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Rates

Rates as of July 1, 2019

  • All loans subject to approval.

    Auto Rates – 2018 or Newer

    APR=Annual Percentage Rate. Rates and terms vary based on creditworthiness. All rates are subject to change without notice. All loans are subject to approval. Auto loan rates listed are for 2018 model year or newer cars, for all other rates please contact the Credit Union. All loans paid through ACH/payroll receive a discount of -0.50% (overdraft line of credit and home equity line of credit excluded.)

    Used Vehicle Loan Rates – 2016/2017

    APR=Annual Percentage Rate. Rates and terms vary based on creditworthiness. All rates are subject to change without notice. All loans are subject to approval. Auto loan rates listed are for 2016 or 2017 model year cars, for all other rates please contact the Credit Union. All loans paid through ACH/payroll receive a discount of -0.50% (overdraft line of credit and home equity line of credit excluded.)

    Used Vehicle Loan Rates – 2014/2015

    APR=Annual Percentage Rate. Rates and terms vary based on creditworthiness. All rates are subject to change without notice. All loans are subject to approval. Auto loan rates listed are for 2014 or 2015 model year cars, for all other rates please contact the Credit Union. All loans paid through ACH/payroll receive a discount of -0.50% (overdraft line of credit and home equity line of credit excluded.)

    Recreational Vehicle Rates (Boats & RVs only)

    APR=Annual Percentage Rate. Rates and terms vary based on creditworthiness. All rates are subject to change without notice. All loans are subject to approval. Boats, motorcycles or RV’s must be purchased from authorized dealer only(no private party sales). All loans paid through ACH/payroll receive a discount of -0.50% (overdraft line of credit and home equity line of credit excluded.)

    PEFCU Credit Card Rates

    APR=Annual Percentage Rate. Rates and terms vary based on creditworthiness. All rates are subject to change without notice. All loans paid through ACH/payroll receive a discount of -0.50% (overdraft line of credit and home equity line of credit excluded.)

    Home Equity Line of Credit Rates (Variable Rate)

    APR=Annual Percentage Rate. Rates and terms vary based on creditworthiness. All rates are subject to change without notice. All loans are subject to approval. Maximum Home Equity loan or line of credit is 80% appraised value less current mortgage, if applicable, primary Pennsylvania residences only, for LTV over 80% please contact the credit union.

    Fixed-Rate Home Equity Loan Rates (Second Mortgage)

    APR=Annual Percentage Rate. Rates and terms vary based on creditworthiness. All rates are subject to change without notice. All loans are subject to approval. Maximum Home Equity loan or line of credit is 80% appraised value less current mortgage, if applicable, primary Pennsylvania residences only, for LTV over 80% please contact the credit union. All loans must be paid through ACH/payroll receive this promotional rate.

    Personal Loans Rates (Bill Consolidation Loan)

    APR=Annual Percentage Rate. Rates and terms vary based on creditworthiness. All rates are subject to change without notice. All loans are subject to approval. All loans paid through ACH/payroll receive a discount of -0.50% (overdraft line of credit and home equity line of credit excluded.)

    Share or Certificate Secured Rates

    APR=Annual Percentage Rate. Rates and terms vary based on creditworthiness. All rates are subject to change without notice. All loans paid through ACH/payroll receive a discount of -0.50% (overdraft line of credit and home equity line of credit excluded.)

    Vacation Loan Sale

    Maximum amount to finance is $4,000. All rates are subject to change without notice. All loans are subject to approval. Vacation Loans paid through ACH/payroll receive a discount of -0.50% (overdraft line of credit and home equity line of credit excluded.) Rates are subject to change at any time.

  • Savings Rates

    APY = Annual Percentage Yield
    APY is accurate as of the last dividend declaration date.
    Rates subject to change without notice.
    Fees could reduce the earnings on accounts.

    Money Market Rates

    APY = Annual Percentage Yield
    APY is accurate as of the last dividend declaration date.
    Rates subject to change without notice.
    Fees could reduce the earnings on accounts.
    This Money Market savings earns the dividend rate based on account balance–as balance fluctuates between tiers, the appropriate APY is earned (there is no penalty when your balance shifts between tiers).

    Share Certificates & IRA Certificates

    APY = Annual Percentage Yield
    APY is accurate as of the last dividend declaration date.
    Rates subject to change without notice; however, rate received at certificate opening will remain in effect until maturity.
    Fees could reduce the earnings on accounts.
    All certificates are available as IRA Certificates.

    **Spring Certificate Special**

    1.50% APY* for a 37 Month Term

    $1,000 minimum.

    *APY=Annual Percentage Yield. $1,000 minimum deposit required. Rate is subject to change without notice; however, rate received at certificate opening will remain in effect until maturity. Jumbo rate specials do not apply for specials. Contact the credit union for complete details.

    A penalty may be imposed for early certificate withdrawal. Jumbo rates do not apply to certificate specials.

  • Savings Account Fees

    Checking Account Fees

    ACH (Automatic Clearing House) Fees

    Debit/ATM Card Fees

    Service Fees

    Safe Deposit Boxes (Davis Street Office Only) Fees

    Money Market Account Fees

    Credit Card Fees

    Loan Fees

    Travel Card Fees

    Foreign Currency Fees

    Wire Fees