Rates

Savings

Share & Share Draft

Type Annual Percentage Yield Dividend Rate
Shares (Min. $5.00) 0.100% APY* 0.10%
Share Drafts 0.010% APY 0.01%
IRA (Min. $500.00) 0.100% APY* 0.10%

Description

We understand that life can be unpredictable and that savings accounts are a high priority for our members. That’s why we offer savings to fit every need and help you best prepare for your future. 

Disclaimers

* APY=Annual Percentage Yield. APYs are effective as of 09/01/20 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). During any month, you may not make more than six (6) electronic transfers between accounts at PFCU, accounts at other financial institutions or third-party payments. Electronic transfers include preauthorized, automatic (overdraft), computer (online), ATM and phone transfers. You are not able to exceed the transfer limitation set forth above. Electronic transfers scheduled to occur after the threshold of 6 has been reached will be rejected.
Transaction limitations on savings/share account: During any month, you may not make more than six withdrawals or transfers to another Credit Union account/ sub account of yours, or to a third party by means of preauthorized, automatic, or computer transfer, or telephonic order or instruction. If you exceed the transfer limitation set forth above, your account will be subject to excessive transaction fees or closure by the credit union.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Money Market

Level Annual Percentage Yield Dividend Rate
$1,000-$9,999.99 0.100% APY* 0.1000%
$10,000-$24,999.99 0.10% 0.1000%
$25,000.00-$49,999.99 0.10% 0.1000%
$50,000.00-$99,999.99 0.20% 0.1998%
$100,000 and over 0.30% 0.2996%

Description

We understand that life can be unpredictable and that savings accounts are a high priority for our members. That’s why we offer savings to fit every need and help you best prepare for your future. 

Disclaimers

* APY=Annual Percentage Yield. APYs are effective as of 11/01/20 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).

To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Share Certificate

Term of Account Annual Percentage Yield Dividend Rate Minimum Balance
6 Month Share Certificate 0.300% APY* 0.299% $500.00
12 Month Share Certificate 0.350% APY 0.349% $500.00
18 Month Share Certificate 0.400% APY 0.399% $500.00
24 Month Share Certificate 0.450% APY 0.449% $500.00
36 Month Share Certificate 0.500% APY 0.498% $500.00
48 Month Share Certificate 0.550% APY 0.548% $500.00
60 Month Share Certificate 0.650% APY 0.647% $500.00

Description

A Certificate of Deposit (known as a Share Certificate at Credit Unions) is a safe and easy way to invest your money. Certificates are perfect for short- or long-term investments, and at PFCU, we have the right terms and rates for you.
The minimum balance required to open a Certificate is $500.00.

Disclaimers

* APY=Annual Percentage Yield. APYs are effective as of 09/01/20 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).

To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

IRA Certificate

Term of Account Annual Percentage Yield Dividend Rate Minimum Balance
12 Month IRA Share Certificate 0.350% APY* 0.349% $500.00
18 Month IRA Share Certificate 0.400% APY* 0.399% $500.00
24 Month IRA Share Certificate 0.450% APY 0.449% $500.00
36 Month IRA Share Certificate 0.500% APY 0.498% $500.00
48 Month IRA Share Certificate 0.550% APY 0.548% $500.00
60 Month IRA Share Certificate 0.650% APY 0.647% $500.00

Description

We understand that life can be unpredictable and that savings accounts are a high priority for our members. That’s why we offer savings to fit every need and help you best prepare for your future. 

Disclaimers

APY=Annual Percentage Yield. APYs are effective as of 09/01/20 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).

To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Vacation Club

Type Annual Percentage Yield Dividend Rate
Vacation Club (Min. $5.00 0.030% APY* 0.030%

Description

We understand that life can be unpredictable and that savings accounts are a high priority for our members. That’s why we offer savings to fit every need and help you best prepare for your future. 

Disclaimers

* APY=Annual Percentage Yield. APYs are effective as of 11/01/20 and are subject to change without notice. Rates are for comparison only. Actual rates may vary.

To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Holiday Club

Type Annual Percentage Yield Dividend Rate
Holiday Club (Min. $5.00) 0.030% APY* 0.030%

Description

We understand that life can be unpredictable and that savings accounts are a high priority for our members. That’s why we offer savings to fit every need and help you best prepare for your future. 

Disclaimers

* APY=Annual Percentage Yield. APYs are effective as of 11/01/20 and are subject to change without notice. Rates are for comparison only. Actual rates may vary.

