Products & Services

- Rates

Dividend Rates

Share Account Minimum Balance* Annual Percentage Yield Rate
*To obtain the disclosed annual percentage yield, a minimum balance must be maintained in each type of account.
The Board of Directors has announced a declaration of these dividends to be paid on individual member's eligible balances for the quarter ending December 31, 2024.
All rates and terms offered are effective September 30, 2024 and are subject to change without notice.
Prime Share Account $50.00* 0.10% 0.10%
VIP Checking none 0.05% 0.05%
Escrow Accounts $50.00* 0.05% 0.05%
IRA $50.00* 0.17% 0.17%
Health Savings Acct none 0.10% 0.10%

The following are the Money Market Rates for the period ending 1/31/2025

Term Annual Percentage Yield Rate
All rates and terms offered are subject to change without notice.
2,500 to 24,999 0.45% 0.45%
25,000 to 49,999 0.60% 0.60%
50,000 to 99,999 0.60% 0.60%
100,000 & $249,999 .75% .75%
$250,000 and above .95% .95%

The following are the Share Certificate Rates as of 2/8/2025

Term Annual Percentage Yield Rate
All rates and terms offered are subject to change without notice. A penalty will be assessed for premature withdrawal from share certificates.
3 Months 1.98% 1.96%
6 Months 2.80% 2.76%
9 Months 2.96% 2.92%
1 Year 2.29% 2.27%
2 Year 2.45% 2.42%
3 Year 2.76% 2.73%
4 Year 2.40% 2.37%
5 Year 2.44% 2.41%
Building 1 Year 2.29% 2.27%
Education 1 Year 2.29% 2.27%
12 Month Youth 2.55% 2.52%
12 Month Young Adult Building 2.55% 2.52%
Lucky Savers 2.29% 2.27%
***SPECIAL Share Certificate Rates***
8 Month Special 4.07% 4.00%
11 Month Special 3.56% 3.50%
18 Month Bump Up 3.14% 3.10%

The following are the Fixed Mortgage Rates Effective 1/2/2025

Term Rate APR** Points
30 Year 6.50% 6.60% 1.000
20 Year 6.50% 6.63% 1.000
15 Year 6.25% 6.41% 1.000
10 Year 6.125% 6.35% 1.000

**APR = Annual Percentage Rate. APR based on a $200,000 conventional loan.


Loan Rates

Financing for non-commercial vehicles only.
Loan Term APR*
*The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans.
**Must meet IRS requirements for a home mortgage interest deduction. If we are first mortgage, first position lien.
***Current and previous year models.
All loan rates and terms offered are effective January 14, 2025 and are subject to change without notice.
Additional terms and conditions may apply.
Signature (Unsecured)/Debt Consolidation - Apply Now 1-3 years
4-5 years
As low as 9.99%*
As low as 10.99%*
New Vehicle - Apply Now 1-5 years
6 years (over $15,000)
7 years (over $25,000)***
As low as 6.44%*
As low as 6.54%*
As low as 7.24%*
Used Vehicle / Refinance - Apply Now 1-5 years
6 years (over $15,000)
7 years (over $25,000)***
As low as 6.69%*
As low as 6.99%*
As low as 7.49%*
Aircraft, Travel Trailer and Rec. Vehicle - Apply Now 1-6 years
7-12 years (over $20,000)
As low as 7.49%*
As low as 8.49%*
Motorcycles, Jet Ski, & ATV 1-3 years
4-5 years
6-7 years (over $15,000)
7 Year current rate & 1 yr prior model only
As low as 5.99%
As low as 6.24%
As low as 6.49%
As low as 6.49%
Boat - Apply Now 1-6 years
7-12 years (min of $25,000)
13-15 years (min of $25,000)
16-20 years (min of $25,000)
As low as 4.49%*
As low as 6.34%*
As low as 6.64%*
As low as 6.99%*
PAFCU Home Secured
1-5 years
2% Preferred APR* 7.90%
1% Preferred APR** 8.90%
Non Preferred APR 9.90%
6-15 years (over $7,500)
2% Preferred APR* 8.90%
1% Preferred APR** 9.90%
Non Preferred APR 10.90%
Education Loan Variable 8.875%
Overdraft Protection open 13.5%
Mini Home Equity Loan 8.00% variable
Variable Equity Line of Credit 6.99%
Fixed Home Equity Loan 7.85% to 9.30% Fixed New Loans*
Fixed Home Equity Loan 6.99% to 7.125% Fixed New Loans 1st position**