Rates

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Rates effective as of 10/8/2015. APY=Annual Percentage Yield.

Kasasa Cash*

Balance APY
On balances up to $7,500.00 4.01%
On balances over $7,500.00 4.01% to 0.74%
All balances if qualifications not met 0.05%

Kasasa Cash Qualifications — Complete the following transactions and activities each monthly qualification cycle: Be enrolled and receive FREE eStatement notice, be enrolled and log into online banking, have at least 15 check card purchases post and settle, and have at least 1 direct deposit, online bill payment, or automatic payment (ACH) post and settle.

Kasasa Saver*

Balance Dividend Rate APY
Up to $50,000.00 1.01% 1.01%
On balances over $50,000.00 0.50% 1.01% to 0.55%
Qualifications not met 0.05% 0.05%

Kasasa Saver Qualifications — Complete the following transactions and activities each monthly qualification cycle in Kasasa Cash: Be enrolled and receive FREE eStatement notice, be enrolled and log into online banking, have at least 15 check card purchases post and settle, and have at least 1 direct deposit, online bill payment, or automatic payment (ACH) post and settle.

Share Certificates

TermDividend RateAPY
6 Months 0.85% 0.85%
12 Months 0.95% 0.95%
24 Months 1.26% 1.27%
36 Months 1.66% 1.67%
48 Months 2.17% 2.19%
60 Months 2.35% 2.38%

Minimum opening balance $500.00. There could be a penalty imposed for early withdrawal.

Share Certificates (Jumbo)

TermDividend RateAPY
6 Months 0.85% 0.85%
12 Months 0.95% 0.95%
24 Months 1.26% 1.27%
36 Months 1.66% 1.67%
48 Months 2.17% 2.19%
60 Months 2.35% 2.38%

Minimum opening balance $10,000.00. There could be a penalty imposed for early withdrawal.

Individual Retirement Accounts (IRAs)

TermDividend RateAPY
6 Months 0.50% 0.50%
12 Months 0.69% 0.69%
24 Months 1.18% 1.19%
36 Months 1.53% 1.54%
48 Months 1.77% 1.78%

Minimum opening balance $1,000.00. There could be a penalty imposed for early withdrawal.

Individual Retirement Accounts (IRAs) (Jumbo)

TermDividend RateAPY
6 Months 0.60% 0.60%
12 Months 0.79% 0.79%
24 Months 1.28% 1.29%
36 Months 1.63% 1.64%
48 Months 1.87% 1.89%

Minimum opening balance $10,000.00. There could be a penalty imposed for early withdrawal.

Regular Shares

TermsDividend RateAPY
$100.01 - $5,000.00 0.65% 0.65%
$5,000.01 - $10,000.00 0.65% 0.65%
$10,000.01 - $20,000.00 0.65% 0.65%
$20,000.01 - $50,000.00 0.80% 0.80%
$50,000.01 - $100,000.00 0.80% 0.80%
$100,000.01 & Above 0.80% 0.80%

Savings

AccountDividend RateAPY
Freedom Shares 0.25% 0.25%
Christmas Club 0.25% 0.25%
Vacation Club 0.25% 0.25%
Team Pelican 0.25% 0.25%
IRA Share 0.89% 0.89%

High Yield Shares

TermsDividend RateAPY
$20,000.00 - $99,999.99 0.50% 0.50%
$100,000.00 & Above 0.70% 0.70%

Business Shares

TermsDividend RateAPY
$100.00 - $1,000.00 0.15% 0.15%
$1,000.01 - $10,000.00 0.20% 0.20%
$10,000.01 - $50,000.00 0.25% 0.25%
$50,000.01 & Above 0.30% 0.30%

Consumer Loans

Consumer Loan Type Terms Monthly Payment Per $1,000 Borrowed (Maximum Term) Annual Percentage Rates As Low As+
New/Used Auto and Motorcycle 0 - 84 Months $12.88 2.24%
Other Secured 24 - 144 Months $8.78 4.04%
Personal/Signature 0 - 60 Months $19.81 6.99%

+Rates shown above are the lowest offered by Pelican State Credit Union for the advertised product. Loan approval is based on certain credit criteria and credit worthiness. Not everyone will qualify for rate advertised. Loan rate and term are determined by credit worthiness, collateral, and loan to value. Not all applicants may be approved.
++ Up to 125% Loan to Value