To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Auto

New Auto

Loan Type Maximum Terms APR* Action
New Vehicle (Car, Truck, Van) 100% of purchase price, including sales tax Up to 36 Months as low as 1.49% Apply Now
New Vehicle (Car, Truck, Van) 100% of purchase price, including sales tax 48 Months as low as 1.74% Apply Now
New Vehicle (Car, Truck, Van) 100% of purchase price, including sales tax 60 Months as low as 1.74% Apply Now
New Vehicle (Car, Truck, Van) 100% of purchase price, including sales tax 72 Months as low as 1.99% Apply Now
New Vehicle (Car, Truck, Van) 100% of purchase price, including sales tax 84 Months as low as 3.74% Apply Now
New Motorcycle 100% of purchase price, including sales tax 36 Months 5.99% Apply Now
New Motorcycle 100% of purchase price, including sales tax 48 Months 5.99% Apply Now
New Motorcycle 100% of purchase price, including sales tax 60 Months 5.99% Apply Now

Description

From choosing your perfect car at the dealership or utilizing PFCU’s CarMatch, we are here to help you get in the driver’s seat. We want to make your next car-buying experience hassle-free and convenient.

Disclaimers

APR=Annual Percentage Rate. **New vehicle loan, 1.74% APR for 60 months, $17.40 per $1,000 borrowed. Used vehicle loan 2.49% APR for 60 months, $17.72 per $1,000. Rates and terms are subject to change at any time. The actual rate may vary based upon creditworthiness and underwriting policies. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Vehicle Loans

* APR=Annual Percentage Rate. Loan Rates as of 11/01/20.
Actual rates may vary on New & Used Vehicle Loan Products. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and Terms are subject to change at any time. Vehicle financing is available for used vehicles up to 10 model years including current year. The maximum term for used vehicles 8 to 10 years old is 60 months.
To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Not responsible for typographical errors.

First Time Auto Buying

*APR=Annual Percentage Rate. New or used vehicle loan, 5.24% APR for 60 months, $19.00 per $1,000 borrowed. The rates and terms of the offer are subject to change at any time. Program underwriting guidelines must be met for loan approval. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Contact the credit union for more details.

New Recreational Vehicles

Loan Type Maximum Terms APR* Action
New Boat 80% of purchase price plus sales tax not to exceed $50,000 24 Months as low as 5.99% Apply Now
New Boat 80% of purchase price plus sales tax not to exceed $50,000 36 Months as low as 5.99% Apply Now
New Boat 80% of purchase price plus sales tax not to exceed $50,000 48 Months as low as 5.99% Apply Now
New Boat 80% of purchase price plus sales tax not to exceed $50,000 60 Months as low as 5.99% Apply Now
New Motor Home (Self Driven or Towed) 80% of purchase price sales tax not to exceed $50,000 24 Months 5.99% Apply Now
New Motor Home (Self Driven or Towed) 80% of purchase price sales tax not to exceed $50,000 36 Months 5.99% Apply Now
New Motor Home (Self Driven or Towed) 80% of purchase price sales tax not to exceed $50,000 48 Months 5.99% Apply Now
New Motor Home (Self Driven or Towed) 80% of purchase price sales tax not to exceed $50,000 60 Months 5.99% Apply Now
New Motor Home (Self Driven or Towed) 80% of purchase price sales tax not to exceed $50,000 120 Months 6.49% Apply Now

Description

Whether boating on Lake Hopatcong or planning a cross-country trip in a new or used RV, PFCU is here to help finance your next adventure.

Disclaimers

Recreational Vehicle Loans

* APR=Annual Percentage Rate. Loan Rates as of 11/01/20.
Actual rates may vary on Recreational Vehicle Loan Products. Applicants are subject to credit approval and PFCU underwriting guidelines. additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Not responsible for typographical errors.

Used Auto

Loan Type Maximum Terms APR* Action
Used Vehicle (Car, Truck, Van) Loan not to exceed NADA book retail valuesales tax Up to 36 Months as low as 2.24% Apply Now
Used Vehicle (Car, Truck, Van) Loan not to exceed NADA book retail valuesales tax 48 Months as low as 2.49% Apply Now
Used Vehicle (Car, Truck, Van) Loan not to exceed NADA book retail valuesales tax 60 Months as low as 2.49% Apply Now
Used Vehicle (Car, Truck, Van) Loan not to exceed NADA book retail valuesales tax 72 Months as low as 3.24% Apply Now
Used Motorcycle Loan not to exceed NADA book retail valuesales tax 36 Months 6.24% Apply Now
Used Motorcycle Loan not to exceed NADA book retail value 48 Months 6.24% Apply Now

Description

From choosing your perfect car at the dealership or utilizing PFCU’s CarMatch, we are here to help you get in the driver’s seat. We want to make your next car-buying experience hassle-free and convenient.

