Rates

Loan Rates effective as of June 1, 2016.

*APR=Annual Percentage Rate. Rates shown are base rates. Actual rate will be based on term and individual creditworthiness.

New & Used Auto, Motorcycle Loan

Term APR*
up to 24 months as low as 1.99%
up to 36 months as low as 1.99%
up to 48 months as low as 1.99%
up to 60 months as low as 2.49%
up to 72 months as low as 2.74%
up to 84 months as low as 2.99%

Boat RV Loan

Term APR*
up to 60 months as low as 6.00%
up to 120 months as low as 6.50%

Personal Loan

Borrow Amount Term APR*
up to $10,000 up to 48 months as low as 8.00%

Overdraft Protection

Borrow Amount APR*
up to $5,000 as low as 15.50%

Share Secured

Borrow Amount Term APR*
100% of available share savings up to 60 months 2.05%

Home Equity Loans (2nd Mortgages)

Description Term APR* (80% CLTV)
Fixed Rate 5 years 3.74% – 7.00%
Fixed Rate 10 years 4.99% – 8.00%
Fixed Rate 15 years 5.49% – 8.00%
Fixed Rate 20 years 5.74% – 9.00%

Home Equity Line of Credit

Borrow up to $200,000 or 75% CLTV**

Description Term APR**
Variable Rate 15 years 3.50% – 3.85%

*APR=Annual Percentage Rates. Rates shown are base rates. Current rates as low as 3.74% up to 9.00%APR. The actual rate will be determined based on creditworthiness. Loans are only offered in New Jersey, New York or Pennsylvania on owner occupied primary residential properties only. Maximum loan amount is $200,000 or up to 80% equity in your home or 75% equity for condominium, whichever is less. There is no application fee or charge. The current rates for 2nd Mortgages are as low as 3.74% APR for 60 months fixed loan, as low as 4.99% APR for 61 -120 months fixed loan, as low as 5.49% APR for 121-180 months fixed loan and as low as 5.74% APR for 181-240 months fixed loan. Your loan payments will be due monthly and payments will be calculated to pay off the loan balance in approximately equal monthly payments by the maturity date. Your interest rate on a fixed 2nd Mortgage will never change throughout the life of your loan. Rates subject to change without notification and are tied to prime. Pinnacle Federal Credit Union is an Equal Housing Lender. Not all borrowers will qualify. Rates effective as of June 1, 2016. Rates subject to change without notification.  Pinnacle Federal Credit Union is an equal housing lending. NMLS# 423010.

**APR=Annual Percentage Rate. Rates shown are base rates. Current rates as low as 3.50% up to 3.85%. The actual rate will be determined based on creditworthiness. Loans are only offered in New Jersey, New York or Pennsylvania on owner occupied primary residential properties only. Minimum line of credit amount is $5,000. Maximum loan amount is $200,000 or up to 75% equity in your home or 70% equity for condominium, whichever is less. A floor rate of 3% for the life of the loan. The maximum APR that may be imposed will be 16%. There is no application fee or charge. There is a 5 year draw period. During the draw period, payments will be due monthly and payment will be calculated to satisfy interest due. The interest will begin to accrue when money is taken from the line of credit. Initial and subsequent advance amounts of $500 are required. After the draw period payments will be calculated to pay off the loan balance in equal monthly payments by the maturity date. For variable rate loans, the rate may change quarterly based on the prime rate from the Wall Street Journal published 30 days before the change date. Not all borrowers will qualify. Rates effective as of June 1, 2016. Rates subject to change without notification. Pinnacle Federal Credit Union is an equal housing lending. NMLS# 423010.

 

 

Deposit Rates

Deposit Rates effective as of June 17, 2016.

Savings Products Rate APY Balance to Earn APY
Share Savings 0.05% 0.05% $5.00
Youth Savings 0.05% 0.05% $5.00
Holiday Club 0.05% 0.05% $100.00
Vacation Club 0.05% 0.05% $100.00
IRA Share Savings 0.05% 0.05% $50.00
Money Market Products Rate APY Balance to Earn APY
Money Market Investment 0.05% 0.05% $1,000
Money Market Investment 0.05% 0.05% $2,500
Money Market Investment 0.07% 0.07% $5,000
Money Market Investment 0.07% 0.07% $10,000
Money Market Investment 0.15% 0.15% $20,000
Money Market Investment 0.15% 0.15% $50,000
Money Market Gold 0.15% 0.15% $20,000
Money Market Gold 0.15% 0.15% $50,000
Money Market Gold 0.15% 0.15% $75,000
Share Certificates Products Rate APY Balance to Earn APY
6 Month Certificate 0.15% 0.15% $500
12 Month Certificate 0.15% 0.15% $500
18 Month Certificate 0.20% 0.20% $500
24 Month Certificate 0.90% 0.90% $500
24 Month YOUTH Certificate* 0.50% 0.50% $500
36 Month Certificate 0.75% 0.75% $500
60 Month Certificate 0.75% 0.75% $500
Checking Products Rate APY Balance to Earn APY
Classic Checking N/A N/A N/A
Premier Checking 0.025% 0.025% $500
Premier 55 Checking 0.025% 0.025% $1
Business Checking N/A N/A N/A
APY=Annual Percentage Yield. Rates effective and current as of June 17, 2016. For account terms and conditions, please contact a Credit Union Representative or see our Truth-In-Savings and Fee Schedule. Fees may reduce earnings. Rates may change without notification. Pinnacle Federal Credit Union is federally insured by the NCUA. Pinnacle FCU is not responsible for typographical errors.