RATES
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Mortgages
Conventional Fannie Mae Mortgage Product | Origination Fee or Lender Credit | Interest Rate | APR | |
---|---|---|---|---|
10-Year Fixed1 3 | 0.000% | 6.000% | 6.085% | |
0.375% | 5.875% | 6.043% | ||
0.750% | 5.750% | 6.001% | ||
1.125% | 5.625% | 5.960% | ||
1.500% | 5.500% | 5.918% | ||
15-Year Fixed1 3 | 0.000% | 6.000% | 6.060% | |
0.375% | 5.875% | 5.994% | ||
0.750% | 5.750% | 5.927% | ||
1.125% | 5.625% | 5.861% | ||
1.500% | 5.500% | 5.794% | ||
15-Year Fixed Jumbo2 3 | 0.000% | 6.000% | 6.016% | |
0.375% | 5.875% | 5.950% | ||
0.750% | 5.750% | 5.883% | ||
1.125% | 5.625% | 5.816% | ||
1.500% | 5.500% | 5.750% | ||
20-Year Fixed1 2 3 | -0.332% | 6.375% | 6.424% | |
0.177% | 6.250% | 6.321% | ||
30-Year Fixed1 2 3 | -0.353% | 6.875% | 6.913% | |
0.144% | 6.750% | 6.802% |
Conventional Fannie Mae Mortgage Product | Origination Fee or Lender Credit | Interest Rate | APR | |
---|---|---|---|---|
5/30 ARM1 3 | 0.000% | 6.000% | 7.028% | |
0.375% | 5.875% | 7.015% | ||
0.750% | 5.750% | 6.995% | ||
1.125% | 5.625% | 6.974% | ||
1.500% | 5.500% | 6.953% | ||
7/30 ARM1 3 | 0.000% | 6.125% | 6.873% | |
0.375% | 6.000% | 6.846% | ||
0.750% | 5.875% | 6.818% | ||
1.125% | 5.750% | 6.791% | ||
1.500% | 5.625% | 6.763% | ||
7/30 ARM Jumbo2 3 | 0.000% | 6.125% | 6.847% | |
0.375% | 6.000% | 6.819% | ||
0.750% | 5.875% | 6.792% | ||
1.125% | 5.750% | 6.764% | ||
1.500% | 5.625% | 6.737% |
Conventional Fannie Mae Mortgage Product | Origination Fee or Lender Credit | Interest Rate | APR | |
---|---|---|---|---|
15-Year Fixed Rate Non-Owner Occupied2 3 4 5 | -0.049% | 7.375% | 7.446% | |
0.172% | 7.250% | 7.349% | ||
30-Year Fixed Rate Non-Owner Occupied2 3 4 5 | -0.062% | 6.875% | 6.918% | |
0.490% | 6.750% | 6.841% |
EXPRESS Refinance
PFFCU EXPRESS Refi Mortgage | Origination Fee or Lender Credit | Interest Rate | APR | |
---|---|---|---|---|
10-Year Fixed Rate1 2 | 0.000% | 6.000% | 6.110% | |
0.375% | 5.875% | 6.069% | ||
0.750% | 5.750% | 6.027% | ||
1.125% | 5.625% | 5.985% | ||
1.500% | 5.500% | 5.944% | ||
15-Year Fixed Rate1 2 | 0.000% | 6.000% | 6.078% | |
0.375% | 5.875% | 6.012% | ||
0.750% | 5.750% | 5.945% | ||
1.125% | 5.625% | 5.879% | ||
1.500% | 5.500% | 5.812% | ||
15-Year Fixed Rate Jumbo2 3 | 0.000% | 6.000% | 6.021% | |
0.375% | 5.875% | 5.954% | ||
0.750% | 5.750% | 5.888% | ||
1.125% | 5.625% | 5.821% | ||
1.500% | 5.500% | 5.754% | ||
20-Year Fixed Rate1 2 | 0.000% | 6.375% | 6.438% | |
0.375% | 6.250% | 6.360% | ||
0.750% | 6.125% | 6.282% | ||
1.125% | 6.000% | 6.204% | ||
1.500% | 5.875% | 6.062% | ||
5/30 ARM1 2 | 0.000% | 6.000% | 7.039% | |
0.375% | 5.875% | 7.026% | ||
0.750% | 5.750% | 7.005% | ||
1.125% | 5.625% | 6.985% | ||
1.500% | 5.500% | 6.987% | ||
7/30 ARM1 2 | 0.000% | 6.125% | 6.884% | |
0.375% | 6.000% | 6.857% | ||
0.750% | 5.875% | 6.829% | ||
1.125% | 5.750% | 6.801% | ||
1.500% | 5.625% | 6.774% | ||
7/30 ARM Jumbo2 3 | 0.000% | 6.125% | 7.233% | |
0.375% | 6.000% | 7.205% | ||
0.750% | 5.875% | 7.177% | ||
1.125% | 5.750% | 7.149% | ||
1.500% | 5.625% | 7.121% |
Home Equity
Annual Percentage Rates (APRs) are effective as of July 27, 2024 and are subject to change.
