Rates :: Postal Employees CU

Loans

New Auto
Loans – RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE	Rate	APR*	Term
For loan approval, minimum credit score must be at least 600, due to regulations. NUMBERS IN PARENTHESIS REFER TO CREDIT SCORE. ALL RATES ARE PERCENTS.
Standard Financing (720+)	2.00	2.00	24
	2.25	2.25	36
	2.50	3.50	48
	2.75	2.75	60
	3.00	3.00	72
	3.25	3.25	84
Standard Financing (660 to 719)	2.50	2.50	24
	2.75	2.75	36
	3.00	3.00	48
	3.25	3.25	60
	3.50	3.50	72
	3.75	3.75	84
Standard Financing (600-659)	3.00	3.50	24
	3.25	3.75	36
	3.50	3.50	48
	3.75	3.75	60
	4.00	4.00	72
	4.25	4.25	84

Used Auto
Loans – RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE	Rate	APR*	Term
For loan approval, minimum credit score must be at least 600. NUMBERS IN PARENTHESIS REFER TO CREDIT SCORE. ALL RATES ARE PERCENTS
1 to 4 years old (720+)	3.25	3.25	60
5 to 7 years old (720+)	2.50	2.50	24
5 to 7 years old (720+)	2.75	2.75	36
5 to 7 years old (720+)	3.00	3.00	48
1 to 4 years old (660 to 719)	4.00	4.00	60
5 to 7 years old (660 to 719)	3.25	3.25	24
5 to 7 years old (660 to 719)	3.50	3.50	36
5 to 7 years old (660 to 719)	3.75	3.75	48
1 to 4 years old (600-659)	4.75	4.75	60
5 to 7 years old (600 to 659)	4.00	4.00	24
5 to 7 years old (600 to 659)	4.25	4.25	36
5 to 7 years old (600 to 659)	4.50	4.50	48

Mobile Home
Loans – RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE	Rate	APR*	Term
For loan approval, minimum credit score must be at least 600. NUMBERS IN PARENTHESIS REFER TO CREDIT SCORE
Mobile Home – New	7.50	7.50	120
Mobile Home – Used	8.50	8.50	120

Recreational
Loans – RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE	Rate	APR*	Term
For loan approval, minimum credit score must be at least 600. NUMBERS IN PARENTHESIS REFER TO CREDIT SCORE
Motorcycle, Boat, Trailer/Camper (720+)	6.00	6.00	48
Motorcycle, Boat, Trailer/Camper (680 to 719)	6.50	6.50	48
Motorcycle, Boat, Trailer/Camper (600 to 659)	7.00	7.00	48

Home Equity
Loans – RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE	Rate	APR*	Term
For loan approval, minimum credit score must be at least 600.
80% Loan to Value	4.00	4.00	60
	4.25	4.25	120
	4.75	4.75	180

Education Loans
Loans – RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE	Rate	APY*	Term
For loan approval, minimum credit score must be at least 600. NUMBERS IN PARENTHESIS REFER TO CREDIT SCORE
Maximum $25,000 Tier A (720+)	8.000	8.000	72
Maximum $25,000 Tier B (660 to 719)	9.500	9.500	72
Maximum $25,000 Tier C (600 to 659)	11.000	11.000	72

Misc & Unsecured Loans
Loans – RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE	Rate	APR*	Term
For loan approval, minimum credit score must be at least 600. NUMBERS IN PARENTHESIS REFER TO CREDIT SCORE
Computer Loans – Maximum $3,000 (See Education Loans)	TIER	TIER	36
Bill Payer – (See Unsecured Loans)	TIER	TIER	48
Visa Credit Card	10.90	10.90	n/a
Credit Card Debt Consolidation Loan	6.99	6.99	84
Vacation/Holiday (Max $1000)	18.00	18.00	12
Tier A – Maximum $12,000 (720+)	10.00	10.00	48
Tier B – Maximum $12,000 (680 + 719)	13.00	13.00	48
Tier C – Maximum $12,000 (640 + 679)	16.00	16.00	48
Tier D – Maximum $12,000 (600 + 639)	18.00	18.00	48
Share Secured	2.20	2.20	48

*APR = Annual Percentage Rate

Savings
Savings	Dividend Rate	APY*	Term
Regular Shares (Below $10,000.00)	.03	.03	n/a
Primary Shares ($10,000.00, up to $49,999.99)	.10	.10	n/a
Super Shares ($50,000.00 and Above)	.17	.17	n/a
Share Draft (Checking)	.01	.01	n/a

*APY = Annual Percentage Yield

Certificates
RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE	Rate	APY*	Term
Certificates – ANNUAL PERCENTAGE YIELDS AS OF 05/26/2021 – MINIMUM DEPOSIT $500 – A PENALTY WILL BE IMPOSED FOR THE EARLY REDEMPTION ON CERTIFICATES
Cumulative Certificate Balance – $500.00 to $19,999.99	0.05	0.05	3
	0.05	0.05	6
	0.05	0.05	9
	0.10	0.10	12
	0.15	0.15	18
	0.20	0.20	24
	0.25	0.25	30
	0.30	0.30	36
	0.35	0.35	48
	0.40	0.40	60
Cumulative Certificate Balance – $20,000.00 to $84,999.99	0.10	0.10	3
	0.10	0.10	6
	0.10	0.10	9
	0.15	0.15	12
	0.25	0.25	18
	0.30	0.30	24
	0.35	0.35	30
	0.40	0.40	36
	0.45	0.45	48
	0.50	0.50	60
Cumulative Certificate Balance – $85,000 and Above	0.15	0.15	3
	0.15	0.15	6
	0.15	0.15	9
	0.20	0.20	12
	0.35	0.35	18
	0.40	0.40	24
	0.45	0.45	30
	0.50	0.50	36
	0.55	0.55	48
	0.60	0.60	60

IRA CDs
RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE	Rate	APY*	Term
Cumulative Certificate Balance – $500.00 to $19,999.99	0.05	0.05	3
	0.05	0.05	6
	0.05	0.05	9
	0.10	0.10	12
	0.15	0.15	18
	0.20	0.20	24
	0.25	0.25	30
	0.30	0.30	36
	0.35	0.35	48
	0.40	0.40	60
Cumulative Certificate Balance – $20,000 to $84,999.99	0.15	0.15	3
	0.15	0.15	6
	0.15	0.15	9
	0.20	0.20	12
	0.25	0.25	18
	0.30	0.30	24
	0.35	0.35	30
	0.40	0.40	36
	0.45	0.45	48
	0.50	0.50	60
Cumulative Certificate Balance – $85,000 and Above	0.25	0.25	3
	0.25	0.25	6
	0.25	0.25	9
	0.30	0.30	12
	0.35	0.35	18
	0.40	0.40	24
	0.45	0.45	30
	0.50	0.50	36
	0.55	0.55	48
	0.60	0.60	60

*APY = Annual Percentage Yield