Vehicle Loans
Rates effective as of February 20, 2020
| Loan Type | APR | Maximum Term |
|---|---|---|
| New & Used Vehicle | 3.49% - 16.74% | 72 |
| New & Used Vehicle | 4.49% - 16.74% | 84 |
| New & Used Motorcycle | 6.24% - 16.74% | 72 |
| New & Used Boat & RV | 6.74% - 16.79% | 72 |
| New & Used Boat & RV | 7.54% - 16.79% | 144 |
| First-time Auto Borrower | 6.29% - 8.04% | 60 |
Annual Percentage Rates (APR) are subject to change. Rate, maximum term, maximum loan amount and advance amount based on credit qualifications. Maximum term varies based on loan amount. Lowest quoted rate assumes a 0.25% APR discount for borrowers who maintain a Relationship Checking account. Rate increases by 2.00% APR for vehicles with 100,001 to 150,000 miles and/or are 11 model years old or older.
A $200 fee applies to reduce the rate of an existing PSCU loan. The credit union reserves the right to determine collateral value based on industry recognized guides or full appraisal. Collateral protection insurance is required to obtain any secured loan. Must be 18 or older to apply. Loans subject to all credit union policies and procedures. Call for details. Representative example: Pay $15.41 per month per $1,000 borrowed for 72 months at 3.49% APR with up to 100% financing.
First-time auto borrower rate: Learn about discounts and details. Lowest quoted rate is for 80% or less LTV. Highest rate is for LTV of 81% or greater. A 1.00% APR increase applies if payment exceeds 15% of gross monthly income. Maximum LTV 90%.
A $200 fee applies to reduce the rate of an existing PSCU loan. The credit union reserves the right to determine collateral value based on industry recognized guides or full appraisal. Collateral protection insurance is required to obtain any secured loan. Must be 18 or older to apply. Loans subject to all credit union policies and procedures. Call for details. Representative example: Pay $15.41 per month per $1,000 borrowed for 72 months at 3.49% APR with up to 100% financing.
First-time auto borrower rate: Learn about discounts and details. Lowest quoted rate is for 80% or less LTV. Highest rate is for LTV of 81% or greater. A 1.00% APR increase applies if payment exceeds 15% of gross monthly income. Maximum LTV 90%.
Visa
Rates effective as of February 20, 2020
| Loan Type | APR | Max Term (in months) |
|---|---|---|
| Visa Platinum Rewards and Platinum Rewards Starter | 8.75% - 13.75% | N/A |
Visa: The annual percentage rate is variable based on credit worthiness at the time of application. After that, the rate will vary with the market based on the Prime Rate.
Mortgage Loans
30-Year Fixed Rates
Rates effective as of February 21, 2020
| Loan Type | Maximum Financed | Rate | Points | APR |
|---|---|---|---|---|
| Conforming | $510,400 | 3.250% | 1.00 | 3.384% |
| Conforming | $510,400 | 3.375% | 0.00 | 3.428% |
| Conforming Plus | $765,600 | 3.250% | 1.00 | 3.374% |
| Conforming Plus | $765,600 | 3.625% | 0.00 | 3.670% |
| Jumbo | $2,500,000 | 3.500% | 1.00 | 3.620% |
| Jumbo | $2,500,000 | 3.750% | 0.00 | 3.789% |
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VA Loan 30-Year Fixed Rates
| Loan Type | Maximum Financed | Rate | Points | APR |
|---|---|---|---|---|
| Conforming | $510,400 | 2.875% | 0.00 | 3.172% |
