Savings Rates Effective December 1st, 2021

Account
Rate
APY (annual percentage yield)
Dividends Paid
Regular Savings/Club Accounts
0.01%
0.01%
Monthly
Direct Advantage Plus Checking Account
1.00%
1.00%
Monthly
IRA Accounts $100.01-$2500
0.05%
0.05%
Quarterly
IRA Accounts $2,500-$25,000
0.20%
0.21%
Quarterly
IRA Accounts $25,000.01-$100,000
0.25%
0.26%
Quarterly
IRA Accounts $100,000.01-$250,000
0.30%
0.31%
Quarterly
IRA Accounts $250,000.01-$500,000)
0.40%
0.41%
Quarterly
IRA Accounts $500,000.01+
0.50%
0.51%
Quarterly
Money Market $100.01-$2500.00
0.05%
0.05%
Quarterly
Money Market $2,500-$25,000
0.05%
0.05%
Quarterly
Money Market $25,000.01-$100,000
0.10%
0.10%
Quarterly
Money Market $100,000.01-$250,000
0.15%
0.15%
Quarterly
Money Market $250,000.01-$500,000
0.25%
0.25%
Quarterly
Money Market $500,000.01+
0.35%
0.35%
Quarterly
Grow with Me CD/Save to Win CD (minimum $25)
0.50%
0.50%
Quarterly
Jumbo CD (3 mos) Minimum $250K
0.30%
0.30%
Annually
Jumbo CD (3 mos) Minimum $500K
0.45%
0.45%
Annually
Jumbo CD (3 mos) Minimum $1M
0.60%
0.60%
Annually
Jumbo CD (3 mos) Minimum $3M-Maximum $6M
0.60%
0.60%
Annually
Relationship CD
0.60%
0.60%
Annually
CD Special
0.75%
0.75%
Annually
CD: Tier I (MINIMUM $500)
Rate
APY (annual percentage yield)
Dividends Paid
6 MOS
0.15%
0.15%
Annually
12 MOS
0.18%
0.18%
Annually
18 MOS
0.23%
0.23%
Annually
24 MOS
0.31%
0.31%
Annually
36 MOS
0.50%
0.50%
Annually
48 MOS*
0.60%
0.60%
Annually
60 MOS*
0.70%
0.70%
Annually
CD: Tier II (Minimum $10,000)
Rate
APY (annual percentage yield)
Dividends Paid
6 MOS
0.15%
0.15%
Annually
12 MOS
0.18%
0.18%
Annually
18 MOS
0.23%
0.23%
Annually
24 MOS
0.31%
0.31%
Annually
36 MOS
0.75%
0.75%
Annually
48 MOS*
0.85%
0.85%
Annually
60 MOS*
1.00%
1.00%
Annually
CD: Tier III (Minimum $50,000)
Rate
APY (annual percentage yield)
Dividends Paid
6 MOS
0.15%
0.15%
Annually
12 MOS
0.18%
0.18%
Annually
18 MOS
0.23%
0.23%
Annually
24 MOS
0.31%
0.31%
Annually
36 MOS
0.44%
0.44%
Annually
48 MOS*
0.46%
0.46%
Annually
60 MOS*
0.50%
0.50%
Annually
CD: Tier IV (Minimum $100,000)
Rate
APY (annual percentage yield)
Dividends Paid
6 MOS
0.18%
0.18%
Annually
12 MOS
0.21%
0.21%
Annually
18 MOS
0.27%
0.27%
Annually
24 MOS
0.35%
0.35%
Annually
36 MOS
0.80%
0.80%
Annually
48 MOS*
0.90%
0.90%
Annually
60 MOS*
1.05%
1.05%
Annually
CD: Tier V (Minimum $250,000)
Rate
APY (annual percentage yield)
Dividends Paid
6 MOS
0.21%
0.21%
Annually
12 MOS
0.26%
0.26%
Annually
18 MOS
0.33%
0.33%
Annually
24 MOS
0.40%
0.40%
Annually
36 MOS
0.80%
0.80%
Annually
48 MOS*
0.90%
0.90%
Annually
60 MOS*
1.05%
1.05%
Annually

APY = Annual Percentage Yield Fees may reduce the earnings on your account. Monthly Rates listed above are the rates paid last quarter/month. Rates are subject to change at any time. Certificates will automatically renew at maturity unless redeemed. The renewed certificate will earn the current rate at the time of renewal.

* Product features a great “Step Up” feature where you can adjust your interest rate if it goes up. Ask your rep for details!

**Current CD Special will roll at maturity to a 24 month CD and fall in the tier based on it's balance at maturity. 365 day penalty for early withdrawal applies.

 

Loan Rates Effective December 1, 2021

Loan Type
Term
APR as low as*
New/Used Vehicle
UP TO 72 MOS(2016 and newer)
2.74%
UP TO 84 MOS (2019 and newer)
3.74%
Personal Powersports and Small Boats
UP TO 60 MOS
4.49%
61-84 MOS
4.99%
Boats > 18�, Motor Homes, Fifth Wheels, Travel Trailers & Harley Davidson Motorcycles
UP TO 84 MOS ($5K MIN)
4.24%
UP TO 180 MOS ($25K MIN)
3.99%
UP TO 240 MOS ($50K MIN)
3.99%
Mortgage
Up to 30 Year Fixed
Daily rates vary
Home Equity* (up to 180 mos)
Up to 80% LTV*
5.00%
Up to 90% LTV*
5.75%
Variable Rate HE/HELOC
Up to 80% LTV*
3.49%
Up to 90% LTV*
3.74%
Anyday/Next Gen Line of Credit
---
7.00%
Anyday Everyday Loan (for when life happens)
up to 36 mos
7.25%
up to 48 mos
7.50%
up to 60 mos
8.00%

* Rates and financing are offered based on applicant’s credit and the term of the loan. Rates quoted are annual percentage rates (APR).  LTV= Loan to value is the percentage of equity value PSCU will lend, using your home as collateral. Home Equity and HELOC based on LTV ratio and are not credit based. ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE