Rates & Fees

Here's the deal: We don’t believe in hidden fees or complicated prices. We’ll leave that to the big banks out there. We believe in being up front and honest with our members - so here's a list of the fees associated with our most commonly used services.

Member fees*
Business fees*

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Share Rates

Share Min. To Open Min. To Obtain APY Rate APY3
Regular Savings 
$5.00 $50.00 0.25% 0.25%
Health Savings
$0.00 $0.00 0.25% 0.25%
Higher Yield Savings1 $0.00 $50.00 0.25% 0.25%
$2,000 0.30% 0.30%
Money Market1 $0.00 $50.00 0.25% 0.25%
$2,500 0.30% 0.30%
$10,000 0.35% 0.35%
$25,000 0.40% 0.40%
PFCU Checking $0.00 $0.00 0.00% 0.00%
Kasasa® Cash Back Checking $0.00 $0.00 0.00% 0.00%
Kasasa® Tunes Checking $0.00 $0.00 0.00% 0.00%
Better Checking1 $0.00 $1,000 0.15% 0.15%
  $5,000 0.20% 0.20%
$10,000 0.20% 0.20%
Senior Checking1 $0.00 $500 0.15% 0.15%
$5,000 0.20% 0.20%
$10,000 0.20% 0.20%
Vacation and Holiday $0.00 $50.00 0.20% 0.20%
IRA Savings2 $0.00 $50.00 0.45% 0.45%

Business Share Rates

Share Min. To Open Min. To
Obtain APY
Rate APY3
Free Business Checking $100.00 $0.00
0.00%
0.00%
Business Primary Savings $5.00 $50.00 0.25% 0.25%
Growth Checking $0.00 $2,500 0.10% 0.10%
$5,000 0.15% 0.15%
$10,000 0.20% 0.20%
Money Market $0.00 $1,000 0.25% 0.25%
$2,500 0.30% 0.30%
$10,000 0.40% 0.40%
Sweep Savings $0.00 $2,500 0.10% 0.10%
$5,000
0.15%
0.15%
$10,000
0.20%
0.20%

Certificates Rates

Account Rate APY4 Min.
Amount

Savings Certificates

3 Month 0.30% 0.30% $250
6 Month 0.40%
0.40%
$250
1 Year 0.65%
0.65%
$500
2 Year 1.10%
1.10%
$500
30 Month 1.20%
1.20%
$500
3 Year 1.39%
1.40%
$500
4 Year 1.64%
1.65%
$500
5 Year 1.88%
1.90%
$500

$10,000 Jumbo Certificate

3 Month 0.35% 0.35% $10,000
6 Month 0.50%
0.50%
$10,000
1 Year 0.75%
0.75%
$10,000
2 Year 1.20%
1.20%
$10,000
30 Month 1.30%
1.30%
$10,000
3 Year 1.59%
1.60%
$10,000
4 Year 1.84%
1.85%
$10,000
5 Year 2.13%
2.15%
$10,000

$25,000 Jumbo Certificate

3 Month 0.35%
0.35%
$25,000
6 Month 0.50%
0.50%
$25,000
1 Year 0.75%
0.75%
$25,000
2 Year 1.20%
1.20%
$25,000
30 Month 1.30%
1.30%
$25,000
3 Year 1.59%
1.60%
$25,000
4 Year 1.84%
1.85%
$25,000
5 Year 2.13%
2.15%
$25,000

Loan Rates

Loan Type Rate
New Auto Loan as low as 1.99% APR5
Used Auto Loan as low as 1.99% APR5
Home Equity Loan as low as 3.24% APR5
Home Equity Line of Credit variable as low as 3.25% APR6
PFCU Credit Line as low as 13.40% APR5
Personal Loan as low as 9.50% APR5
Boat Loan as low as 5.50% APR5

(1) Minimum daily balances as stated are required to earn higher dividend rates and yields on these accounts.

(2) IRA Accounts are insured separately from your Regular Savings Accounts up to $250,000 by the National Credit Union Administration.

(3) The Annual Percentage Yield assumes that dividends remain on deposit and are added to a starting principal balance of the minimum amount to obtain the APY on all savings and checking accounts. Other terms and conditions apply. All rates are subject to change without prior notice. Dividends are compounded daily and credited monthly on the last day of each month for Health Savings Accounts.

(4) The Annual Percentage Yield on Certificates assumes that dividends remain on deposit and are added to the starting minimum deposit principle balance. Withdrawal of dividends, or withdrawal from the starting minimum deposit balance will reduce actual earnings. For early withdrawal, we may impose a penalty of 90 days dividends on certificates of less than one year, and 180 days dividends on certificates of one year or more. Other terms and conditions apply. All rates are subject to change without prior notice. Dividends are compounded daily and credited monthly on the last day of each month for Savings Certificates, and IRA Certificates.

(5) APR = Annual Percentage Rate. Rates may vary depending on each borrower's credit history and underwriting factors. This is the credit union's best rate.

(6) APR = Annual Percentage Rate. This plan has a variable rate feature. The Annual Percentage Rate (corresponding to the prime rate) and the minimum payment during the draw and the repayment periods can change as a result. Minimum payment example: If you made only the minimum payments and took no other credit advances, it would take 180 months to pay off a credit advance of $15,000.00 at an annual percentage rate of 3.00%. During that period, you would make 180 monthly payments of $103.62. Maximum rate and payment example: If you had an outstanding balance of $15,000.00 during the draw period and took no credit advances, the minimum payment at the maximum annual percentage rate of 18.00% would be $241.49. If you had an outstanding balance of $15,000.00 during the repayment period, the minimum payment at a maximum annual percentage rate of 18.00% would be $241.49. Our rates are based on the prime rate as published in the Wall Street Journal with a floor of 3.25% on lines of credit up to $250,000 and are valid for 80% loan to value. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change without notice. The maximum APR that can apply is 18%. Property insurance is required, and Flood insurance may be required. Home Equity Loans are only available in PA, NJ, DE, MD and FL. Other charges may apply for loans outside of PA and NJ. Offer of credit is subject to credit approval. All closing costs are paid by the credit union but if the loan is paid off within three years, the member is responsible for reimbursing the credit union for fees paid. Consult a tax advisor regarding the deductibility of interest.

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I have been a customer for over 17 years.  PFCU has competitive rates, personable customer service, and your loan processes are very user friendly.   

Tom Flynn
Member since 1998

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