ** |
10.90 * |
n/a |
Calculator |
|
*APR = Annual Percentage Rate
* NEW AUTO SPECIAL 5.00% APR UP TO 84 MONTHS RESTRICTIONS APPLY. CALL TODAY FOR DETAILS.
**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.
**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.
*** 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 |
| |
|
|
Home Equity Line Of Credit
|
3.900* |
| Equity Fixed Rate Loan Rates as low as.... |
6.500** |
|
Call or visit your nearest Member Service Center for details! Click here to apply!
* Introductory Rate for First 3 Months
** Rate 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.
|
|
|
FIRST MORTGAGE LOANS
|
|
Conforming and Jumbo First Mortgage loans up to $2 million.
Adjustable Rate Mortgage (ARM):
1,3,5,7 and 10 year
3,5,7,10, Interest Only ARM
Fixed Rate:
40,30, 20 and 15 year
40 Year Fixed Rate with 10 or 15 Year Interest Only Feature.
**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.
|
| Savings |
Minimum Balance |
Dividend Rate |
APY* |
Term |
| Prime Share $5.00- $4,999.99 |
$5.00 |
.25 |
.25 |
n/a |
| Prime Share $5000.00-$9,999.99 |
$5,000 |
.50 |
.50 |
n/a |
| Prime Share $10,000.00+ |
$10,000 |
1.00 |
1.00 |
n/a |
|
Elite Money Manager
|
$0.01 |
$2,499.99 |
.25 |
n/a |
| $2,500 |
$9,999.99 |
.50 |
n/a |
| $10,000 |
$24,999.99 |
1.00 |
n/a |
| $25,000 |
$49,999.99 |
1.00 |
n/a |
|
$50,000
$75,000
$100,000
$200,000
$250,000
|
$74,999.99
$99,999.99
$199,999.99
$249,999.99
|
1.25
1.25
1.75
1.75
2.25
|
n/a
n/a
n/a
n/a
n/a
|
| Share Draft (Checking) |
$0.00 |
0.00 |
0.00 |
n/a |
| $5001 |
.50 |
.50 |
n/a |
| 50,001 |
1.00 |
1.00 |
n/a |
| Holiday Club |
$0.00 |
1.400 |
1.410 |
n/a |
|
*APY = Annual Percentage Yield
Term=months. Calculated at month end.
If balance drops below minimum balance required for your Money Market Account, rate drops to base savings rate -.50% Rates are subject to change without notice.
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|
|
Certificates & IRA's
Effective April 14, 2008
|
Minimum Deposit |
Dividend Rate |
APY* |
Term
(months) |
| 3 Month Share Certificate |
$1,000 |
2.62 |
2.65 |
3 |
| 6 Month Share Certificate |
$1,000 |
2.76 |
2.80 |
6 |
| 4 Month Share Certificate |
$4,000 |
3.92 |
4.00 |
4 |
| C=Certificate I=IRA Certificate |
|
C |
I |
C |
I |
|
| 1 Year CD |
$1,000 |
2.86 |
2.91 |
2.90 |
2.95 |
12 |
| |
$10,000 |
3.01 |
3.05 |
3.05 |
3.10 |
12 |
| |
$25,000 |
3.10 |
3.15 |
3.15 |
3.20 |
12 |
| |
$50,000 |
3.10 |
3.15 |
3.15 |
3.20 |
12 |
| |
$100,000 |
3.20 |
3.25 |
3.25 |
3.30 |
12 |
| 2 Year CD |
$1,000 |
2.96 |
3.01 |
3.00 |
3.05 |
24 |
| |
$10,000 |
3.10 |
3.15 |
3.15 |
3.20 |
24 |
| |
$25,000 |
3.15 |
3.20 |
3.20 |
3.25 |
24 |
| |
$50,000 |
3.20 |
3.25 |
3.25 |
3.30 |
24 |
| |
$100,000 |
3.25 |
3.30 |
3.30 |
3.35 |
24 |
| 3 Year CD |
$1,000 |
2.96 |
3.01 |
3.00 |
3.05 |
36 |
| |
$10,000 |
3.10 |
3.15 |
3.15 |
3.20 |
36 |
| |
$25,000 |
3.15 |
3.20 |
3.20 |
3.25 |
36 |
| |
$50,000 |
3.20 |
3.25 |
3.25 |
3.30 |
36 |
| |
$100,000 |
3.25 |
3.30 |
3.30 |
3.35 |
36 |
| 4 Year CD |
$1,000 |
2.96 |
3.01
|
3.00 |
3.05 |
48 |
| |
$10,000 |
3.10 |
3.15 |
3.15 |
3.20 |
48 |
| |
$25,000 |
3.15 |
3.20 |
3.20 |
3.25 |
48 |
| |
$50,000 |
3.20 |
3.25 |
3.25 |
3.30 |
48 |
| |
$100,000 |
3.25 |
3.30 |
3.30 |
3.35 |
48 |
|
*APY = Annual Percentage Yield
If balance drops below minimum balance required, rate drops to base savings rate-.50%
***An Early Withdrawal Penalty may apply. Please contact the Credit Union for more information.*** ****Restrictions Apply****
Rates are subject to change without notice.
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