Rates are subject to change without prior notification and are effective 04/15/2008 unless otherwise noted. |
|
Loans
|
Interest Rates
As Low As
|
APR*
|
Term
Up to
(months)
|
| Auto & Streetbike Loans - New and Used up to 120% Financing |
5.90 |
5.90 |
60 |
| Auto & Streetbike Loans - New and Used up to 120% Financing |
6.65 |
6.65 |
66 |
| Auto & Streetbike Loans - New and Used up to 120% Financing |
7.15 |
7.15 |
72 |
| |
| Boat, Motor, & Trailer Loans - New and Used up to 110% Financing |
6.15 |
6.15 |
36 |
| Boat, Motor, & Trailer Loans - New and Used up to 110% Financing |
6.65 |
6.65 |
60 |
| Boat, Motor, & Trailer Loans - New and Used up to 110% Financing |
6.90 |
6.90 |
72 |
| Boat, Motor, & Trailer Loans - New and Used up to 100% Financing |
7.90 |
7.90 |
96 |
| Boat, Motor, & Trailer Loans - New and Used up to 100% Financing |
8.40 |
8.40 |
120 |
| Boat, Motor, & Trailer Loans - New and Used up to 100% Financing |
10.40 |
10.40 |
144 |
| |
| Farm & Garden Equipment and ATVs - New and Used up to 110% |
6.15 |
6.15 |
36 |
| Farm & Garden Equipment and ATVs - New and Used up to 110% |
6.40 |
6.40 |
48 |
| Farm & Garden Equipment and ATVs - New and Used up to 110% |
6.65 |
6.65 |
60 |
| Farm & Garden Equipment and ATVs - New and Used up to 110% |
6.90 |
6.90 |
72 |
| |
| Mobile Homes Without Land |
7.50 |
7.50 |
60 |
| Mobile Homes Without Land |
8.50 |
8.50 |
120 |
| Mobile Homes Without Land |
9.50 |
9.50 |
144 |
| |
| Recreational Vehicles |
6.65 |
6.65 |
60 |
| Recreational Vehicles |
7.90 |
7.90 |
96 |
| Recreational Vehicles |
8.40 |
8.40 |
120 |
| Recreational Vehicles |
10.40 |
10.40 |
144 |
| |
| Visa Classic** Rate is Variable |
15.50 |
15.50 |
n/a |
| Visa Gold |
7.90 |
7.90 |
n/a |
| Student Visa** Rate is Variable |
15.50 |
15.50 |
n/a |
| Share Pledge Visa - Interest rate is 5% higher than last highest regular share dividend rate paid |
|
|
n/a |
| Visa Platinum** Rate is Variable |
9.00 |
9.00 |
n/a |
| Visa Titanium |
8.47 |
8.47 |
n/a |
| |
| Personal/Signature Loans - Unsecured |
7.95 |
7.95 |
60 |
| |
| Share Pledge Loans - APR is 1.5% more than the highest regular share dividend rate paid |
|
|
|
| Share Certificate Loans - APR is 1.5% more than last highest dividend rate of certificate secured |
|
|
|
| |
|
*APR = Annual Percentage Rate **Variable Rate Annual Percentage Rate (APR) account
All loans are subject to approval. The rate and term which you qualify are based on certain credit-worthiness criteria. Stated rates apply to borrowers who qualify for and are subsequently approved for credit by meeting PSCU's standard loan underwriting guidelines and/or attain automated credit scoring benchmarks. Pelican State Credit Union is an Equal Opportunity Lender. All rates quoted assuming 90% LTV. Please contact the credit union for the rate and term for which you qualify.
|
| Go to Loans | Mortgages | Shares & Interest-Bearing Share Drafts | Share Certificates | IRAs | Apply Now | Calculators |
| Membership Fee of $5.00 required.
Rates are subject to change without prior notification. Pelican State Credit Union share accounts are variable rate accounts. Your share account rate may change after the account has been opened.
