Rates & Fees

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^(†) Pledge Share Account rate same as Regular Savings Share Account.

⁽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 principal 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⁾ The Home Equity Line of Credit (Line of Credit) introductory rate of 3.99% APR is available for all new Lines of Credit for a 12-month period of time from the opening date of the Line of Credit. Introductory rate available to new Lines of Credit only. Minimum of $5,000 per Line of Credit. The introductory APR will terminate at the end of the 12-month introductory period. No notice of termination to the borrower is required. Upon expiration of the introductory rate, the variable rate stated in borrower’s Loan Disclosure applies. 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 8.25%. During that period, you would make 180 monthly payments of $145.52. 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. Your rate will be based on your credit history and other factors 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 Lines of Credit are only available in PA, NJ, NC, SC, DE, MD and FL. Other charges may apply for loans secured by property outside PA and NJ and are the responsibility of the borrower. Offer of credit is subject to credit approval. Fees that PFCU pays on borrower’s behalf will be recaptured and will be the responsibility of the borrower if the loan is paid off within the first three (3) years. Consult a tax advisor regarding the deductibility of interest.

⁽⁷⁾ APR = Annual Percentage Rate. This is the Credit Union's best rate. Rates and approval may vary depending on each borrower's credit history/eligibility, underwriting criteria and market conditions. Offer of credit is subject to credit approval. The available terms are subject to change without notice. Cannot be combined with any other offer and excludes all loans already financed at Philadelphia Federal Credit Union. Fees that PFCU pays on your behalf will be recaptured if the loan is paid off within first three years. For each $10,000.00 borrowed at 4.99% APR over a term of 180 months, pay approximately $79.02 per month. $25,000 minimum and $250,000 maximum loan amounts. Offer is valid for 80% loan-to-value up to a 15-year term. Property must be owner-occupied. Loan to be financed must be in first-lien position. We will lend in PA, NJ, NC, SC, DE, MD and FL. Some fees may apply for properties outside Pennsylvania and New Jersey. Property insurance is required and flood insurance may be required. Consult a tax advisor regarding the deductibility of interest.

⁽⁸⁾ Interest rates shown here are available to borrowers with an excellent credit history. The actual rate will be affected by credit score, loan to value and property type and may be different than the displayed rates. Actual APR will vary based on the amount of the transaction and other pre-paid charges. For a 60 day rate lock add .25% to the point program selected.