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Loans|Mortgage| Savings|Certificates
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WE'RE OPENING DOORS TO MAKE IT HAPPEN
NEW AUTO SPECIALS
2.99% APR**
3.99% APR**
5.00% APR**
FREE GAP FOR 2.99% APR AND 3.99%APR****
FREE $100 CASH FOR GAS AND GAP FOR 5.00% APR****
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 Auto Interest Rate 2.99%,3.99% and 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 Auto Interest Rate 2.99%,3.99% and 5.00% are not eligible for any PTFCU discounts.
***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 |
Minimum Balance |
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Dividend
Rate |
APY* |
| Prime Share $25.00 - $4,999.99 |
$25.00 |
$4,999.99 |
0.15 |
0.15 |
| Prime Share $5,000 - $9,999.99 |
$5,000 |
$9,999.99 |
0.25 |
0.25 |
| Prime Share $10,000+ |
$10,000+ |
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0.35 |
0.35 |
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Elite Money Manager
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$0.01 |
$2,499.99 |
0.25 |
0.25 |
| $2,500 |
$9,999.99 |
0.25 |
0.25 |
| $10,000 |
$24,999.99 |
0.50 |
0.50 |
| $25,000 |
$49,999.99 |
0.50 |
0.50 |
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$50,000
$75,000
$100,000
$200,000
$250,000+
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$74,999.99
$99,999.99
$199,999.99
$249,999.99
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0.75
0.75
1.00
1.00
1.00
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0.75
0.75
1.00
1.00
1.00
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| Share Draft (Checking) |
$5000 |
$49,999.99 |
0.10 |
0.10 |
| $50,000+ |
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0.25 |
0.25 |
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| Holiday Club |
$0.00 |
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0.50 |
0.50 |
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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 current base savings rate. Rates are subject to change without notice.
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Share Certificates and
IRA Accounts
Effective November 16, 2009
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Minimum
Deposit |
Dividend
Rate
APR**
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APY* |
Term
(Month) |
| 3-Month CD |
$1,000 |
0.50 |
0.50 |
3 |
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$10,000 |
0.55 |
0.55 |
3 |
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$25,000 |
0.65 |
0.65 |
3 |
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$50,000 |
0.70 |
0.70 |
3 |
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$100,000 |
0.75 |
0.75 |
3 |
| 6-Month CD |
$1,000 |
0.75 |
0.75 |
6 |
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$10,000 |
0.80 |
0.80 |
6 |
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$25,000 |
0.85 |
0.85 |
6 |
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$50,000 |
0.90 |
0.90 |
6 |
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$100,000 |
0.95 |
0.95 |
6 |
| 1-Year CD |
$1,000 |
1.00 |
1.00 |
12 |
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$10,000 |
1.05 |
1.05 |
12 |
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$25,000 |
1.09 |
1.10 |
12 |
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$50,000 |
1.14 |
1.15 |
12 |
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$100,000 |
1.19 |
1.20 |
12 |
| 2-Year CD |
$1,000 |
1.24 |
1.25 |
24 |
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$10,000 |
1.29 |
1.30 |
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 |
1.44 |
1.45 |
24 |
| 3-Year CD |
$1,000 |
1.49 |
1.50 |
36 |
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$10,000 |
1.54 |
1.55 |
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 |
1.69 |
1.70 |
36 |
| 4-Year CD |
$1,000 |
1.98 |
2.00 |
48 |
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$10,000 |
2.03 |
2.05 |
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 |
2.18 |
2.20 |
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 as of November 16, 2009. Rates are subject to change without notice.
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