Rates

Interest and Annual Percentage Rates


Certificate Account Rates

As of
TermMinimumRateAPY*
6 Month $500 .75% .75%
1 Year $500 1.00% 1.00%
12 Month CD Promo $500 2.55% 2.57%
2 Year $500 1.25% 1.26%
3 Year $500 1.50% 1.51%
IRA 6 Month $500 .75% .75%
IRA 1 Year $500 1.00% 1.00%
IRA 2 Year $500 1.25% 1.26%
IRA 3 Year $500 1.50% 1.51%
*APY = Annual Percentage Yield. Certificate rates remain fixed for the term of the certificate. Dividends are compounded quarterly. A penalty may be imposed for withdrawals before maturity. Rates are subject to change at any time and without notice.

 

Share Accounts / Special Savings Accounts

Last Dividend Declaration Date: Sept 30th, 2018

MinimumRateAPY*
$0 to $24,999.99 0.05% 0.05%
$25,000 to $99,999.99 0.05% 0.05%
$100,000 + 0.10% 0.10%
*APY = Annual Percentage Yield.

Money Market Accounts

Minimum BalanceDividend RateAPY*
$50 - $9,999 .35% .35%
$10,000 - $24,999 .40% .40%
$25,000+ .45% .45%
*APY = Annual Percentage Yield.

 

Christmas Club

Last Dividend Declaration Date: Oct 31, 2018

Christmas Club dividends are not declared until the October Board Meeting. Last year Christmas Club dividends paid .05% and are based on the regular share account rate.

MinimumRateAPY*
$0 0.05% 0.05%
*APY = Annual Percentage Yield.
 

IRA Savings

As of Sept 30th, 2018

MinimumRateAPY*
$0 0.20% 0.20%
*APY = Annual Percentage Yield.

Checking Accounts

 

Last Dividend Declaration Date:  Sept 30th, 2018

PERSONALMinimumRateAPY*
Basic Checking  $0 0% 0%
 Deluxe Checking    $2,000+ 0.05% 0.05%
Renew Checking    $2,000+ 0.05% 0.05%
BUSINESSMinimumRateAPY*
Organizational Checking      
$0 - $2,499.99 $0 0% 0%
 $2,500+  $2,500 0.05% 0.05%
 Small Business Checking      
$0 - $2,499.99 $0 0% 0%
 $2,500+  $2,500 0.05% 0.05%
Commercial Checking      
$0 – 4,999.99 $0 0% 0%
 $5,000+   $5,000+ 0.05% 0.05%
*APY = Annual Percentage Yield.

VISA Products

As of July 27th, 2018

VISADescription
VISA® HELOC "Variable rate of prime + 0%" Call today for current rate. 440-545-5135
VISA® Classic Our VISA Classic card offers a fixed interest rate of 13.5% APR*, NO annual fee and the Scorecard enhancement package.
VISA® Vanilla For those of us who enjoy the simple things in life, we have the VISA® Vanilla card. The Visa® Vanilla offers a LOW, fixed interest rate of 9.99% APR* and NO annual fee.
VISA® Gift Cards Purchase gift cards in $5.00 increments from $10.00 - $500.00. You decide the amount to give. You can purchase gift cards for only $2.50 each and Platinum Club members pay $1.00 per card. VISA® gift cards are better than cash and so convenient to use!

 

Loan Rates

As of Dec. 1, 2018

 

LoanDescription
Personal/Signature/Bill Consolidation Loans Annual Percentage Rate As Low As 9.75%*
New Auto Loans Annual Percentage Rate As Low As 3.00%*
Used Auto Loans Annual Percentage Rate As Low As 3.00%*
Motorcycle Loans Annual Percentage Rate As Low As 3.75%*
Boat and RV Loans Annual Percentage Rate As Low As 4.50%*
Snowmobile/ATV/Jet Ski Loans Annual Percentage Rate As Low As 5.50%*
Mortgage For more information on mortgages, please call Mortgage Center at 800-353-4449
Home Equity Loans Rates As Low AS 4.00%APR** View our Home Equity Loan Options >


*All rates subject to change at any time and without notice and vary based on credit worthiness, qualifications, terms and collateral conditions. All loans subject to approval.
**Annual Percentage Rate (APR) is a non-variable rate. The Rate shown is accurate as of 12/1/2018 and is available to well-qualified borrowers. Term up to 60 months and a loan-to-value (LTV) ratio of 80% or less. Rate includes a .25% discount for having direct deposit and enrollment in online banking with e-statements. Not available for the refinance of an existing PSE Credit Union loan, line or mortgage unless the refinance includes $10,000 or more of new money. Primary residence only. Rate and offer subject to change without notice and cannot be combined with any other offer. Closing costs up to $500 will be covered if application is approved and funds are disbursed by PSE Credit Union. In many cases, the interest is tax-deductible; please consult your tax advisor. Other rates and terms available. Accounts are insured up to $250,000 by American Share Insurance. This institution is not federally insured by member choice. MEMBERS ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY GOVERNMENT OR GOVERNMENT-SPONSORED AGENCY.