Rates

Loan Rates effective as of November 11, 2017

*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%

Holiday Loan

Borrow Amount Term APR*
up to $5,000 24 months 7.99%

Overdraft Protection

Borrow Amount APR*
up to $5,000 as low as 16.00%

Share Secured

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

 

Home Equity Line of Credit

Borrow up to 82% CLTV or a maximum of $250,000

Description Term APR*
Variable Rate 5 year interest only, 15 year repayment Introductory Rate 2.49% fixed for 12 month, thereafter variable rate  – Today’s Rates 4.25% – 4.60%
*APR=Annual Percentage Rate. An introductory rate of 2.49% APR will apply for the first 12 months. Thereafter, the rate will adjust to fully indexed rate (today’s rates 4.25% to 4.60%) on the first calendar day of the month following the end of the 12 month introductory period. Indexed rate based on creditworthiness. The introductory rate is for new applications between November 1 – December 31, 2017. 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 January 30, 2018. 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%. 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 advanced will be required at 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. FEES: For loans that are in second lien position, 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. For loan amounts of $100,000 or greater in first lien position, applicant will be responsible for fees associated with title search and title insurance. A fee breakdown will be provided prior to closing. The applicant is required to pay these fees at closing. Not all borrowers will qualify. Rates effective as of November 1, 2017. Rates subject to change without notification. Pinnacle Federal Credit Union is an equal housing lender. NMLS# 423010.

Deposit Rates

Deposit Rates effective as of November 1, 2017

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 0.50% 0.50% $500
18 Month Certificate 0.75% 0.75% $500
24 Month Certificate 0.90% 0.90% $500
24 Month YOUTH Certificate* 0.90% 0.90% $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 November 1, 2017. 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. Rates may change without notification. Pinnacle Federal Credit Union is federally insured by the NCUA. Pinnacle FCU is not responsible for typographical errors.