Rates and Fees

Benefit from our not-for-profit status

Save money on various loans

Earn more with our savings accounts

These numbers work in your favor.

Use our updated rates and fees to start planning.

We're a not-for-profit financial cooperative. That means we answer to members, not shareholders, so we return profits to our membership. You'll see the impact of that in the rates we offer and the lower member fees and business fees we charge. 

Checking & Savings Rates
Share Min. To Open Min. To Obtain APY Rate APY3
PFCU Checking$0.00$0.000.00%0.00%
Kasasa® Cash Back Checking$0.00$0.000.00%0.00%
Better Checking1$0.00$1,0000.10%0.10%
Better Checking1$0.00$5,0000.20%0.20%
Better Checking1$0.00$10,0000.20%0.20%
Senior Checking1$0.00$5000.10%0.10%
Senior Checking1$0.00$5,0000.20%0.20%
Senior Checking1$0.00$10,0000.20%0.20%
Share Min. To Open Min. To Obtain APY Rate APY3
Regular Savings†$5.00$50.000.10%0.10%
Pledge Share$0.00$50.000.20%0.20%
Health Savings$50.00$50.000.10%0.10%
Higher Yield Savings1$0.00$50.001.29%1.30%
Higher Yield Savings1$0.00$2,0001.29%1.30%
Higher Yield Savings1$0.00$10,0003.44%3.50%
Higher Yield Savings1$0.00$25,0003.44%3.50%
Money Market1$0.00$50.000.35%0.35%
Money Market1$0.00$2,5001.00%1.00%
Money Market1$0.00$10,0001.24%1.25%
Money Market1$0.00$25,0001.49%1.50%
Vacation and Holiday$0.00$50.000.10%0.10%
IRA Savings2$0.00$50.000.50%0.50%
Business Checking & Savings Rates

Business Checking Rates

Share Min. To Open Min. To Obtain APY Rate APY3
Free Business Checking$5.00$0.000.00%0.00%
Commercial Checking$0.00$2,5000.10%0.10%
Commercial Checking$0.00$5,0000.20%0.20%
Commercial Checking$0.00$10,0000.20%0.20%
Share Min. To Open Min. To Obtain APY Rate APY3
Business Primary Savings$5.00$50.000.20%0.20%
Money Market$0.00$0.000.10%0.10%
Money Market$0.00$1,0000.50%0.50%
Money Market$0.00$2,5001.00%1.00%
Money Market$0.00$10,0001.49%1.50%
Certificates (Regular/IRA/Education) Rates

Savings Certificates

Account Rate APY4 Min. Amount
3 Month3.344%3.40%$250
6 Month4.066%4.15%$250
1 Year4.066%4.15%$500
18 Month3.826%3.90%$500
2 Year3.826%3.90%$500
30 Month3.826%3.90%$500
3 Year3.585%3.65%$500
4 Year3.585%3.65%$500
5 Year3.585%3.65%$500

Jumbo Certificate

Account Rate APY4 Min. Amount
3 Month3.440%3.50%$10,000
6 Month4.162%4.25%$10,000
1 Year4.066%4.15%$10,000
18 Month3.922%4.00%$10,000
2 Year3.922%4.00%$10,000
30 Month3.922%4.00%$10,000
3 Year3.682%3.75%$10,000
4 Year3.682%3.75%$10,000
5 Year3.682%3.75%$10,000
Mortgage Rates

30 Year Fixed Rates

Term Points Rate8 APY8
30 Year0.0006.500%6.510%

30 Year Fixed Jumbo Rates

Term Points Rate8 APY8
30 Year0.0007.250%7.260%

25 Year Fixed Rates

Term Points Rate8 APY8
25 Year0.0006.500%6.512%

25 Year Fixed Jumbo Rates

Term Points Rate8 APY8
25 Year0.0007.250%7.260%

20 Year Fixed Rates

Term Points Rate8 APY8
20 Year0.0006.250%6.264%

20 Year Fixed Jumbo Rates

Term Points Rate8 APY8
20 Year0.0007.000%7.011%

15 Year Fixed Rates

Term Points Rate8 APY8
15 Year0.0005.875%5.892%

15 Year Fixed Jumbo Rates

Term Points Rate8 APY8
15 Year0.0006.625%6.639%

10 Year Fixed Rates

Term Points Rate8 APY8
10 Year0.0005.750%5.773%

10 Year Fixed Jumbo Rates

Term Points Rate8 APY8
10 Year0.0006.500%6.521%

5/6 Month ARM Rates (360 Months)

Term Points Rate8 APY8
5 Year0.0005.500%6.418%

5/6 Month ARM Jumbo Rates (360 Months)

Term Points Rate8 APY8
5 Year0.0006.250%6.708%

7/6 Month ARM Rates (360 Months)

Term Points Rate8 APY8
7 Year0.0005.750%6.368%

7/6 Month ARM Jumbo Rates (360 Months)

Term Points Rate8 APY8
7 Year0.0006.500%6.748%
Loan Rates

Loan Rates

Loan Type Rate/APR5
New Auto Loanas low as 5.74%
Used Auto Loanas low as 5.99%
Home Equity Loanas low as 5.99%
PFCU Credit Lineas low as 12.90%
Personal Loanas low as 9.99%
Boat Loanas low as 6.50%
RV Loanas low as 7.00%
Loan Type Rate/APR6
Home Equity Line of Credit (Intro Rate for the first 12 months)as low as 3.99%
Home Equity Line of Credit (Variable Rate after the first 12 months)as low as 7.50%
Loan Type Rate/APR7
Fast Track Mortgageas low as 4.99%