RATES
Loans & Deposits Rates
Deposit Accounts
Share Savings Account*
Rates effective as of September 2024 are subject to change without notice.
* Minimum deposit $10 (includes $5 membership fee). APY = Annual Percentage Yield.
Share Checking Account*
* Minimum deposit $20. APY = Annual Percentage Yield.
Money Market Accounts*
* Minimum opening deposit is $2,500. APY = Annual Percentage Yield.
IRA Share Accounts*
* Minimum deposit $100. APY = Annual Percentage Yield.
Share Certificate Accounts
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**Member must be under the age of eighteen (18) to open. Dividend rate and APY may change monthly and is equal to 2-Year Share
APY = Annual Percentage Yield. Rate Is subject to change without notice. The APY assumes dividends remain on deposit until maturity. Minimum opening deposit is $500. A penalty may be imposed for early withdrawal. Some restrictions may apply. See Credit Union for full terms and conditions. Federally insured up to $250,000 by NCUA. See Credit Union for full details.
* *Term is the child’s 18th birthday. APY = Annual Percentage Yield.
Christmas Club Savings
APY = Annual Percentage Yield.
Loan Accounts
Auto Loans
All rates displayed are *Annual Percentage Rates (APR) and are subject to change. Vehicle loan financing for terms of 72, 84, and 96 months require a minimum loan amount of $20,000, $40,000, and $60,000 respectively. Rates start as low as the rates shown below and are based upon applicant credit qualifications. Rates posted include up to 1.00% discounts available. These discounts include .25% discount for purchasing a Fuel-Efficient Vehicle, .25% for purchasing GAP insurance offered by PFCU, .25% discount for purchasing MBI offered by PFCU, and .25% discount for Direct Deposit/Automatic payments to your PFCU checking accounts. If you do not choose to take advantage of these discounts, your rate will be higher.
New and Used Autos (2018-current model years)*
*Up to 125% Financing based on MSRP for new vehicles and Retail Kelley Blue Book on used vehicles. APR=Annual Percentage Rate.
Older Used Autos (2017 and older)*
*With 90% Financing of Retail Kelley Blue Book . APR=Annual Percentage Rate.
Motorcycle Loans (2014-current model years)*
*72 months require a minimum loan amount of $20,000. APR=Annual Percentage Rate.
Mortgage Loan Rates
We offer fixed and adjustable rate First Mortgage loans with terms up to 30 years available. For current information, please call (888) 397-5111.
Parishioners Federal Credit Union and our partner, CU HomeLand, can provide you a better home mortgage solution so you can enjoy home ownership again. We offer a variety First Trust Deed Loans with competitive rates and flexible terms designed to suit the needs of our members. Our First Mortgage loan options include:
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10 to 30 year fixed and adjustable rate mortgage loans
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Loan amounts up to $3,000,000
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NO-POINT options to save on up front costs
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First Time Homebuyer Program
Get a home loan you can live with from Parishioners and CU HomeLand. Whether you are purchasing a new home or refinancing, CU HomeLand offers an extensive range of mortgage products to fit your particular needs. Your personal loan consultant will meet with you to discuss your home loan needs. Parishioners and CU HomeLand make the mortgage loan process affordable and stress-free.
Click here to apply for your home loan or to check the current rates.
Home Equity Loan Rates*
We offer a Home Equity Line of Credit with the following terms:
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Rate is based on the current Prime Rate plus your Margin and is variable and subject to change monthly, based on the last business day of each calendar month. Your margin/rate is determined by your Fico score at loan inception. Fico score 720+ is Prime plus 1.49%.
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Rates for loans on Non-Owner-Occupied properties are 1.00% higher than Owner Occupied Properties.
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Maximum Loan amount $100,000. Maximum CLTV is 70% for Primary Residence and Non-Owner Occupied.
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Pay $1499 processing/underwriting fee and cost of Full Appraisal if required.
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No points.
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Rates and terms are subject to change.
*APR=Annual Percentage Rate. APR based on a $95,000 loan amount. Maximum loan amount $100,000. Maximum CLTV is 70%. Pay $1499 processing/underwriting fee and cost of Full Appraisal if required. Rates are based on Fico score and Term of the loan. Rates posted are lowest rates available for Fico score 720 and above. Rates on Non-Owner-Occupied properties are 1.00% higher. 15 year term max for non-owner-occupied properties. Rates and terms are subject to change.
Other Loans*
*All rates displayed are Annual Percentage Rates (APR) and are subject to change. Rates start as low as the rates shown below and are based upon applicant credit qualifications.