5, 10, 15, 20 Year Home Equity Loan Rates1
Term | LTV2 | Loan Amount | APR3 | Monthly Payment per $1,0004 | |
---|---|---|---|---|---|
5 Years | Up to 80% | $50,000 – $600,000 | 6.49% | $19.56 | |
$25,000 – $49,999 | 6.99% | $19.80 | |||
10 Years | Up to 80% | $50,000 – $600,000 | 6.49% | $11.35 | |
$25,000 – $49,999 | 6.99% | $11.61 | |||
15 Years | Up to 80% | $50,000 – $600,000 | 6.49% | $8.71 | |
$25,000 – $49,999 | 6.99% | $8.98 | |||
20 Years | Up to 80% | $50,000 – $600,000 | 7.24% | $7.90 | |
5 Years | 80.01% to 100% | $50,000 – $100,000 | 7.99% | $20.27 | |
$25,000 – $49,999 | 8.49% | $20.51 | |||
10 Years | 80.01% to 100% | $50,000 – $100,000 | 7.99% | $12.13 | |
$25,000 – $49,999 | 8.49% | $12.39 | |||
15 Years | 80.01% to 100% | $50,000 – $100,000 | 7.99% | $9.55 | |
$25,000 – $49,999 | 8.49% | $9.84 |
Non-Owner-Occupied Home Equity Loan Rate5
Term | LTV2 | Loan Amount | APR3 | Monthly Payment per $1,0004 | |
---|---|---|---|---|---|
15 Years | Up to 65% | $50,000 – $200,000 | 8.99% | $10.14 | |
9.49% | $10.44 |
Annual Percentage Rates (APRs)6 are effective as of July 27, 2024 and are subject to change.
Loan to Value2 | Margin | APR | |
---|---|---|---|
Up to 80% | -0.75% | 7.75% |
Auto Loans
Annual Percentage Rates (APRs) are effective as of July 27, 2024 and are subject to change.
2025, 2024, 2023, and 2022 Model Vehicles
Loan1 | APR | Monthly Payment per $1,0002 | |
---|---|---|---|
63 months | Minimum $7,500 | 6.49% | $18.77 | |
6.74% | $18.89 | ||
7.49% | $19.25 | ||
8.49% | $19.73 |
72 months | Minimum $10,000 | 6.74% | $16.92 | |
6.99% | $17.04 | ||
7.74% | $17.41 | ||
8.74% | $17.90 |
75 months | Minimum $12,500 | 6.74% | $16.38 | |
6.99% | $16.50 | ||
7.74% | $16.86 |
84 months | Minimum $15,000 | 7.24% | $15.21 | |
7.49% | $15.33 | ||
8.24% | $15.71 |
2021 and 2020 Model Vehicles
Loan1 | APR | Monthly Payment per $1,0002 | |
---|---|---|---|
63 months | Minimum $7,500 | 6.74% | $18.89 | |
6.99% | $19.01 | ||
7.74% | $19.37 | ||
8.74% | $19.85 |
72 months | Minimum $10,000 | 6.99% | $17.04 | |
7.24% | $17.16 | ||
7.99% | $17.53 | ||
8.99% | $18.02 |
75 months | Minimum $12,500 | 6.99% | $16.50 | |
7.24% | $16.62 | ||
7.99% | $16.98 |
2019, 2018, and 2017 Model Vehicles
Loan1 | APR | Monthly Payment per $1,0002 | |
---|---|---|---|
63 months | Minimum $7,500 | 7.24% | $19.13 | |
7.49% | $19.25 | ||
8.24% | $19.61 | ||
9.24% | $20.09 |
72 months | Minimum $10,000 | 7.49% | $17.29 | |
7.74% | $17.41 | ||
8.49% | $17.77 |
Personal Loans
Rates are effective as of July 27, 2024 and are subject to change.
