Current Rates
Savings & IRA Rates
Rates effective as of 6/01/2025
Savings Account
| Type | Rate | APY** |
|---|---|---|
| Regular Savings | 0.10% | 0.10% |
| Christmas Club | 0.10% | 0.10% |
| Vacation Club | 0.10% | 0.10% |
IRA Account
| Balance | Term | Rate | APY** |
|---|---|---|---|
| No Minimum | Quarterly IRA Savings | 0.10% | 0.10% |
| $500 Minimum | 90 Days | 3.94% | 4.00% |
| $500 Minimum | 180 Days | 3.94% | 4.00% |
| $500 Minimum | 12 Month | 3.94% | 4.00% |
| $500 Minimum | 18 Month | 3.94% | 4.00% |
| $500 Minimum | 24 Month | 3.94% | 4.00% |
| $500 Minimum | 36 Month | 3.94% | 4.00% |
Certificate Rates
Rates effective as of 6/01/2025
Investment Certificates
| Minimum | Term | Rate | APY** |
|---|---|---|---|
| $500 Minimum | 90 Days | 3.94% | 4.00% |
| $500 Minimum | 180 Days | 3.94% | 4.00% |
| $500 Minimum | 1 Year | 3.94% | 4.00% |
| $500 Minimum | 18 Month | 3.94% | 4.00% |
| $500 Minimum | 24 Month | 3.94% | 4.00% |
| $500 Minimum | 36 Month | 3.94% | 4.00% |
Loan Rates
Rates effective as of 6/1/2025
Loan
| Type | APR* |
|---|---|
| Share Secured - 100% | 5.50% |
| Unsecured Signature Loan | as low as 12.75% |
| Visa Loan - Variable Rate | as low as 14.00% |
| New & Used Vehicles** | as low as 4.99% |
| Student Loan Refinancing | go to partner.lendkey.com for details |
**Loan rates are quoted as the lowest available. Actual rates based on NADA retail value, credit score, model year, term, and down payment. PCU offers rates as low as 4.99% for 24 months, 5.24% up to 36 months, 5.49% for 48 months, 5.74% up to 60 months, 6.49% up to 72 months or 7.49% up to 84 months. (84-month term available on new vehicles. Minimum $40,000 loan.)