Share Rates
| Account Type | APR | APY | Notes |
|---|---|---|---|
| Share (Savings) | 0.05% | 0.050% | Over $5.01 |
| Christmas Club | 0.50% | 0.51% | Maximum $5,000.00 |
| Vacation Club | 0.50% | 0.51% | Maximum $5,000.00 |
| Share Draft (Checking) | .00% | .00% |
Share Certificates (CDs)
| Term | APR | APY |
|---|---|---|
| 90 Day | 3.50% | 3.56% |
| 6 Month | 3.50% | 3.56% |
| 12 Month | 3.25% | 3.30% |
| 24 Month | 3.00% | 3.04% |
| 36 Month | 3.00% | 3.04% |
| 48 Month | 3.05% | 3.09% |
| 60 Month | 3.10% | 3.14% |
Share Certificate Rates may change without prior notice.
Loan Rates
| Type | APR | Term | Noted |
|---|---|---|---|
| Shares Loan | 2.21% | Up to 24 Months | Minimum $1000.00 |
| | 2.52% | Up to 36 Months | Minimum $1000.00 |
| 2.72% | Up to 48 Months | Minimum $1000.00 | |
| 3.03% | Up to 60 Months | Minimum $1000.00 | |
| New Vehicle Loan | Maximum $50,000.00 | ||
| | 4.69% | Up to 36 Months | |
| | 4.90% | Up to 48 Months | |
| | 5.00% | Up to 60 Months | |
| 5.11% | Up to 72 Months | ||
| Used Vehicle Loan | | | Some Restrictions Apply |
| 5.00% | Up to 36 Months | 2017 or newer | |
| 5.21% | Up to 48 Months | 2018 or newer | |
| | 5.53% | Up to 60 Months | 2019 or newer |
| | 5.74% | Up to 72 Months | 2020 or newer |
| Signature Loan | | Maximum $10,000.00 | |
| Signature Loan | 11.57% | Up to 36 Months | |
| Signature Loan | 12.68% | Up to 48 Months | Over $3000.00 |
| Signature Loan | 13.80% | Up to 60 Months | Over $5000.00 |
| Organization Signature Loan | | | Maximum $49,999.99 Available to: Parishes of the PNCC and non-profit associations and organizations associated with the Polish National Alliance |
| 6.79% | Up to 60 Months | ||
| 7.34% | Up to 120 Months | ||
| 8.14% | Up to 180 Months | 15 year minimum is $20,000.00 | |
| Youth Credit Builder Loan | 6.70% | Up to 12 Months | Minimum $200.00 Maximum $1000.00 Ages 16-17 with co-signer |
| | | | |
| Home Equity Loan | Not to exceed 85% of the appraised value minus any first mortgage balance | ||
| 5.90% | Up to 60 Months | ||
| 6.57% | Up to 84 Months | ||
| 6.43% | Up to 120 Months | ||
| 6.43% | Up to 180 Months | 15 Year Minimum is $20,000.00 | |
| Collateral Loan | 7.76% | Up to 48 Months | Maximum $30,000.00 |
| Recreational Vehicles Loans | |||
| New | |||
| 6.17% | Up to 36 Months | ||
| 6.70% | Up to 48 Months | ||
| 7.23% | Up to 60 Months | ||
| 7.76% | Up to 72 Months | Minimum $25,000.00 Maximum $50,000.00 | |
| 8.30% | Up to 120 Months | Minimum $25,000.00 Maximum $50,000.00 | |
| Used | |||
| 6.17% | Up to 36 Months | ||
| 6.70% | Up to 48 Months | ||
| 7.23% | Up to 60 Months | ||
| Share Certificate Loans | SCD Rate +2% | The full share certificate balance may be pledged by any account owner as collateral. The loan on the share certificate will have a term limit of the life of the certificate. (Maximum 60 months) The rate will be based on the rate of the certificate plus 2%. | |
| SCU Select - Maximum $2500.00 | 8.29% | Up to 18 Months | |
| Non-Owner-Occupied Home Equity Loan - $500 application fee | Not to exceed 75% of the appraised value minus any 1st mortgage balance– Minimum $2,000 | ||
| 6.17% | 60 Months | ||
| 6.43% | 84 Months | ||
| 6.70% | Up to 120 Months | ||
| 6.70% | 180 Months ($20,000 minimum |