| High Balance | $765,600 | 3.500% | 1.00 | 3.800% |
|
High Balance
|
$765,600 | 4.125% | 0.00 | 4.439% |
FHA Loan 30-Year Fixed Rates
| Loan Type | Maximum Financed | Rate | Points | APR |
|---|---|---|---|---|
| Conforming | $510,400 | 2.875% | 0.00 | 4.602% |
| High Balance | $765,600 | 3.500% | 1.00 | 5.265% |
| High Balance | $765,600 | 4.125% | 0.00 | 5.760% |
20-Year Fixed Rates
| Loan Type | Maximum Financed | Rate | Points | APR |
|---|---|---|---|---|
| Conforming | $510,400 | 3.000% | 1.00 | 3.187% |
| Conforming | $510,400 | 3.250% | 0.00 | 3.325% |
15-Year Fixed Rates
| Loan Type | Maximum Financed | Rate | Points | APR |
|---|---|---|---|---|
| Conforming | $510,400 | 2.875% | 1.00 | 3.116% |
| Conforming | $510,400 | 2.990% | 0.00 | 3.086% |
| Conforming Plus | $765,600 | 2.875% | 1.00 | 3.099% |
| Conforming Plus | $765,600 | 2.990% | 0.00 | 3.069% |
| Jumbo | $2,500,000 | 2.875% | 1.00 | 3.089% |
| Jumbo | $2,500,000 | 2.990% | 0.00 | 3.059% |
VA Loan 15-Year Fixed Rates
| Loan Type | Maximum Financed | Rate | Points | APR |
|---|---|---|---|---|
| Conforming | $510,400 | 3.250% | 0.00 | 3.806% |
FHA Loan 15-Year Fixed Rates
| Loan Type | Maximum Financed | Rate | Points | APR |
|---|---|---|---|---|
| Conforming | $510,400 | 3.250% | 0.00 | 5.321% |
30-Year 5/1 Adjustable Rate Mortgage (ARM)
| Loan Type | Maximum Financed | Rate | Points | APR |
|---|---|---|---|---|
| Conforming | $510,400 | 2.875% | 1.00 | 4.152% |
| Conforming | $510,400 | 2.990% | 0.00 | 4.067% |
| High Balance | $650,000 | 2.875% | 1.00 | 4.330% |
| High Balance | $650,000 | 2.990% | 0.00 | 4.245% |
| Jumbo | $2,500,000 | 2.875% | 1.00 | 4.315% |
| Jumbo | $2,500,000 | 2.990% | 0.00 | 4.230% |
30-Year 7/1 Adjustable Rate Mortgage (ARM)
| Loan Type |
Maximum
Financed
|
Rate | Points | APR |
|---|---|---|---|---|
| Conforming | $510,400 | 2.875% | 1.00 | 4.152% |
| Conforming | $510,400 | 3.250% | 0.00 | 4.067% |
30-Year 10/1 Adjustable Rate Mortgage (ARM)
| Loan Type |
Maximum
Financed
|
Rate | Points | APR |
|---|---|---|---|---|
| Conforming | $510,400 | 3.250% | 1.00 | 4.152% |
| Conforming | $510,400 | 3.500% | 0.00 | 4.067% |
Conforming ARM loans:
Index Source = 1 year LIBOR
Margin = 2.250
Index Rate = 1.762
Fully Indexed Rate = 1.762 + 2.250 = 4.012%
5/1 Annual Cap = 2.000%
7/1 and 10/1 Initial Rate Cap Maximum = 5.000%; then 2.000% thereafter
Life Cap = 5.000% over initial rate
Margin = 2.250
Index Rate = 1.762
Fully Indexed Rate = 1.762 + 2.250 = 4.012%
5/1 Annual Cap = 2.000%
7/1 and 10/1 Initial Rate Cap Maximum = 5.000%; then 2.000% thereafter
Life Cap = 5.000% over initial rate
High balance and Jumbo ARM loans:
Index Source = 1 year Treasury
Margin = 2.750
Index Rate = 1.440
Fully Indexed Rate = 1.440 + 2.750 = 4.190%
Annual Cap = 2.000%
Life Cap = 5.000% over initial rate
Margin = 2.750
Index Rate = 1.440
Fully Indexed Rate = 1.440 + 2.750 = 4.190%
Annual Cap = 2.000%
Life Cap = 5.000% over initial rate
30-Year 5/5 Adjustable Rate Mortgage (ARM)
| Loan Type |
Maximum
Financed
|
Rate | Points | APR |
|---|---|---|---|---|
| Conforming | $510,400 | 2.875% | 1.00 | 3.951% |
| Conforming | $510,400 | 2.990% | 0.00 | 3.868% |
Index Source = 5 Year Treasury Securities
Margin = 2.500
Index Rate = 1.313
Fully Indexed Rate = 1.313 + 2.500 = 3.813%
