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Postel FAmily Credit Union

Our rates.

POSTEL FAMILY CREDIT UNION

Deposit Rates

The following rates were paid for the most recently ended dividend period(s) and are not guaranteed for any future dividend periods.

Rates are calculated on each level accordingly. Balances are calculated on an average daily balance. Any annual percentage yield assumes dividends will remain on deposit for at least one year. A withdrawal will reduce earnings.

  Rate APY*
Regular Shares (Savings) - Quarterly    
All Balances $25 and above 0.10% 0.10%
Share Drafts (Checking) - Monthly    
Avg. Daily Balance < $1000 n/a n/a
$1000 & over 0.050% 0.050%
Money Market - Monthly    
All Balances 0.100% 0.100%
IRA Shares - Quarterly    
Paid Quarterly 0.250% 0.250%
Health Savings - Monthly    
Paid Monthly 0.250% 0.250%
Christmas Club - Monthly, Paid Nov. 15th    
Up to $2500 1.000% 1.050%
Over $2500 0.100% 0.100%
POSTEL FAMILY CREDIT UNION

Certificate of Deposit Rates (Regular and IRA)

Effective11/2/2020

Minimum balance required: $1,000. All certificates are compounded monthly. Interest penalty for early withdrawal of principle. The annual percentage yield assumes that interest remains on deposit until maturity. Withdrawals will reduce earnings. Fixed rates remain in effect until maturity. Rates are subject to change daily.  1X Rate Bump-Up Feature on all Certificates.

 $1000 and above Regular Regular IRA IRA
 TERM APR APY* APR APY*
90 Days 0.10% 0.100% 0.10% 0.100%
6 Months 0.25% 0.250% 0.25% 0.250%
1 Year 0.35% 0.351% 0.35% 0.351%
18 Months 0.35% 0.351% 0.35% 0.351%
2 Year 0.55% 0.551% 0.55% 0.551%
3 Year 0.60% 0.602% 0.60% 0.602%
4 Year 0.65% 0.652% 0.65% 0.652%
5 Year 0.75% 0.753% 0.75% 0.753%

* APY - Annual Percentage Yield

POSTEL FAMILY CREDIT UNION

Loan Terms and Rates

As of 11/02/2020 and subject to change daily.

Minimum balance required is $1,000. All certificate dividends are paid monthly. Interest penalty for early withdrawal of principal. *The annual percentage yield (APY) assumes that interest remains ond eposit until maturity. Withdrawals will reduce earnings. Fixed rates remain in effect until maturity. Rates are subject to change daily.

  Term in Months APR* - As Low As APR* - No Higher Than
Secured by Specified Collateral 1-24 3.60% 15.70%
  25-36 3.60% 15.95%
  37-48 3.60% 16.20%
  49-60 3.60% 16.45%
  61-72 4.10% 16.95%
  73-84 5.10% 17.70%
  85-96 6.35% 18.00%
  97-120 7.50% 18.00%
Secured by Security Agreement (Personal Loan) 1-12 8.40% 18.00%
  13-36 10.65% 18.00%
  37-60 13.65% 18.00%

* APR - Annual Percentage Rate

Rate Adjustments Applicable to All Above Categories 0.10% reduction for payment transfer from PFCU Account, Direct deposit, ACH payment or payroll deduction. Add 0.50% if vehicle collateral is (5) or more years old.

POSTEL FAMILY CREDIT UNION

Indexed Accounts (Variable Rate)

Index is Prime Rate (Prime) and Reviewed Quarterly  -  Current Prime Rate is 3.25%

  APR* - As Low As APR* - No Higher Than
LINE OF CREDIT Prime + 3.00%  Prime + 11.50% 
Current Rates 6.25% 15.75%
SECURED BY SHARE DEPOSITS Prime - (minus) 1.00% Prime - (minus) 1.00%
Current Rates 2.25%  
     
CERTIFICATE OF DEPOSIT   CD Rate + 2.00%

* APY - Annual Percentage Yield

POSTEL FAMILY CREDIT UNION

More than just a credit union, we're family.

We believe in helping our neighbors achieve the life they desire.

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PFCU is open to anyone who works, resides, worships or attends school in Archer, Baylor, Clay, Wichita or Wilbarger Counties in Texas and to employees of select employee groups along with the families of existing members.

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