|Youth Super Saver||4.00% *|
|6 month CD ($25,000 minimum)||1.50%|
|1 year CD ($25,000 minimum)||2.00%||1 year CD ($50,000 minimum)||2.50%|
|Christmas Club Account||1.00%|
* Youth Super Saver accounts are limited to a $500 min/max balance and earn 4% on $500. If the account were to drop below $500, it would revert to the Youth Share account and rate.
|A+||720 – 749|
|A||700 – 719|
|B||699 – 640|
|C||639 – 600|
|D||599 and lower|
Rates shown are floor rates with auto-pay requirement. Starting at a 60 month term that increases 0.50% for each year added with the exception of the A++ tier.
|A+||3.75%||4.75%||11.50% up to $10,000.00|
|A||4.00%||5.00%||12.00% up to $7,000.00|
|B||5.00%||6.00%||13.00% up to $4,000.00|
|C||6.50%||7.50%||14.00% up to $3,000.00|
|Share Secured loan rate is 3.50% with automatic payment.|
ALL RATES ARE DETERMINED BY YOUR CREDIT SCORE From 2.75%-15.99%
Members receive 0.50% off rates when paying by ACH or payroll deduction.
Down Payment Requirements
The maximum amount financed will be 95% of the purchase price, not to exceed 95% of the NADA High Book Value. A tiered credit can finance 100% of the purchase of a vehicle. A+ tiered credit can finance 100%+++ (tax, licensing, fees up to 120% of NADA). Add 0.50% for each year over 60 months. Add 0.50% if over 100,000 miles or aged over 10 years. A++ tier begins increase at 84 months. Motorcycles, recreational vehicles and equipment are 1% higher than listed rates, and motorhomes/travel trailers are 1⁄2% more.
Persons with a “D” credit rating may either be required to pay a $500 Member Assist Auto Program (MAP) fee, or be required to have a co-signer, or be required to do both.
|Loan Amount||Term - up to|
|Under $10,000||48 months|
|Over $10,000||60 – 83 months|
|Over $25,000||84 – 96 months|
|Over $50,000||up to 144 months|
Proof of full coverage insurance is required on all collateral loans (comprehensive and collision).
A late fee of $25.00 will be assessed if your payment is received more than 15 days past the due date.
We offer: GAP Insurance, Mechanical Breakdown Protection
PSRFCU 2019 Fee Schedule
|$2.50||Over 6 Reg D Transactions per month|
|$3.00||Per month/quarter paper statement fee for new members requesting after May 1, 2018|
|$5.00||Dormant fee/month after 18 months of non-use|
|$10.00||Returned item charge back fee|
|$10.00||Early withdrawal from Christmas Club Account|
|$10.00||Return ACH fee _added on to loan due to returned loan payment||$25.00||Late fee on loans paid more than 15 days past the due date of the last day of the month|
|$25.00||Skip a Pay fee - $10 to fund scholarship program $15 income to the CU|
|$25.00||Extension fee - Allowed 2xs during life of loan and 1x per year with qualified hardship|
|$32.00||Collateralized loan fee|
|$37.00||Stop Payment fee on lost checks|
|$20.00||Incoming Domestic Wire fee|
|$35.00||Outgoing Domestic Wire fee|
|$400.00||Minimum fee charged for repossession||$250.00||Home Equity Line of Credit (HELOC) loan fee_|
|$500.00||Member Fresh Start Loan Program - Fee charged for members with credit below 600||_||There is a 180 day interest earned early withdrawal penalty to close a CD prior to maturity|