Initial Rate Cap = 5.000%
Future Rate Adjustments After Initial Rate Adjustment = 2.000%
Life Cap = 8.000% over initial rate
Margin = 2.500
Index Rate = 1.313
Fully Indexed Rate = 1.313 + 2.500 = 3.813%
Initial Rate Cap = 5.000%
Future Rate Adjustments After Initial Rate Adjustment = 2.000%
Life Cap = 8.000% over initial rate
Rates, points and programs cannot be guaranteed and are subject to change without notice. Loans subject to all policies and procedures. Property insurance is required. Flood insurance may apply. No mobile homes. Quoted conforming rates are based on a loan amount of $250,000, rate and term only. Rate adjustments may apply for cash out, loans under or over $250,000, rental/vacation/second home properties or loan-to-value (LTV) over 70% of appraised value. Actual rate will be determined after receipt of application and prior to execution of final loan documents. There are no pre-payment penalties on these quotes. Representative example: Pay $4.42 per month per $1,000 borrowed at 3.375% APR for 30 years. Taxes and insurance are not included in this calculation.
VA loans: Require a funding fee which is non-refundable after loan closing.
VA loans: Require a funding fee which is non-refundable after loan closing.
FHA loans: Sample APR includes MIP required on all FHA loans. Maximum amount financed varies by county. Maximum amount shown represents Contra Costa County. Please contact us for further details.
Home Equity Loans
Rates effective as of February 20, 2020
| Loan Type | APR | Term |
|---|---|---|
| Home Equity Loan | 4.490% | 60 |
| Home Equity Loan | 4.990% | 84 |
| Home Equity Loan | 5.990% |
120
|
| Home Equity Loan | 6.990% | 180 |
| Home Equity - Second Home | 8.490% | 180 |
| Home Equity - Investment Home | 8.490% | 144 |
| On The House Refinance - 7-year | 2.990% | 84 |
| On The House Refinance - 15-year | 3.500% | 180 |
| On The House Refinance - 15-year Second Home |
5.000% | 180 |
| On The House Refinance - 12-year Investment Home |
5.000% | 144 |
| Home Equity Line of Credit | 4.500% | n/a |
| Home Equity Line of Credit (First position) | 4.500% | n/a |
Loans subject to all credit union policies and procedures. Property insurance is required. Flood insurance may apply. No manufactured or mobile homes. Member is responsible for payment of all insurance and property taxes. Rates increase by 0.25% APR for loans over $510,400.
All home equity loans and lines of credit are for California properties only. Credit limited to 5 acres or less and 4 units or less. For fixed second mortgages, we lend up to 80% of the appraised home value less the first mortgage balance on primary residences. Minimum loan amount is $10,000; maximum loan is $2,500,000. Actual setup costs apply for loans less than $15,000. An early closure fee of $100 plus actual set up costs will be imposed if loan is closed within two years of opening. Notary and reconveyance fees are the responsibility of the borrower. Representative example: Pay $8.98 per month per $1,000 borrowed for 180 months at 6.99% APR with up to 80% LTV.
Second homes and investment properties: We lend up to 70% of the appraised home value to a maximum of $765,600. Maximum term for second homes is 15 years; maximum term for investment properties is 12 years.
