Rates

Auto Loan Rates

Type	Term	APR¹
New and Used Auto Loan²	Up to 96 Months	6.75% – 18.00%
Older Used Vehicle Loan³	Up to 84 Months	9.75% – 18.00%
Classic and Collectible Vehicle Loan⁴	Up to 84 Months	8.170% -17.391%
Classic and Collectible Vehicle Loan⁵	120 Months	7.915% – 16.950%

1. APR – Annual Percentage Rate is accurate as of

2. Payment Example: A 60 month new/used auto loan with a 6.75% fixed APR would have monthly payments of $19.69 per $1,000 borrowed.

3. Payment Example: A 60 month older used vehicle loan with a 9.75% fixed APR would have monthly payments $21.13 per $1,000 borrowed.

4. APR disclosed based on an assumed loan amount of $10,000 and an estimated (non-refundable) appraisal fee of $175 for terms up to 12-84 months. Minimum loan amount $10,000. Maximum loan to value (LTV) is 90% of appraised value. Loan to value is based on creditworthiness, your LTV may vary. Payment Example: A 48 month classic & collectible vehicle loan with a 8.170% fixed APR would have monthly payments of $24.07 per $1,000 borrowed.

5. APR disclosed based on an assumed loan amount of $25,000 and an estimated (non-refundable) appraisal fee of $175 for a term of 120 months. Minimum loan amount of $25,000. Maximum loan to value (LTV) is 90% of appraised value. Loan to value is based on creditworthiness, your LTV may vary. Payment Example: A 120 month classic & collectible vehicle loan with a 7.915% fixed APR would have monthly payments of $12.10 per $1,000 borrowed.

New and Used Camper Loan Rates

Type	Term	APR¹
New and Used Camper Loan²	120-180³ Months	9.50% – 15.75%

1. APR – Annual Percentage Rate is accurate as of

2. Payment Example: A 180 month new/used camper loan with a 10.50% fixed APR would have monthly payments of $11.06 per $1,000 borrowed.

3. Minimum loan amount of $25,000 required for 180 month term.

Signature Loan Rates

Type	Term	APR¹
Signature Loan²	Up to 72 Months	10.50% – 18.00%

1. APR – Annual Percentage Rate is accurate as of

2. Payment Example: A 48 month signature loan with a 10.50% fixed APR would have monthly payments of $25.61 per $1,000 borrowed.

Share Secure Loan Rates

Type	Term	APR¹
Share Secured Loan²	Up to 180 Months	4.50%

1. APR – Annual Percentage Rate is accurate as of

2. Payment Example: A 48 month share secured loan with a 4.50% fixed APR would have monthly payments of $22.81 per $1,000 borrowed.

Fuel Loan Rates

Type	Term	APR¹
Fuel Loan²	12 Months	4.00%

1. APR – Annual Percentage Yield is accurate as of

2. Payment Example: A 12 month fuel loan with a 4.00% fixed APR would have monthly payments of $85.16 per $1,000 borrowed.

Home Loans

Type	Term	APR¹
Home Equity Term Loan	Various terms available, please call your local office.	Please call for current rate.
Home Equity Line of Credit	Variable	Please call for current rate.

1. APR – Annual Percentage Rate is accurate as of

2. New money to the credit union must be $25,000 to qualify for no closing costs. Should the no closing cost mortgage be closed or discharged within the first three years, the credit union may collect the third-party closing costs from the member that were waived when the loan was opened.

Approval depends on creditworthiness and other qualifications. Credit Union membership is required.

Christmas & Vacation Club Rates

Type	Dividend Rate	APY*	Minimum Balance Required to Open Account
Christmas Club¹	0.25%	0.25%	N/A
Vacation Club¹	0.25%	0.25%	N/A

*APY- Annual percentage yield is accurate as of . APY is subject to change, and may vary at any time. Rates may change after account opening. Fees may reduce earnings. A penalty may be assessed for early withdrawal.

1. Early withdrawal penalties may be assessed on share certificates, IRA’s, and club accounts.

Term Share Certificates Rates

Term	Dividend Rate	APY¹	Minimum Balance Required to Open Account
6 month	3.00%	3.03%	$1,000
1 year	3.50%	3.55%	$1,000
2 year	2.75%	2.78%	$1,000
3 year	2.75%	2.78%	$1,000
4 year	2.75%	2.78%	$1,000

1-APY- Annual percentage yield is accurate as of . APY is subject to change, and may vary at any time. Rates will not change after account opening until the maturity date. Fees may reduce earnings. A penalty may be assessed for early withdrawal.

Traditional IRA/Roth IRA** Rates

Term	Dividend Rate	APY*	Minimum Balance Required to Open Account
24 Months	2.75%	2.78%	$1,000

*APY- Annual percentage yield is accurate as of . APY is subject to change, and may vary at any time. IRA Accumulation and Roth IRA Accumulation rates may change after account opening. 24 Month IRA rates will not change after account opening until the maturity date. Fees may reduce earnings.

**A penalty may be assessed for early withdrawal.

IRA Accumulation Account** Rates

Dividend Rate	APY*	Minimum Balance Required to Open Account
0.25%	0.25%	N/A

**A penalty may be assessed for early withdrawal.

Roth IRA Accumulation Account** Rates

Dividend Rate	APY*	Minimum Balance Required to Open Account
0.25%	0.25%	N/A

**A penalty may be assessed for early withdrawal.

Regular Share Rates

Dividend Rate	APY*	Minimum Balance Required to Open Account
0.25%	0.25%	$5.00

*APY- Annual percentage yield is accurate as of . Minimum balance required to obtain APY is $0.01. APY is subject to change, and may vary at any time. Rates may change after account opening. Fees may reduce earnings.

Money Market Rates

Amount	APY*
$2,500 - $9,999.99	0.75%
$10,000 - $49,999.99	1.51%
$50,000 - $99,999.99	2.52%
$100,000+	3.55%

*APY- Annual percentage yield is accurate as of . APY is subject to change, and may vary at any time. $2,500 minimum deposit required to open account and earn stated APY. Fees may reduce earnings. Dividends are compounded and credited quarterly. PGMFCU: Federally insured by NCUA.