Account Rates
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Checking Rates
Account APY** Minimum to Earn Yield Payback Checking None - Rewards Checking 0.05%
5.00%
0.25%If terms not met
$1.00+
$15,000.00+Mega Interest Checking* 0.15%
0.15%
0.15%
0.20%
0.20%$1,500.00+
$10,000.00+
$25,000.00+
$50,000.00+
$100,000.00+Interest Checking** 0.15% $1,500.00+ Fresh Start Checking None - Fees could reduce earnings on account. Rates effective April 08, 2025
**No longer available to new accounts
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Savings Rates
Account APY** Minimum to Earn Yield Holiday Club 0.01% $1.00 IRA Savings 1.00% $100.00 Little Piggy 1.50%
0.70%$1.00+
$500.00+Cash Management 0.15%
0.20%
0.25%
0.25%$1.00+
$10,000.00+
$25,000.00+
$50,000.00+Money Market 0.40%
1.15%
1.15%
2.00%
2.15%
3.75%$1.00+
$10,000.00+
$25,000.00+
$50,000.00+
$100,000.00
$500,000.00+High Yield Money Market 0.30%
3.75%
3.75%$1.00+
$10,000.00+
$500,000.00+Regular Shares** 0.25% $100.00 High Interest Savings** 1.70%
0.15%$100.00
$100,000.00+Fees could reduce earnings on account. Rates effective April 08, 2025
**No longer available to new accounts
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Certificate Rates
Term $1,000.00 - $49,999.99 $50,000.00 6 Month 3.590% 3.65% 3.590% 3.65% 12 Month 3.832% 3.90% 3.832% 3.90% 24 Month 3.590% 3.65% 3.590% 3.65% 36 Month 3.494% 3.55% 3.494% 3.55% 48 Month 3.445% 3.50% 3.445% 3.50% 60 Month 3.445% 3.50% 3.445% 3.50% Rates effective April 08, 2025
Minimum Amount to Open – $1,000.00. Interest is accrued daily and posted monthly.
Early withdrawal of principal on a 6 month certificate is $75.00 or 90 days of dividend earned or not, whichever is greater.
Early withdrawal of principal on a 9, 12, or 24 month certificate is $150.00 or 180 days of dividend earned or not, whichever is greater.
Early withdrawal penalty on a 36, 48 or 60 month certificate is $300.00 or 365 days of dividends earned or not, whichever is greater.
*At maturity, the 9-month certificate will auto-renew to a 12-month term CD at the then-current published rates.
Loan Rates
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New Vehicle Loan (Car / Truck / SUV)
Term APR* Up to 36 Months 5.10% - 18.00% Up to 48 Months 5.39% - 18.00% Up to 60 Months 5.54% - 18.00% Up to 72 Months 5.89% - 18.00% Up to 84 Months 6.49% - 18.00% Used Vehicle Loan (Car / Truck / SUV)
Term APR* Up to 36 Months 5.10% - 18.00% Up to 48 Months 5.39% - 18.00% Up to 60 Months 5.54% - 18.00% Up to 72 Months 5.89% - 18.00% Vehicle Lease
Term APR* Up to 48 Months 5.74% - 15.24%
Fees could reduce earnings on account. Rates effective April 08, 2025
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Home Loans
Term APR* Home Mortgage & Home Refinance Rates for home loans change daily. Click here for current rates.
Fees could reduce earnings on account. Rates effective April 08, 2025
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Boat, RV and Motorcycle Loans
Boat, RV and Motorcycle Loans Term APR* New and Used Boat/Camper/Motor Home 1 - 120 Months 7.99% – 15.49% New and Used Motorcycle/ATV/Personal Watercraft 1 - 60 Months 7.80% – 15.09%
Fees could reduce earnings on account. Rates effective April 08, 2025
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Line of Credit and Signature Loans
Credit Limit APR* Terms Up to 2x gross monthly income 10.99% - 18.00% Payment based on 3% of member’s balance.
Fees could reduce earnings on account. Rates effective April 08, 2025
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Credit Card
Type Credit Limit APR* Terms Platinum MasterCard Up to 2x gross monthly income Prime plus 4.95%
Variable Rates
Max Rate 18.00%No annual fee. 25 day grace period on purchases. 3% minimum payment due each month. Annual Percentage Rate based on member’s credit score. See card agreement for more details.
Fees could reduce earnings on account. Rates effective April 08, 2025
Fee Schedule
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Type Fee Account Research Fee $25.00 per hour ($10.00 minimum) Account Closing/Re-Opening $25.00 per account (within 13 months) Non-Sufficient Fund Items / Courtesy Pay $33.00 per occurrence Paper Statements $5.00 per month Additional Statement Printouts $5.00 per statement printout Bad Address $5.00 per returned item Cashier’s Checks $5.00 for Memebers/$10 Non-members per check Certificate of Deposit Closing See CD Rate Disclosure Check Card Charge Back $20.00 per item Check Card Replacement $10.00 per card Non-Member PCCU Check Cashing Fee $10.00 or 10% whichever is greater Collection Items $10.00 domestic / $25.00 international Copies of Paid Checks $2.50 per copy Outgoing Wire Transfer $30.00 per domestic / $50.00 international Incoming Wire Fee $5.00 Holiday Club Withdrawal $10.00 per withdrawal if made between 2/1 – 9/30 Excessive Withdrawal Fee Varies per Account Type (see Terms of Account) Existing Prestige Loan Refinance Fee $100.00 Non-Relationship Fee $10.00 per month Notary Fee $5.00 (per item) Fax $2.00 per page Photocopy $1.00 per copy Garnishment and Levy Fee $100.00 Regular Share Withdrawal $5.00 per withdrawal (in excess of 3 per month) Replacement Cashier’s/Teller Check $30.00 per check Returned Deposit $33.00 per item Stop Payment $35.00 per item Check Cashing 1% (Of cash received on non-compensating balances) Temporary Checks $5.00 per page (4) checks Non - Prestige ATM Transaction/Inquiry $2.00 per transaction Phone Transaction Fee $2.00 per transaction Debit Card (ISA) Foreign Transaction Fee 1.00% Requested Mail Receipts $3.00
Fees effective April 08, 2025