All home equity lines of credit: Limited to California owner-occupied residences. Minimum payments are interest only for the first 10 years followed by 15 years of fully amortized payments. Rates change with the prime rate as published in the 'Money Rates' section of the Wall Street Journal. These are variable-rate loans, the rate may change monthly. The Home Equity Line of Credit variable rate is 0.50% APR less than the prime rate and the Line of Credit Refinance variable rate is 0.75% APR less than the prime rate. Actual set up costs apply for loans over $250,000. Initial setup fees generally range between $500 and $2,500 for lines over $250,000. An annual fee of $50 will be charged only if the account is inactive for one year. The minimum APR is 4.50% and the maximum APR is 18.00%.
On the House loan: We lend up to 80% of the appraised value for California primary residences. We lend 70% of the appraised value for California second homes and investment properties. Rate increases by 0.25% APR for loans over $510,400. An early closure fee of $100 plus actual costs will be imposed if the loan is closed within two years of opening. Notary and reconveyance fees are the responsibility of the borrower. Representative example: Pay $13.44 per month per $1,000 borrowed for 84 months at 3.500% APR with 80% LTV. Taxes and insurance are not included in this calculation.
7-year product: Actual set up costs apply for loans less than $50,000.
15-year product: Limited to California owner-occupied residences, second homes and investment properties. Actual set up costs apply for loans less than $15,000. Maximum loan amount for second homes and investment properties is $765,600.
All home equity loans and lines of credit are for California properties only. Credit limited to 5 acres or less and 4 units or less. For fixed second mortgages, we lend up to 80% of the appraised home value less the first mortgage balance on primary residences. Minimum loan amount is $10,000; maximum loan is $2,500,000. Actual setup costs apply for loans less than $15,000. An early closure fee of $100 plus actual set up costs will be imposed if loan is closed within two years of opening. Notary and reconveyance fees are the responsibility of the borrower. Representative example: Pay $8.98 per month per $1,000 borrowed for 180 months at 6.99% APR with up to 80% LTV.
Second homes and investment properties: We lend up to 70% of the appraised home value to a maximum of $765,600. Maximum term for second homes is 15 years; maximum term for investment properties is 12 years.
All home equity lines of credit: Limited to California owner-occupied residences. Minimum payments are interest only for the first 10 years followed by 15 years of fully amortized payments. Rates change with the prime rate as published in the 'Money Rates' section of the Wall Street Journal. These are variable-rate loans, the rate may change monthly. The Home Equity Line of Credit variable rate is 0.50% APR less than the prime rate and the Line of Credit Refinance variable rate is 0.75% APR less than the prime rate. Actual set up costs apply for loans over $250,000. Initial setup fees generally range between $500 and $2,500 for lines over $250,000. An annual fee of $50 will be charged only if the account is inactive for one year. The minimum APR is 4.50% and the maximum APR is 18.00%.
On the House loan: We lend up to 80% of the appraised value for California primary residences. We lend 70% of the appraised value for California second homes and investment properties. Rate increases by 0.25% APR for loans over $510,400. An early closure fee of $100 plus actual costs will be imposed if the loan is closed within two years of opening. Notary and reconveyance fees are the responsibility of the borrower. Representative example: Pay $13.44 per month per $1,000 borrowed for 84 months at 3.500% APR with 80% LTV. Taxes and insurance are not included in this calculation.
7-year product: Actual set up costs apply for loans less than $50,000.
15-year product: Limited to California owner-occupied residences, second homes and investment properties. Actual set up costs apply for loans less than $15,000. Maximum loan amount for second homes and investment properties is $765,600.
Personal Loans
Rates effective as of February 20, 2020
| Loan Type | APR | Max Term (in months) |
|---|---|---|
| Personal Closed End | 5.99% - 8.99% | 36 |
| Personal Closed End | 8.99% - 17.99% | 60 |
| Share-Secured | Account rate plus 2.00% | 60 |
| Certificate-Secured | Certificate rate plus 2.00% | 12 months or maturity date, whichever is less |
36-month personal loan: Annual Percentage Rate (APR) is subject to change. Lowest rate quoted. Rate may be up to 3.00% APR above quoted rate based on creditworthiness at the time of application. Representative example: Pay $30.42 per month per $1,000 borrowed for 36 months at 5.99% APR. Personal Loan: Terms up to 60 months.
