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SPECIAL LOAN OFFERS

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Rates

The numbers don’t lie. And if they did, we’d tell them their pants were on fire.

Loan Rates

Rates effective as of July 15, 2024

 

New Auto

Term APR*
up to 24 months 5.50% - 7.49%
up to 36 months 5.64% - 7.74%
up to 48 months 5.79% - 8.29%
up to 60 months 5.99% -8.34%
up to 72 months 6.39% - 8.44%
up to 84 months 6.59% - 8.99%

Used Auto

Term APR*
up to 24 months 5.74% - 7.84%
up to 36 months 5.79% - 8.09%
up to 48 months 5.79% - 8.44%
up to 60 months 5.99% - 8.64%
up to 72 months 6.39% - 8.79%
up to 84 months 6.59% - 9.54%

New Motorcycle

Term APR*
up to 24 months as low as 8.94%
up to 36 months as low as 9.45%
up to 48 months as low as 9.65%
up to 60 months as low as 10.14%
up to 72 months as low as 10.29%
up to 84 months as low as 10.54%

Used Motorcycle

Term APR*
up to 24 months as low as 9.45%
up to 36 months as low as 9.65%
up to 48 months as low as 9.89%
up to 60 months as low as 10.29%
up to 72 months as low as 10.54%
up to 84 months as low as 11.70%

Boat Loan

Term APR*
up to 60 months as low as 9.99%
up to 120 months as low as 10.99%

RV Loan

Term APR*
up to 60 months as low as 8.94%
up to 72 months as low as 9.44%
up to 84 months as low as 9.94%
up to 120 months as low as 10.99%

Personal Loan

Borrow Amount Term APR*
up to $10,000 up to 84-months 12.99% - 17.59%

Summer Breeze Loan Loan

Borrow Amount Term APR*
up to $17,500 up to 48-months 9.99% - 10.99%

Overdraft Protection

Borrow Amount APR*
up to $5,000 as low as 18.00%

Share Secured

Borrow Amount Term APR*
100% of available share savings up to 60 months 2.12%

Fixed-Rate Home Equity Loans

Term APR*
5 years 6.25% – 7.25%
10 years 6.99% - 7.49%
15 years 7.25% - 7.99%
20 years 7.49% - 8.15%
 

Home Equity Line of Credit

Borrow up to 80% CLTV or a maximum of $250,000

Description Term APR*
INTRO RATE FIXED FOR FIRST 6 MONTHS PRIME -1%
Variable Rate 5-year interest only, 15-year repayment Prime - Prime +
TODAY'S PRIME RATE
8.50%

Deposit Rates

Deposit Rates effective as of July 13, 2024

 
Savings Products Rate APY* Balance to Earn APY
Share Savings 0.12% 0.12% $5.00
Youth Savings 0.12% 0.12% $5.00
Holiday Club 0.12% 0.12% $100.00
Vacation Club 0.12% 0.12% $100.00
IRA Share Savings 0.12% 0.12% $50.00
Money Market Products Rate APY* Balance to Earn APY
Money Market Investment 0.10% 0.10% $1,000
Money Market Investment 0.10% 0.10% $2,500
Money Market Investment 0.10% 0.10% $5,000
Money Market Investment 0.22% 0.22% $10,000
Money Market Investment 0.65% 0.65% $20,000
Money Market Investment 0.70% 0.70% $50,000
Money Market Gold 0.65% 0.65% $20,000
Money Market Gold 0.70% 0.70% $50,000
Money Market Gold 0.99% 1.00% $75,000
Share Certificates Products Rate APY* Balance to Earn APY
3-Month Certificate 3.93% 4.00% $500
6-Month Certificate 4.17% 4.25% $500
7-Month Certificate** 6.79% 7.00% $500
9-Month Certificate 2.96% 3.00% $500
12-Month Certificate 4.65% 4.75% $500
18-Month Certificate 3.54% 3.60% $500
24-Month Certificate 3.30% 3.35% $500
24-Month Youth Certificate* 3.30% 3.35% $500
36-Month Certificate 3.20% 3.25% $500
48-Month Certificate 3.11% 3.15% $500
60-Month Certificate 3.11% 3.15% $500
Checking Products Rate APY* Balance to Earn APY
Classic Checking N/A N/A N/A
Premier Checking 0.09% 0.09% $500
Premier 55 Checking 0.09% 0.09% $1
Business Checking N/A N/A N/A
Disclaimers
*APR=Annual Percentage Rate. Rates shown are base rates. Actual rate will be based on term and individual creditworthiness. Rates subject to change without notice. Contact a credit union representative for terms and conditions. 

***SUMMER BREEZE LOAN SPECIAL: Promotional period: applicants between June 20 - July 12, 2024, at 11:59 PM EST. Not all applicants will qualify. Rates are accurate and current as of June 20, 2024. Rates subject to change without notification. 0.50% OFF rate when setting up automatic payments from your PFCU account to your loan - must have automatic payments for a minimum of twelve consecutive months, or the discount will be removed, and the rate will adjust to the full rate. Proof of income may be required. Please speak to a Credit Union Representative for terms and conditions. Pinnacle Federal Credit Union is an equal-opportunity lender. Federally insured by the NCUA.  Loan approval is based on creditworthiness and other terms and conditions available. This promotion can be discounted at any time.

