Rates and Yields
Below you’ll find rates and yields for each of our products.
Loan Rates
Auto Loans 2022 - Newer
Used Auto Loan – 2019-2020-2021 Model Year
Term (months)
Annual Percentage Rate (as low as)
Up to 36
6.49%
37-48
6.74%
49-60
6.99%
61-72
7.24%
Used Auto Loan – 2016-2017-2018 Model Year
Term (months)
Annual Percentage Rate (as low as)
Up to 36
7.49%
37-48
7.74%
49-60
7.99%
PEFCU Mastercard Credit Card
Term (months)
Annual Percentage Rate (as low as)
9.99%
Home Equity Line of Credit
Term (months)
APR (as low as)
120
8.00%
180
8.25%
240
8.50%
Home Equity Fixed Rate Loan
Term (months)
Annual Percentage Rate (as low as)
Up to 36 months
5.99%
37-60
6.24%
61-120
6.49%
121-180
6.74
Personal Loan
Term (months)
Annual Percentage Rate (as low as)
Up to 36
10.00%
Checking Rates
Checking Products
Account Type
Balance
APY ( Annual Percentage Yield )
Dividend Rate
Business Checking Plus
Less than $5,000.00
0.05%
0.05%
$5,000.00 - $49,999.99
0.15%
0.15%
$50,000.00 - $89,999.99
0.20%
0.20%
$90,000.00 - $499,999.99
0.25%
0.25%
$500,000.00 - $899,999.99
0.50%
0.50%
$900,000.00 & Greater
0.90%
0.90%
Advantage Checking
0.10%
0.10%
Premier Checking
0.10%
0.10%
High Rewards Checking²⁴
Up to $7,500.00
3.09%
3.05%
$7,500.01 & Greater
.10%
.10%
For the purposes of this disclosure, this is a rate and APY as of the last dividend period of 01/01/2024. This Dividend Rate and Annual Percentage Yield shown above may change at any time as determined by Our Board of Directors.
All deposited funds earn the rate for the tier that reflects the average daily balance at the end of the interest period.
24 High Rewards Checking: This account is subject to a Tiered Variable Rate. 3.08% APY will be paid on the portion of daily balance of $7,500 or less. Portion of daily balance over $7,500 earns a dividend rate of 0.10%, resulting in an APY of 3.00% to 0.32%, depending on the balance. If qualifications are not met, all balances in the High Rewards checking will earn 0.05% APY. In order to earn the disclosed High Rewards APY and be reimbursed for domestic ATM fees incurred (up to $20.00 per month), during each dividend period, You must: (a) make 12 or more signature-based (non-PIN) transactions (evidenced by Your statement) using Your MasterCard Debit Card; and (b) consent to receive Your statements electronically. Each qualification cycle will begin on the first calendar day of each month, and end on the last calendar day of each month (“qualification cycle”). Domestic ATM fees incurred during each calculation cycle will be reimbursed up to a total of $20.00 if qualifications are met within the calculation cycle. Calculation rewards will not be issued if all qualifications are met within the calculation cycle.
Deposit Rates*
Savings Products (Variable Rate)*
Account Type
Balance
Annual Percentage Yield
Dividend Rate
Savings
$100.00
0.10%
0.10%
Money Market***
Up to $50,000.00
1.26%
1.25%
$50,000.01 - $100,000.00
1.51%
1.50%
$100,000.01 - $350,000.00
1.76%
1.75%
$350,000.01 & Greater
2.02%
2.00%
Chistmas Club
0.10%
0.10%
Vacation Club
0.10%
0.10%
Traditional IRA Savings2
0.50%
0.50%
Roth Ira Savings
0.50%
0.50%
Educational IRA Savings
0.50%
0.50%
* For the purposes of this disclosure, this is a rate and APY as of the last dividend declaration date of 4-12-24. These Dividend Rate(s) and Annual Percentage Yield(s) shown above may change at any time as determined by Our Board of Directors.
*** All deposited funds earn the rate for the tier that reflects the average daily balance at the end of the dividend period.
Savings Products (Fixed Rate)1
Account Type
Minimum Balance Requirements
Balance
Term
Annual Percentage Yield
Dividend Rate
Share Certificate
$1,000.00
$1,000.00 - $49,999.99
6 Month
1.20%
1.19%
$50,000.00 - $99,999.99
1.25%
1.24%
$100,000.00 & Greater
1.30%
1.29%
Share Certificate
$1,000.00
$1,000.00 - $49,999.99
12 Month
1.60%
1.59%
$50,000.00 - $99,999.99
1.65%
1.64%
$100,000.00 & Greater
1.70%
1.69%
IRA Certificate
$1,000.00
$1,000.00 - $49,999.99
12 Month
1.60%
1.59%
$50,000.00 - $99,999.99
1.65%
1.64%
$100,000.00 & Greater
1.70%
1.69%
Teen Share Certificate
$100.00
6 Month
1.20%
1.19%
$100.00
12 Month
1.60%
1.59%
1For the purposes of this disclosure, this is a rate and APY that was offered within the most recent seven calendar days and was accurate as of the effective date shown herein. For more current rates, please call (570) 342-2720.
All deposited funds earn the rate for the tier that reflects the average daily balance at the end of the dividend period.
Looking for a different rate or term? Stop by any branch or give us a call to see more options!
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