Personal loan may not be used to refinance an existing Pacific Service CU loan. Must be 18 or older to apply. Loans subject to all credit union policies and procedures. Rate, maximum term and loan amount based on credit qualifications. Representative example: Pay $20.75 per month per $1,000 borrowed for 60 months at 8.99% APR. Call for details.
Personal loan may not be used to refinance an existing Pacific Service CU loan. Must be 18 or older to apply. Loans subject to all credit union policies and procedures. Rate, maximum term and loan amount based on credit qualifications. Representative example: Pay $20.75 per month per $1,000 borrowed for 60 months at 8.99% APR. Call for details.
Savings, Money Market & Checking
Rates effective as of February 20, 2020
| Account Type | Minimum balance to earn APY | Dividend Rate | APY |
|---|---|---|---|
| Savings Account | $100 - $2,499 | 0.10% | 0.10% |
| Savings Account | $2,500 - $24,999 | 0.10% | 0.10% |
| Savings Account | $25,000 - $49,999 | 0.10% | 0.10% |
| Savings Account | $50,000 and over | 0.10% | 0.10% |
| Money Market Account | $2,500 - $24,999 | 0.45% | 0.45% |
| Money Market Account | $25,000 - $74,999 | 0.55% | 0.55% |
| Money Market Account | $75,000 and over | 0.70% | 0.70% |
| Plu$ Checking | $7,500 - $24,999 | 0.10% | 0.10% |
| Plu$ Checking | $25,000 - $74,999 | 0.10% | 0.10% |
| Plu$ Checking | $75,000 and over | 0.10% | 0.10% |
Dividend rate and annual percentage yield (APY) are subject to change after account is opened. Fees may reduce earnings. Dividends are credited on the last day of the month and compound monthly. Savings Accounts: $5 minimum opening deposit required. Money Market: No minimum opening deposit required. Plu$ Checking: No minimum opening deposit required.
Certificates
Rates effective as of February 20, 2020
| Term | Balances under $50,000 | Balances $50,000 -$99,999 |
Balances of $100,000 and over | |||
|---|---|---|---|---|---|---|
| Dividend Rate | APY | Dividend Rate | APY | Dividend Rate | APY | |
| 3 Month | 0.65% | 0.65% | 0.70% | 0.70% | 0.75% | 0.75% |
| 6 Month | 0.85% | 0.85% | 0.90% | 0.90% | 0.95% | 0.95% |
| 9 Month | 1.09% | 1.10% | 1.14% | 1.15% | 1.19% | 1.20% |
| 1 Year | 1.29% | 1.30% | 1.34% | 1.35% | 1.39% | 1.40% |
| 2 Year | 1.88% | 1.90% | 1.93% | 1.95% | 1.98% | 2.00% |
| 3 Year | 2.18% | 2.20% | 2.23% | 2.25% | 2.28% | 2.30% |
| 4 Year | 2.23% | 2.25% | 2.28% | 2.30% | 2.33% | 2.35% |
|
5 Year
|
2.28% | 2.30% | 2.33% | 2.35% | 2.37% | 2.40% |
| 18 Month Bump Up | 1.49% | 1.50% | 1.54% | 1.55% | 1.59% | 1.60% |
| 30-Month Add-On | 1.93% | 1.95% | 1.98% | 2.00% | 2.03% | 2.05% |
Annual Percentage Yield (APY) assumes dividends remain on deposit until maturity. Fees may reduce earnings and a penalty will be imposed for early withdrawal. Dividends are credited on the last day of the month and compound monthly. $1,000 minimum required to open account and earn dividends; $100 for members age 23 and under; $500 for IRA. Add-on certificates: Anytime during the term, minimum add-on is $1,000, $100 for members 23 and under, $500 for IRA. Additional deposits do not advance maturity. Bump-Up Certificate: One dividend increase per term. Maturity date will not advance.