Monthly payment is 2.25% of the line amount with a minimum of $25.
APR | How the Variable APR Is Calculated | Minimum Rate | ||
---|---|---|---|---|
Personal Line of Credit1 2 | 13.40% | Prime + 4.9% | 8.9% | |
17.40% | Prime + 8.9% | 12.9% | ||
18.00% | Prime + 12.9% | 17.9% |
Rates are effective as of July 27, 2024 and are subject to change.
APR | Monthly Payment 60-Month Term | Monthly Payment 72-Month Term | ||
---|---|---|---|---|
Signature Loan1 2 3 | 12.90% | $22.70 | $20.02 | |
15.90% | $24.26 | $21.64 | ||
18.00% | $25.39 | $22.81 |
APR | Monthly Payment | |
---|---|---|
4.99% | $14.13 |
Credit Cards
Annual Percentage Rates (APRs) are effective as of July 27, 2024 and are subject to change.1 2
Monthly payment is 2.50% of outstanding balance with a minimum of $10.
APR | How the Variable APR Is Calculated | |
---|---|---|
14.40% | Prime + 5.9% | |
18.00% | Prime + 9.9% | |
18.00% | Prime + 14.65% |
Share Accounts
Rates are effective as of July 27, 2024 and are subject to change. APY = Annual Percentage Yield.
Share Account | Dividend Rate | APY | |
---|---|---|---|
Savings (S1) (minimum $5 deposit required) | 0.499% | 0.500% |
Rates are effective as of July 27, 2024 and are subject to change. APY = Annual Percentage Yield.
Checking (S4)2 | Dividend Rate | APY | |
---|---|---|---|
Balances greater than $10,000 | 0.499% | 0.500% | |
Balances up to $10,000 | 0.995% | 1.000% |
Rates are effective as of July 27, 2024 and are subject to change. APY = Annual Percentage Yield.
Share Account | Dividend Rate | APY | |
---|---|---|---|
Savings Plus Account (S5) | 1.982% | 2.000% |
Rates are effective as of July 27, 2024 and are subject to change. APY = Annual Percentage Yield.
Share Account | Dividend Rate | APY | |
---|---|---|---|
Premium Yield Account (S25)1 Balances $2,500 and over | 3.928% | 4.00% |
Other Share Accounts
Rates are effective as of July 27, 2024 and are subject to change. APY = Annual Percentage Yield.
Share Account | Dividend Rate | APY | |
---|---|---|---|
Education Savings Account (S18) | 1.982% | 2.000% |
Rates are effective as of July 27, 2024 and are subject to change. APY = Annual Percentage Yield.
Share Account | Dividend Rate | APY | |
---|---|---|---|
Clubs (S2/S3) | 0% | 0% |
Certificates
Rates are effective as of July 27, 2024 and are subject to change. APY = Annual Percentage Yield.
$1,000 Minimum | Dividend Rate | APY | |
---|---|---|---|
3 month | 3.928% | 4.000% | |
6 month | 3.928% | 4.000% | |
9 month | 3.928% | 4.000% | |
1 year | 3.928% | 4.000% | |
15 month | 3.928% | 4.000% | |
18 month | 3.928% | 4.000% | |
2 year | 3.928% | 4.000% | |
30 month | 3.928% | 4.000% | |
3 year | 3.928% | 4.000% | |
4 year | 3.928% | 4.000% | |
5 year | 3.928% | 4.000% |
IRA Accounts
Rates are effective as of July 27, 2024 and are subject to change. APY = Annual Percentage Yield.
$1,000 Minimum | Dividend Rate | APY | |
---|---|---|---|
3 month | 3.928% | 4.000% | |
6 month | 3.928% | 4.000% | |
9 month | 3.928% | 4.000% | |
1 year | 3.928% | 4.000% | |
15 month | 3.928% | 4.000% | |
18 month | 3.928% | 4.000% | |
2 year | 3.928% | 4.000% | |
30 month | 3.928% | 4.000% | |
3 year | 3.928% | 4.000% | |
4 year | 3.928% | 4.000% | |
5 year | 3.928% | 4.000% |
IRA Money Markets-Traditional and Roth (S6/S12)
Rates are effective as of July 27, 2024 and are subject to change. APY = Annual Percentage Yield.
Dividend Rate | APY | ||
---|---|---|---|
IRA Money Markets-Traditional and Roth (S6/S12) | 3.928% | 4.000% |