Disclaimers

APR=Annual Percentage Rate. **New vehicle loan, 1.74% APR for 60 months, $17.40 per $1,000 borrowed. Used vehicle loan 2.49% APR for 60 months, $17.72 per $1,000. Rates and terms are subject to change at any time. The actual rate may vary based upon creditworthiness and underwriting policies. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Vehicle Loans

* APR=Annual Percentage Rate. Loan Rates as of 11/01/20.
Actual rates may vary on New & Used Vehicle Loan Products. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and Terms are subject to change at any time. Vehicle financing is available for used vehicles up to 10 model years including current year. The maximum term for used vehicles 8 to 10 years old is 60 months.
To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Not responsible for typographical errors.

Used Recreational Vehicles

Loan Type Maximum Terms APR* Action
Used Boat Loan not to exceed NADA book retail valuesales tax Up to 24 Months as low as 6.24% Apply Now
Used Boat Loan not to exceed NADA book retail valuesales tax Up to 36 Months as low as 6.24% Apply Now
Used Boat Loan not to exceed NADA book retail valuesales tax Up to 48 Months as low as 6.24% Apply Now
Used Boat Loan not to exceed NADA book retail valuesales tax Up to 60 Months as low as 6.24% Apply Now
Used Motor Home (Self Driven or Towed) Loan not to exceed NADA average loan value or 80% of average NADA retail value plus sales tax. Not to exceed $50000 24 Months 6.24.% Apply Now
Used Motor Home (Self Driven or Towed) Loan not to exceed NADA average loan value or 80% of average NADA retail value plus sales tax. Not to exceed $50000 36 Months 6.24.% Apply Now
Used Motor Home (Self Driven or Towed) Loan not to exceed NADA average loan value or 80% of average NADA retail value plus sales tax. Not to exceed $50000 48 Months 6.24.% Apply Now
Used Motor Home (Self Driven or Towed) Loan not to exceed NADA average loan value or 80% of average NADA retail value plus sales tax. Not to exceed $50000 60 Months 6.24.% Apply Now
Used Motor Home (Self Driven or Towed) Loan not to exceed NADA average loan value or 80% of average NADA retail value plus sales tax. Not to exceed $50000 120 Months 6.50% Apply Now

Description

Whether boating on Lake Hopatcong or planning a cross-country trip in a new or used RV, PFCU is here to help finance your next adventure.

Disclaimers

Recreational Vehicle Loans

* APR=Annual Percentage Rate. Loan Rates as of 11/01/20.
Actual rates may vary on Recreational Vehicle Loan Products. Applicants are subject to credit approval and PFCU underwriting guidelines. additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Not responsible for typographical errors.

Mortgage/Home Equity Loans

Mortgages

Loan Type Term Rate APR* Action
Fixed 10 Years 2.500% 2.687% Apply Now
Fixed 15 Years 2.625% 2.754% Apply Now
Fixed 20 Years 2.750% 2.850% Apply Now
Fixed 30 Years 2.875% 2.946% Apply Now

Description

Whether buying or refinancing, you can count on PFCU to be your home buying partner. We’re here to assist you in finding the right mortgage product and loan terms to meet your needs and budget.

Disclaimer

*Instant Decision not available for Home Equity or Mortgage Loans.

* The Flat Fee Mortgage Program is available to borrowers purchasing or refinancing 1-4 family owner-occupied properties located in NJ and PA. The Flat Fee is non-refundable and payable upon return of the signed Initial Disclosure Package. Refinance and new purchase applicants will be responsible for interim interest, funding an escrow account for property taxes and insurance, and all title insurance costs and attorney fees. Home purchase applicants will also be responsible for survey costs, home inspection costs, and all settlement items between the applicant as buyer and seller for the purchase of applicant’s home. Maximum loan amount of $510,400 and the minimum loan amount is $100,000. Maximum loan to value (LTV) is 90% for purchases and 80% for all refinances. All applicants with a loan to value over 80% require Private Mortgage Insurance (PMI), which is funded by the applicant. Any member that has financed their mortgage with PFCU in the last twenty-four (24) months is not eligible for this program. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, you must open a savings account with a minimum deposit of $5.