|
|
Savings
|
APY^
|
Dividend Rate
|
|
Regular Share Tiers
|
| $100.01 - $5,000.00 |
1.05 |
1.05 |
| $5,000.01 - $10,000.00 |
1.25 |
1.24 |
| $10,000.01 - $20,000.00 |
1.55 |
1.54 |
| $20,000.01 - $50,000.00 |
1.80 |
1.79 |
| $50,000.01 - $100,000.00 |
2.35 |
2.33 |
| $100,000.01 & greater |
2.75 |
2.72 |
| Dividends posted quarterly. |
|
Commerical Share Tiers
|
| $100.01 - $1,000.00 |
1.05 |
1.05 |
| $1,000.01 - $10,000.00 |
1.25 |
1.24 |
| $10,000.01 - $50,000.00 |
1.80 |
1.79 |
| $50,000.01 & greater |
2.10 |
2.08 |
| Dividends posted quarterly. |
|
High Yield Share Tiers
|
| $20,000.00 - $99,999.99 |
3.10 |
3.06 |
| $100,000.00 & greater |
3.45 |
3.40 |
| Dividends posted monthly. |
|
Youth Share Accounts
|
| Team Varsity Club Shares |
2.12 |
2.10 |
| Super Savers Club Shares |
2.12 |
2.10 |
| Cash Club Shares |
2.12 |
2.10 |
| Dividends posted quarterly. |
|
Other Share Accounts
|
| Freedom Shares |
0.50 |
0.50 |
| IRA Shares |
3.10 |
3.06 |
| Dividends posted quarterly. |
| Vacation Club Shares |
1.21 |
1.20 |
| Dividends posted monthly. |
| Christmas Club Shares |
1.21 |
1.20 |
| Dividends posted annually. |
|
Club Share Draft Accounts
|
| 50+ Share Draft^^ |
1.06 |
1.05 |
| Pelican Preferred Share Draft^^ |
1.06 |
1.05 |
| Negotiable Order Withdrawal (NOW) Share Draft |
1.06 |
1.05 |
| Health Savings Account (HSA) Share Draft |
2.38 |
2.35 |
| Dividends posted monthly. |
| |
|
^APY = Annual Percentage Yield
^^Dividends earned on average daily balances of $1,000.00 or more.
|
| Go to Loans | Mortgages | Shares & Interest-Bearing Share Drafts | Share Certificates | IRAs | Apply Now | Calculators |
|
Rates are subject to change without prior notification.
|
|
Share Certificates
|
APY^
|
Dividend Rate
|
| 6 month share certificate |
3.26 |
3.21 |
| 12 month share certificate |
3.51 |
3.45 |
| 24 month share certificate |
3.61 |
3.55 |
| 36 month share certificate |
3.61
|
3.55
|
| 48 month share certificate |
3.61 |
3.55 |
| Minimum opening balance of $500.00. Dividends are posted monthly. Monthly checks available. |
| |
| 6 month jumbo share certificate |
3.36 |
3.31 |
| 12 month jumbo share certificate |
3.61 |
3.55 |
| 24 month jumbo share certificate |
3.71 |
3.65 |
| 36 month jumbo share certificate |
3.71 |
3.65 |
| 48 month jumbo share certificate |
3.71 |
3.65 |
| Minimum opening balance of $10,000.00 for jumbo share certificate accounts. Dividends are posted monthly. Monthly checks available. |
| |
|
^APY = Annual Percentage Yield
All APYs are based on the dividends being applied back to the balance. Please note: Substantial penalties apply for early withdrawals and may affect APY. All rates quoted assume automated payments through payroll deduction or automatic debit from checking account. Fees could reduce the earnings on accounts which have maintenance or activity fees associated with the account.
|
| Go to Loans | Mortgages | Shares & Interest-Bearing Share Drafts | Share Certificates | IRAs | Calculators |
|
Rates are subject to change without prior notification.
|
|
Individual Retirement Accounts
|
APY^
|
Dividend Rate
|
| 6 month IRA |
3.26 |
3.21 |
| 12 month IRA |
3.51 |
3.45 |
| 24 month IRA |
3.61 |
3.55 |
| 36 month IRA |
3.61 |
3.55 |
| 48 month IRA |
3.61 |
3.55 |
| Minimum opening balance of $250.00. |
| |
| 6 month jumbo IRA |
3.36 |
3.31 |
| 12 month jumbo IRA |
3.61 |
3.55 |
| 24 month jumbo IRA |
3.71 |
3.65 |
| 36 month jumbo IRA |
3.71 |
3.65 |
| 48 month jumbo IRA |
3.71 |
3.65 |
| Minimum opening balance of $10,000.00 for Jumbo IRA accounts. |
| |
|
^APY = Annual Percentage Yield
Please note: Substantial penalties apply for early withdrawals and may affect APY. IRA rates offered are for Traditional, Roth, and Educational IRAs. All rates quoted assume automated payments through payroll deduction or automatic debit from checking account. Fees could reduce the earnings on accounts which have maintenance or activity fees associated with the account.
|
| Go to Loans | Mortgages | Shares & Interest-Bearing Share Drafts | Share Certificates | IRAs | Calculators |
Contact us by calling 1-800-351-4877
|
