How can We Help You?
Access your account at PFCU 24hr a day with Home Banking or call us at 1(877)PFCU4YO (732-8496) or call/text us at (404) 297-9797.
+1877 732 8496
+1404 297 9797

Loan Rates are accurate as of October 2, 2024. Rates and other terms may change at any time without prior notice. For variable rate loans a floor rate may be applicable.

Loan Type
Annual Percentage Rate
New Auto Loan As low as 4.99%
Pre-Owned Auto Loan As low as 5.49%
Personal Loan As low as 7.99%
Signature Loan As low as 7.99%
Share/CD Secured Loan 3.00% above existing dividend
New Motorcycle Loan As low as 6.99%
Used Motorcycle Loan As low as 8.24%
New RV Loan As low as 7.99%
Used RV Loan As low as 9.24%
555 Loan Fixed at 5.00% up to 5 years
Vocational Income Program Loan Fixed at 5.99% up to 5 years
Emergency Loan As low as 11.99%
Student Deferred Loan As low as 6.99%
Student Loan As low as 6.99%
Home Equity Line of Credit As low as Wall Street Journal Prime*
VISA® Credit Card As low as 9.90%

*With a floor rate of 4.99%

Credit subject to approval. Payment does not include taxes and insurance; actual payment may be greater. Rates posted are indications only and are subject to change without notice. Your actual rate may be different, as many factors go into providing you with a loan. Rates shown are available to qualified borrowers.

Account Access
Access your accounts at PFCU 24 hours a day with Home Banking.

Dividend Rate is accurate as of November 1, 2024. Rates and other terms may change at any time without prior notice.

Account Type Dividend Rate Annual Percentage Yield (APY)

Share Savings
$100 - $2,499.99
$2,500 - $9,999.99
$10,000 - $49,999.99
$50,000 & above


0.25%
0.25%
0.25%
0.25%


0.25%
0.25%
0.25%
0.25%

Money Market Savings
$0 - $4,999.99
$5,000 - $9,999.99
$10,000 - $49,999.99
$50,000 - $99,999.99
$100,000 & above


0.50%
0.50%
0.50%
0.50%
1.00%


0.50%
0.50%
0.50%
0.50%
1.00%

Platinum Secure Checking
$500 - $999.99
$1,000 - $4,999.99
$5,000 & above


0.05%
0.05%
0.05%


0.05%
0.05%
0.05%

Student Interest Checking
$500 - $999.99
$1,000 - $4,999.99
$5,000 & above


0.05%
0.05%
0.05%


0.05%
0.05%
0.05%
Youth Savings

4.25%

4.32%

College Savings Plan

4.00%

4.08%

Regular and IRA Certificate of Deposit (CD) Rates $1,000 Minimum Investment

*Dividend Rate is accurate as of November 1, 2024. Rates and other terms may change at any time without prior notice. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.

Terms Dividend Rate Annual Percentage Yield (APY)

6 months
$1,000 - $9,999
$10,000 - $24,999
$25,000 - $99,999
above $100,000


4.00%
4.00%
4.00%
4.00%


4.06%
4.06%
4.06%
4.06%

12 months
$1,000 - $9,999
$10,000 - $24,999
$25,000 - $99,999
above $100,000


4.00%
4.00%
4.00%
4.00%


4.06%
4.06%
4.06%
4.06%

24 months
$1,000 - $9,999
$10,000 - $24,999
$25,000 - $99,999
above $100,000


3.25%
3.25%
3.25%
3.25%


3.29%
3.29%
3.29%
3.29%

36 months
$1,000 - $9,999
$10,000 - $24,999
$25,000 - $99,999
above $100,000


3.25%
3.25%
3.25%
3.25%


3.29%
3.29%
3.29%
3.29%

60 months
$1,000 - $9,999
$10,000 - $24,999
$25,000 - $99,999
above $100,000


3.25%
3.25%
3.25%
3.25%


3.29%
3.29%
3.29%
3.29%

 

Account Access
Access your accounts at PFCU 24 hours a day with Home Banking .

The following fees may be assessed against your account and the following transaction limitations, if any, applied to your account.