HOME EQUITY LINE OF CREDIT INTRODUCTORY RATE: *APR=ANNUAL PERCENTAGE RATE. AN INTRODUCTORY RATE PRIME -1% (CURRENTLY 7.50%, AS PRIME IS 8.50% AS OF 4/10/2024) APR WILL APPLY FOR THE FIRST 6 MONTHS. THEREAFTER, THE RATE WILL ADJUST TO FULLY INDEXED RATE (TODAY’S RATES : 8.50%) ON THE FIRST CALENDAR DAY OF THE MONTH FOLLOWING THE END OF 6 MONTH INTRODUCTORY PERIOD. INDEXED RATE BASED ON CREDITWORTHINESS. THE INTRODUCTORY RATE IS FOR NEW APPLICATIONS BETWEEN APRIL 8 – JUNE 30, 2024. APPLICATIONS ARE VALID FOR 30 DAYS FROM DATE OF SUBMISSION. LOANS ARE ONLY OFFERED IN NEW JERSEY, NEW YORK, OR PENNSYLVANIA ON OWNER-OCCUPIED PRIMARY RESIDENTIAL PROPERTIES. TO QUALIFY FOR THE INTRODUCTORY RATE, YOU MUST CLOSE ON YOUR HOME EQUITY LINE OF CREDIT BY JULY 15, 2024. MINIMUM LINE OF CREDIT AMOUNT IS $10,000. MAXIMUM LOAN AMOUNT IS $250,000 OR UP TO 82% EQUITY IN YOUR HOME OR CONDOMINIUM, WHICHEVER IS LESS. A FLOOR RATE OF 4.25% FOR THE LIFE OF THE LOAN WILL APPLY AFTER THE INTRODUCTORY RATE EXPIRES. THE MAXIMUM APR THAT MAY BE IMPOSED WILL BE 18%. FEES: THERE IS NO APPLICATION FEE/CHARGE, AND NO CLOSING COSTS. WE WILL PAY THIRD-PARTY FEES ON YOUR BEHALF. IF WE DO SO, YOU MUST KEEP THE LINE OF CREDIT OPEN FOR AT LEAST 60 MONTHS (FIVE YEARS) OR BE LIABLE TO REIMBURSE THE LENDER BY PAYING A $400 ORIGINATION REIMBURSEMENT FEE. THERE IS A 5 YEAR DRAW PERIOD. DURING THE DRAW PERIOD, PAYMENTS WILL BE DUE MONTHLY CALCULATED TO SATISFY INTEREST DUE; WITH A MINIMUM PAYMENT AMOUNT OF $100.00. THE INTEREST WILL BEGIN TO ACCRUE WHEN MONEY IS TAKEN FROM THE LINE OF CREDIT. A $10,000 INITIAL ADVANCE WILL BE REQUIRED AT THE TIME OF LOAN CLOSING. AFTER THE DRAW PERIOD EXPIRES, PAYMENTS WILL BE CALCULATED TO PAY OFF THE LOAN BALANCE IN EQUAL MONTHLY PAYMENTS BY THE MATURITY DATE. AFTER THE INTRODUCTORY PERIOD ENDS, THE RATE MAY CHANGE MONTHLY BASED ON THE PRIME RATE PUBLISHED IN THE WALL STREET JOURNAL. NOT ALL BORROWERS WILL QUALIFY. RATES EFFECTIVE AS OF APRIL 8, 2024. RATES SUBJECT TO CHANGE WITHOUT NOTIFICATION. PINNACLE FEDERAL CREDIT UNION IS AN EQUAL HOUSING LENDER. NMLS# 423010.

*FIXED RATE HOME EQUITY LOANS: APR=Annual Percentage Rates. Rates shown are base rates. Current rates as low as 6.25% up to 8.15% 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 $250,000 or up to 80% equity in your home, whichever is less. There is no application fee or charge. The current rates for fixed-rate home equity loans are as low as 6.25% APR for 60 months fixed loan; as low as 6.99%APR for 120 months fixed loans; as low as 7.25%APR for 180 months fixed loans; and as low as 7.49%APR for 240 months fixed loans. 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. Not all borrowers will qualify. Rates effective as of April 18, 2024. Pinnacle Federal Credit Union is an Equal Housing Lender. NMLS# 423010.

**7-MONTH CERTIFICATE SPECIAL: SUMMER SIZZLER SHARE CERTIFICATE SPECIAL: Annual Percentage Yield (APY) as of 7/7/2024 and subject to change at any time. $500 MINIMUM BALANCE AND $1,000 MAXIMUM DEPOSIT. FOR NEW MEMBERSHIP ONLY. FUNDING AMOUNT IS REQUIRED WITH FUNDS NOT CURRENTLY ON DEPOSIT AT PINNACLE FCU. LIMITED ONE SHARE CERTIFICATE PER TAX ID NUMBER. Advertised yield offered may be changed or discontinued at PFCU’s discretion. Early withdrawal penalties may apply and may reduce earnings. Membership eligibility required. See our Truth In Savings - Share Certificate disclosure for terms and conditions. Federally insured by NCUA.

APY=Annual Percentage Yield. Rates effective and current as of JULY 13, 2024. For account terms and conditions, please contact a Credit Union Representative or see our Truth-In-Savings disclosure and Fee Schedule. Fees may reduce earnings. Early withdrawal penalties may apply to Share Certificates - please see our Truth-In-Savings Share Certificate disclosures. Rates may change without notification. Rate may change after the account is open. Pinnacle Federal Credit Union is federally insured by the NCUA. Pinnacle FCU is not responsible for typographical errors. Federally insured by NCUA.