NMLS ID 402605

Home Equity

Loan Type Min./Max. Term APR* Action
Home Equity Loan, Fixed Rate $15,000 Minimum/$250,000 Maximum 5 Years 3.50% Apply Now
Home Equity Loan, Fixed Rate $15,000 Minimum/$250,000 Maximum 7 Years 3.75% Apply Now
Home Equity Loan, Fixed Rate $15,000 Minimum/$250,000 Maximum 10 Years 4.00% Apply Now
Home Equity Loan, Fixed Rate $15,000 Minimum/$250,000 Maximum 15 Years 4.25% Apply Now
Home Equity Loan, Fixed Rate $15,000 Minimum/$250,000 Maximum 20 Years 5.25% Apply Now
PFCU Flex - Line Of Credit** $20,000 Minimum/$250,000 Maximum 30 Years 4.00% Apply Now
Home Equity Loan - Prime LOC** $20,000 Minimum/$250,000 Maximum 15 Years 4.00% Apply Now

Description

Whether you’re looking to consolidate debt, pay for college tuition or remodel your kitchen, you can use the equity in your home to help finance the cost.

Disclaimers

* APR=Annual Percentage Rate. Loan Rates as of 09/01/20. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, you must open a savings account with a minimum deposit of $5.

** The APR for all Equity Lines of Credit may vary and is based on the U.S. prime rate as published in The Wall Street Journal. The minimum “floor” APR on all Equity Lines of Credit is 4.00% and the maximum APR that can apply is 18%.

Not responsible for typographical errors.

NMLS ID 402605

Personal

Personal Loans

Type of Loan Maximum Term APR* Action
Personal Total not to exceed $15,000 Up to 36 Months as low as 7.99% Apply Now
Personal Total not to exceed $15,000 37-60 Months as low as 9.99% Apply Now

Description

We understand that life can be unpredictable and that savings accounts are a high priority for our members. That’s why we offer savings to fit every need and help you best prepare for your future. 

Disclaimers

* APR=Annual Percentage Rate. Loan Rates as of 11/01/20. Applicants are subject to credit approval and PFCU underwriting guidelines. Actual rates may vary on Personal Loan Products. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Actual rates may vary on Personal Loan Products.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Share Secured Loan Information

Type of Loan Maximum Term APR* Action
Share Secured Shares on Deposit up to 60 Months 2.00% above share rate dividend Apply Now

Description

We understand that life can be unpredictable and that savings accounts are a high priority for our members. That’s why we offer savings to fit every need and help you best prepare for your future. 

Disclaimers

* APY=Annual Percentage Yield. APYs are effective as of 11/01/20 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).

Transaction limitations on savings/share account: During any month, you may not make more than six (6) electronic transfers between accounts at PFCU, accounts at other financial institutions or third-party payments.  Electronic transfers include preauthorized, automatic (overdraft), computer (online), ATM and phone transfers. You are not able to exceed the transfer limitation set forth above. Electronic transfers scheduled to occur after the threshold of 6 has been reached will be rejected.

To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Not responsible for typographical errors.

Overdraft Protection

Balance Maximum Term/APR Payment Action
Up to and including $100 Overdraft Protection up to $3,000 Not to exceed 24 Months from last overdraft /10.99% $10.00 Apply Now
$100.01 - $500 Overdraft Protection up to $3,000 Not to exceed 24 Months from last overdraft /10.99% $25.00 Apply Now
$500.01 - $1,000 Overdraft Protection up to $3,000 Not to exceed 24 Months from last overdraft /10.99% $50.00 Apply Now
$1,000.01 - $1,500 Overdraft Protection up to $3,000 Not to exceed 24 Months from last overdraft /10.99% $75.00 Apply Now
$1,500.01 - $2,000 Overdraft Protection up to $3,000 Not to exceed 24 Months from last overdraft /10.99% $100.00 Apply Now
$2,000.01 - $2,500 Overdraft Protection up to $3,000 Not to exceed 24 Months from last overdraft /10.99% $125.00 Apply Now
$2,500.01 - $3,000 Overdraft Protection up to $3,000 Not to exceed 24 Months from last overdraft /10.99% $150.00 Apply Now

Description

We understand that life can be unpredictable and that savings accounts are a high priority for our members. That’s why we offer savings to fit every need and help you best prepare for your future. 

Disclaimers

* APR=Annual Percentage Rate. Loan Rates as of 09/01/20. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Not responsible for typographical errors.

Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

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