Share/Savings Account
One time Membership Fee $20.00
Monthly Fee No Fee
Deposit Fee No Fee
Withdrawals up to six month No Fee
Withdrawals in excess of six a month $1.00 per transaction
Home Banking No Fee
Dividend (declared quarterly) Deposit Rates (see above)
Cash/Coin Deposit & Withdrawal up to $10,000/month No Fee
Cash/Coin Deposit & Withdrawal in excess of $10,000/month $0.12 per $100
Other Fees Miscellaneous Fees(see below)
Platinum Secure Checking Account
Monthly Fee No Fee
Number of Transactions Unlimited
Teller Transactions Unlimited
Home Banking No Fee
Bill Pay No Fee is used
Dividend Deposit Rates (see above)
E-Statement with Check Images Free
Starter Checks 10 Free
View/Print Online Check Images up to 2 years No Fee
Overdraft Protection from other Accounts No Fee
Discretionary Overdraft Privilege Up to $50,000
Cash/Coin Deposit & Withdrawal up to $10,000/month No Fee
Cash/Coin Deposit & Withdrawal in excess of $10,000/month $0.12 per $100
Other Fees Miscelleneous Fees(see below)
Platinum Simple Checking Account
Monthly Fee No Fee
Number of Transactions Unlimited
Teller Transactions Unlimited
Home Banking No Fee
Bill Pay No Fee is used
Dividend No Dividend
E-Statement with Check Images Free
Starter Checks 10 Free
View/Print Online Check Images up to 2 years No Fee
Overdraft Protection from other Accounts No Fee
Discretionary Overdraft Privilege Up to $50,000
Cash/Coin Deposit & Withdrawal up to $10,000/month No Fee
Cash/Coin Deposit & Withdrawal in excess of $10,000/month $0.12 per $100
Other Fees Miscelleneous Fees(see below)
Money Market Account
Monthly Fee if average daily balance above $1,000 No Fee
Monthly Fee if average daily balance below $1,000 $10.00 per month
Up to six withdrawals or transfers per month No Charge
Withdrawals or transfers in excess of six per month No Fee
Dollar limits on deposits or withdrawals No Limits
Home Banking No Fee
Dividend (tiered rate and credited monthly) Deposit Rates (see above)
Cash/Coin Deposit & Withdrawal up to $10,000/month No Fee
Cash/Coin Deposit & Withdrawal in excess of $10,000/month $0.12 per $100
Other Fees Miscelleneous Fees(see below)

Account Access
Access your accounts at PFCU 24 hours a day with Home Banking.

The following fees may be assessed against your account and the following transaction limitations, if any, applied to your account.

Loans Fee Schedule
New & Used Auto Loan
Loan up to $5,000
Loan in excess of $5,000
$30.00 per loan
$100.00 per loan
Personal Loan
Loans up to $5,000
Loans from $5,001 to $49,900
$30.00 per loan
See Personal Loan Sheet
Signature Loan
Loan up to $10,000
Loan up to $49,900
$100.00 per loan
See Signature Loan Sheet
Mortgage Loan
Loans up to any amount permissible
1% of loan amount
Home Equity Line of Credit (HELOC)
Loans up to $300,000
1% of loan amount
Student Loan
Loans up to $10,000
$20.00 per loan
Emergency Loan
Loans up to $5,000
$25.00 per loan
Share/CD Secured Loan
Loans up to any Secured Share/CD amount
$20.00 per loan
VISA® Credit Card
Credit Limits up to $10,000
$0.00 to $49.00 based on credit worthiness

Account Access
Access your accounts at PFCU 24 hours a day with Home Banking.

The following fees may be assessed against your account and the following transaction limitations, if any, applied to your account.

Miscellaneous Fee Schedule
Outgoing Domestic Wire Transfer $15.00 per wire
Outgoing International Wire Transfer $34.99 per wire
Incoming Domestic Wire Transfer $5.00 per wire
Incoming International Wire Transfer $15.00 per wire
Deposit Item Return $5.00 per item
Next Day Deposit for Checks/ACH Presented $9.99 per item
Discretionary Overdraft Previlege $28.00 per item
Stop Payment Fee $20.00 per item
Counter Checks $1.00 per item
Check/ACH Return Fee (NSF Fee) $28.00 per item
Loan Deposit Return Fee $28.00 per item
Interim Statement Fee $5.00 per statement
Statement Reprint Fee $5.00 per statement
Cashier's Check Fee $5.00 per check
Manual Account to Account Balance Transfer $3.00 per transfer
Deposit/Paid Check Copy $2.00 per item
Account Research Fee $25.00 per hour
Returned Mail Fee $5.00 per occurrence
Dormant Account Fee (after 12 months of no activity) $5.00 per month
Certified Mail (Documents, Check, Cashier's Check, etc.) $5.00 per item
Levy/Garnishment $25.00
Check Order See Deluxe Website
NACHA Unauthorized Entry Fee $5.00 per item
NACHA Unauthorized Entry Credit $5.00 per item

Account Access
Access your accounts at PFCU 24 hours a day with Home Banking.

How can We Help You?
Access your account at PFCU 24hr a day with Home Banking or call us at 1(877)PFCU4YO (732-8496) or call/ text us at (404) 297-9797.
+1877 732 8496
+1404 297 9797