Fee Schedule
This Fee Schedule is for all accounts and sets forth conditions, fees, and charges applicable to your accounts with us.
| Checking Account Fees | |
|---|---|
| Relationship Checking | $10 per month if direct deposit is not maintained OR $25,000 average monthly aggregate deposit and loan balance is not maintained |
| Plu$ Checking | $10 per month if average monthly balance falls below $7,500 |
| Nonsufficient funds fee (NSF) | $25 per item |
| Courtesy pay fee | $25 per item; if the balance is negative $5.01 or more |
| Check copies | 2 free per month, then $2 per copy |
| Check copies - rush order | 2 free per month + FedEx costs, then $2 per copy + FedEx costs |
| Faxed copy of check | 2 free per month, then $2 per copy |
| Temporary checks | Initial opening checks free, then $5 after |
| Check orders | Varies depending on style |
| Foreign ATM/debit card transaction | Percentage of transaction amount: 0.8% (no currency conversion); 1% (currency conversion required) |
| Fees Applicable to All Accounts | |
|---|---|
| ACH - electronic payment by phone - incoming or outgoing | $15 per item for initial set-up and change requests |
| ATM/mobile deposit - invalid deposit | $25 each |
| ATM/mobile deposit - adjustment | Up to $10 each |
| Returned deposit | $25 per item; $5 per third party item |
| Duplicate mobile deposit | $10 per item |
| Returned payment | $25 per item |
| Foreign check deposit | $1 to $25 per item |
| Stop payments | $20 per stop |
| Notary - member with non-PSCU document | $15 per signature |
| Signature guarantee | $10 each |
| Early closure fee - checking or IRA | $20 within 60 days of account opening |
| Third-party cashier's checks | 1 free per month, then $5 per check |
| Check cashing - for members without a PSCU checking account | $10 per check |
| Bad address (returned mail) | $5 per occurrence |
| Verification of deposit | $10 each |
| Call center account inquiry | 2 free per month, then $1 per call |
| Printed account history or balance | $2 per page |
| Account research or check reconciliation | $20 per hour, 1 hour minimum |
| Express mail/rush/overnight request | $15 each or actual costs, if higher (e.g. Saturday delivery) |
| Copy of statements | $2 per page |
| Copy of third-party cashier's checks | $2 per copy |
| Copy of credit / debit card receipt | $10 each |
| Picture cards | $7.95 per card. First picture card provided at no cost. Member-initiated card reissues before the regular renewal cycle or changes to the image are $7.95 per card. |
| Low balance fee | $5 per month on single service savings accounts of less than $100; fee may be waived if you have another account in good standing |
| Outgoing wire fee | $20 per wire |
| Incoming wire fee | $10 per wire; fee waived with Relationship Checking account |
| IRA transferred to another institution | $25 per transfer |
| Levies, IRS levies, withholding, judgment or legal order | $20 per order or as permitted by law |
| Subpoenas | $20 per order or as permitted by law |
| Escheatment notification | $2 per notice |
| Consumer Lending Fees | |
|---|---|
| Refinance to reduce loan rate | $200 each refinance |
| Consumer loan late charge | 5% of the monthly loan payment amount |
| Visa late charge | Up to $10 each |
| Skip-a-Loan payment | $25 per request |
| Real Estate Fees | |
|---|---|
| First mortgage processing | $300 each |
| First mortgage underwriting | $495 each |
| Deed of reconveyance/recording | $188 |
| Subordination | $125 per loan |
| Verification of mortgage | $10 each |
| Demand for payoff | $30 per demand |
| Redraw document fee | $50 each |
| Real estate additional fax | $10 each |
| Refinance to reduce home equity loan rate |
$300 for loans up to $250,000; $500 for loans over $250,000 |
| Refinance fee for home equity loan/line under $25,000 add-on or within two years of opening | $200 + actual third party costs |
| Early closure fee for home equity loan/line within two years of opening | $100 + actual third party costs |