Auto Loans

Mortgage

Personal Loans

Misc Secured Loans

Home Equity Loans and HELOC

CDs

IRAs

Money Market Accounts

Share, Draft & Club Rates

Visa Cards

PCCU Disclosures

Terms & Conditions

Electronic Fund Transfers

Privacy Statement

Privacy Notice

Rate and Fee Schedule I

Rate and Fee Schedule II

Truth in Savings

Withdrawal of Funds

Funds Availability

 
PCCU Auto - Truck - Motorcycle Loan Rates


Primary borrower credit score 730+ 729-680 679-640 639-600 ≤ 599
Max Advance of MSRP 105% 105% 100% 100% 100%
Max Advance of NADA value 110% 110% 100% 100% 100%
NEW VEHICLE APR APR APR APR APR
Max Term          
84 4.21% 5.21% 6.59% NA NA
72 3.06% 4.06% 6.39% NA NA
60 2.39% 3.39% 5.49% 6.65% 21.00%
48 2.39% 3.39% 5.29% 6.45% 21.00%
36 2.39% 3.39% 4.59% 6.30% 21.00%
24 2.39% 3.39% 4.49% 6.15% 21.00%
           
USED VEHICLE          
Max Term          
72 3.24% 4.94% 6.59% NA NA
60 2.39% 3.39% 5.59% 7.56% 21.00%
48 2.39% 3.39% 5.49% 7.36% 21.00%
36 2.39% 3.39% 4.89% 7.26% 21.00%
24 2.39% 3.39% 4.74% 7.16% 21.00%

Open a new Checking Account with initial $1,000 deposit or Direct Deposit and receive an additional .10% DISCOUNT off your approved Auto Loan rate!

Pricing is based on your beacon score, and term of loan. Rates are subject to change.

To learn more about your credit score go to www.equifax.com or call your local PCCU branch.

 


 

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Mortgage Rates

To see our current mortgage rates, please visit the PCCU Mortgage Center.

   
 

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  Personal Loan Rates

  Tier A+ Tier A Tier B Tier C Tier D
Primary borrower credit score 730+ 729-680 679-640 639-600 ≤ 599
  APR APR APR APR APR
1-36 months 8.69% 8.94% 10.44% 16.54% 21.00%
37-60 months 8.94% 9.24% 10.74% 16.84% 21.00%
 


Sample Payment:
If you borrow $10,000 at 9.00% APR for 48 months you will make 48 payments of $248.83. You will pay $1,943.84 in interest over the life of the loan. Your total payback amount will be $11,943.84.


Rates subject to change without notice.

 

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  Other Secured: Boat - RV - ATV - Mobile Home -
Classic Auto - Other non-titled


  Tier A+ Tier A Tier B Tier C Tier D
Primary borrower credit score 730+ 729-680 679-640 639-600 ≤ 599
  APR APR APR APR APR
1-60 Months 3.49% 3.59% 4.79% 10.00% 21.00%
61-120 Months 4.69% 4.79% 5.99% 11.20% 21.00%
121-180 Months 5.69% 5.79% 6.99% 12.20% 21.00%
 


Sample Payment:
If you borrow $10,000 at 6.00% APR for 48 months you will make 48 payments of $234.83. You will pay $1,271.84 in interest over the life of the loan. Your total payback amount will be $11,271.84.


Rates subject to change without notice.

 

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Home Equity-Closed-End Fixed Rates

  Tier A+ Tier A Tier B Tier C Tier D
Primary borrower credit score 730+ 729-680 679-640 639-600 ≤599
  APR APR APR APR APR
10 Years 4.35% 4.55% 4.75% 6.05% 8.05%
15 Years 4.50% 4.70% 4.90% 6.20% 8.20%
 

See Policy for Max Term
Owner- Occupied: LTV 81% - 90% - add .50% to base rate above
Non-Owner Occupied: LTV 1% - 75% - add 1.50% to base rate above

 


Sample Payment:
If you borrow $10,000 at 6.00% APR for 48 months you will make 48 payments of $234.83. You will pay $1,271.84 in interest over the life of the loan. Your total payback amount will be $11,271.84.


Rates subject to change without notice.

 

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Home Equity Line of Credit (HELOC)

Primary borrower credit score 800 + 700 + 600 + < 600
  APR APR APR APR
  4.75% 6.75% 8.75% 10.75%
 



* Variable Rate Based on Prime


Rates subject to change without notice.

