 |
Savings & Checking Rates |
Certificate Rates
PGCFCU Loan Rates - Effective September 2, 2008
| New & Used Automobiles & Motorcycles |
|
Platinum |
A APR* |
B APR* |
C APR* |
D APR* |
E APR* |
| 100% Financing (36 - 84 Months) |
|
5.00 |
5.25 |
6.25 |
9.25 |
13.00 |
15.00 |
| 80% Financing (36 - 84 Months) |
|
4.50 |
4.75 |
5.75 |
8.75 |
12.50 |
14.50 |
| New & Used Hybrid* Vehicles |
|
Platinum |
A APR* |
B APR* |
C APR* |
D APR* |
E APR* |
| 100% Financing (36 - 84 Months) |
|
4.00 |
4.25 |
5.25 |
8.25 |
12.00 |
14.00 |
| 80% Financing (36 - 84 Months) |
|
3.50 |
3.75 |
4.75 |
7.75 |
11.50 |
13.50 |
*Purchase order must specify Hybrid on it. Used cars must have verification of Hybrid
status, even if this
requires you to walk out and see the words Hybrid on the vehicle.
| New & Used E85 Flex Fuel* Vehicles |
|
Platinum |
A APR* |
B APR* |
C APR* |
D APR* |
E APR* |
| 100% Financing (36 - 84 Months) |
|
4.50 |
4.75 |
5.75 |
8.75 |
12.50 |
14.50 |
| 80% Financing (36 - 84 Months) |
|
4.00 |
4.25 |
5.25 |
8.25 |
12.00 |
14.00 |
*Purchase order must specify that it is an E85 Flex Fuel Vehicle, or ethanol vehicle.
72 and 84 month financing available for vehicles over $25,000
| Unsecured Loans |
|
Platinum |
A APR* |
B APR* |
C APR* |
D APR* |
E APR* |
| Signature Loans (48-60 Months) |
|
9.50 |
10.50 |
11.50 |
13.50 |
15.50 |
18.50 |
| Open End Line of Credit |
|
9.50 |
10.50 |
11.50 |
13.50 |
15.50 |
18.50 |
| Overdraft Protection |
|
9.50 |
10.50 |
11.50 |
13.50 |
15.50 |
18.50 |
| Home Equity Lines of Credit
|
|
Platinum |
A APR* |
B APR* |
C APR* |
D APR* |
E APR* |
| Up to 80% of Value |
|
Prime -2
|
Prime -1
|
Prime
|
Prime +2
|
Prime +3
|
Prime +4
|
| Up to 90% of Value
|
|
Prime -1
|
Prime
|
Prime +2
|
Prime +3
|
Prime +4
|
Prime +5
|
| Up to 100% of Value
|
|
Prime
|
Prime +2
|
Prime +3
|
Prime +4
|
Prime +5
|
Prime +6
|
APR* - Annual Percentage Rate.
HELOC loans use Prime as listed in the Wall Street Journal. PGCFCU will pay appraisal fee, 0 points.
All rates subject to change without notice. For more information
on 1st Trust, 2nd Trust and Home Improvement Loans, please call 301-627-2666 and ask for our mortgage department.
| New & Used Boats** |
Rates |
| New 100% financing of MSRP inc. taxes & tags |
7.50% |
| New 80% financing of MSRP inc. taxes & tags |
7.00% |
| Used 100% of Retail in current NADA or 75% of survey |
7.50% |
| Used 80% of Retail in current NADA or 75% of survey |
7.00% |
| New & Used Motor Homes, Trailers & Airplanes** |
Rates |
| New 100% financing of MSRP inc. taxes & tags |
7.50% |
| New 80% financing of MSRP inc. taxes & tags |
7.00% |
| Used 100% of Retail in current NADA |
7.50% |
| Used 80% of Retail in current NADA |
7.00% |
Loan rates are tier-based and priced according to members' individual credit ratings.
The loan rates listed above are the minimum rates offered.
**7 year financing available for loans up to $40,000.
**12 year financing available for loans over $40,000.
| New & Used Mobile Homes*** |
Rates |
| New 100% financing of MSRP inc. taxes & tags |
8.50% |
| New 80% financing of MSRP inc. taxes & tags |
8.00% |
| Used 100% of Retail in current NADA or 75% of survey |
8.50% |
| Used 80% of Retail in current NADA or 75% of survey |
8.00% |
Loan rates are tier-based and priced according to members' individual credit ratings.
The loan rates listed above are the minimum rates offered.
*** 10 or 15 year loans available
Share Secured Loan
|
100% of Shares
|
10 years
|
6.00% APR
|
Certificate Secured Loan
|
100% of Certificate Value
|
Paid Off
|
3.00% over dividend on certificate
|
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PGCFCU SAVINGS & CHECKING RATES - Effective September 2, 2008
| Savings & Checking Accounts |
Min. Balance to earn dividend |
Dividend Rate |
APY* |
Regular Share Savings Account
($50.00 min. balance required) |
$500.00 and up |
1.00% |
1.00% |
| Special Savings Accounts |
$500.00 and up |
1.00% |
1.00% |
| Holiday Savings Accounts |
$0.01 |
1.00% |
1.00% |
Looney Tunes Kids Accounts
|
$50.00 and up |
1.00% |
1.00% |
| Advantage Checking Accounts |
$0.01 |
0.25% |
0.25% |
| IRA's - Variable |
$0.01 |
2.00% |
2.02% |
Dividends are accrued daily on the daily balance. The rate stated will apply to the entire balance. To be a member
and maintain accounts at PGCFCU you must purchase one share in the credit union. The value of one share is $50.00.
*APY - Annual Percentage Yield.
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PGCFCU Certificate RATES - Effective September 2, 2008
| Certificates |
Term |
Dividend Rate |
APY* |
| Share Certificate (Regular or IRA) - Minimum Balance $500.00 |
6 months |
2.00% |
2.02% |
| Share Certificate (Regular or IRA) - Minimum Balance $500.00 |
12 months |
2.25% |
2.27% |
| Share Certificate (Regular or IRA) - Minimum Balance $1000.00 |
24 months |
2.50% |
2.52% |
| Share Certificate (Regular or IRA) - Minimum Balance $1000.00 |
60 months |
3.00% |
3.03% |
Regular share certificates accrue dividends from the day of deposit and credit
dividends to your account quarterly. We will post dividends to your share certificate on the last day of each
calendar quarter.
*APY-Annual Percentage Yield
| 5-Year Pot of Gold Certificates |
Dividend Rate |
APY* |
| 0.01 – $ 2,500.00 |
1.50% |
1.51% |
| $2,500.00 – $ 5,000.00 |
2.50% |
2.52% |
| $5,000.00 – $ 7,500.00 |
4.50% |
4.58% |
| $7,500.00 – $10,000.00 |
5.50% |
5.61% |
Monthly or Biweekly deposits into a Pot of Gold account must be set up automatically
through Payroll Deduction, automatic transfers or ACH split. No deposits will be allowed over the counter, via
Audio or Home Banking.
*APY-Annual Percentage Yield
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