 

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  Certificate of Deposit Rates

Certificate Rates Minimum Balance
Required
Annual
Percentage Rate
Annual
Percentage Yield
3 Month CD
IRA CD
$1,000.00
$1,000.00
0.10%
0.10%
0.10%
0.10%
6 Month CD
IRA CD
$1,000.00
$1,000.00
0.15%
0.15%
0.15%
0.15%
9 Month CD
IRA CD
$1,000.00
$50,000.00
$1,000.00
0.20%
0.30%
0.20%
0.20%
0.30%
0.20%
1 Year CD
Jumbo CD
IRA CD
$500.00
$50,000.00
$500.00
0.25%
0.35%
0.25%
0.25%
0.35%
0.25%
SuperSaver CD $500.00 0.35% 0.35%
15 Month CD
Jumbo CD
IRA CD
$500.00
$50,000.00
$500.00
0.35%
0.45%
0.35%
 0.35%
 0.45%
 0.35%
18 Month CD
Jumbo CD
IRA CD
$500.00
$50,000.00
$500.00
0.40%
0.50%
0.40%
0.40%
0.50%
0.40%
2 Year CD
Jumbo CD
IRA CD
$500.00
$50,000.00
$500.00
1.25%
1.35%
1.25%
1.26%
1.36%
1.26%
3 Year CD
Jumbo CD
IRA CD
$500.00
$50,000.00
$500.00
0.70%
0.80%
0.70%
0.70%
0.80%
0.70%
4 Year CD
Jumbo CD
IRA CD
$500.00
$50,000.00
$500.00
1.20%
1.30%
1.20%
1.21%
1.31%
1.21%
5 Year CD
Jumbo CD
IRA CD
$500.00
$50,000.00
$500.00
1.75%
1.85%
1.75%
1.76%
1.87%
1.76%
 


 


Rates subject to change without notice.

 

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  Traditional / Roth Club IRA Rates

Traditional / Roth Club IRA Rates Annual
Percentage Rate
Annual
Percentage Yield
IRA's & HSA's .50% .50%

Dividends are paid quarterly and calculated from day of deposit to day of withdrawal.
 


Dividends are paid quarterly and calculated from day of deposit to day of withdrawal.


Rates subject to change without notice.

 

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  Diamond Money Market Account Rates

Diamond Money
Market Accounts
Min. Balance Required Annual
Percentage Rate
Annual
Percentage Yield
Tier 3 $25,000.00> .30% .30%
Tier 2 $10,000 -
$24,999.99
.25% .25%
Tier 1 $2,500.00 -
$9,999.99
.20% .20%

*If your Diamond Money Market Account falls below the minimum $2,500 balance, you will be assessed a $20 fee; and no interest will be paid for each month that the account balance remains below the minimum.  Rates subject to change without notice.
 


*If your Diamond Money Market Account falls below the minimum $2,500 balance, you will be assessed a $20 fee; and no interest will be paid for each month that the account balance remains below the minimum.

 

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  Share, Draft, and Club Rates

Diamond Savings Annual Percentage Rate Annual Percentage Yield
$7,500 .50% .50%
 
Regular Shares Annual Percentage Rate Annual Percentage Yield
Tier 4: $1,000.00> 0.25% 0.25%
Tier 3: $500.00 - $999.99 0.10% 0.10%
Tier 2: $100.00 - $499.99 0.05% 0.05%
Tier 1: $.01 - $99.99 0.00% 0.00%
Dividends are paid quarterly and calculated from day of deposit to day of withdrawal.    
Club For (Misc. Future Expenses) Accounts 0.05% 0.05%
Vacation Club 0.05% 0.05%
Christmas Club (paid 10/31/16) 0.05% 0.05%
Youth Club 0.10% 0.10%
 
Ultimate Checking* Annual Percentage Rate Annual Percentage Yield
Tier 3: $10,000+ 1.00% 1.00%
Tier 2: $500.00 - $9,999.99 3.00% 3.04%
Tier 1: $.01 - $499.99 3.00% 3.04%


*To receive 3.04% APY on your Ultimate Checking do the following each monthly qualification cycle:

       1)  Make 10 debit card purchases of a minimum of $20 each
       2)  Use PCCU's Online Banking (at least one log in)
       3)  Receive e-Statements
       4)  Receive 1 direct deposit

If you miss a monthly qualification cycle, don't worry! You will still enjoy free checking and there's no penalty for not qualifying in a given monthly qualification cycle.  Plus, you get a base 0.10% APY** and you get right back to making 3.04% APY the next cycle you qualify.

*Dividends paid monthly.  APY is based on the average daily balance on your PCCU checking account.
** Base Checking rates: $0 - $499.99: 0%, $500 and above: 0.10% APY

 

Dividends are paid quarterly and calculated from day of deposit to day of withdrawal.

** Declared and paid at maturity 10/31

*If your Diamond Savings Account falls below the minimum balance, you will be assessed a $10 fee for each month that the account balance remains below the minimum and no interest will be paid.

 


Rates subject to change without notice.

 

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Visa Card Rates



Beacon Score Rewards Card Annual
Percentage Rate

Non-Rewards Card Annual
Percentage Rate

800 + 9.75% 7.75%
700 - 799% 11.75% 9.75%
600 - 699 14.75% 13.75%
< 600 18.75% 17.75%
 


Rates are tied to prime and are subject to change without notice.


 

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