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+)	4.75	4.75	24
	5.00	5.00	36
	5.25	5.25	48
	5.50	5.50	60
	5.75	5.75	72
	6.00	6.00	84
Standard Financing (660 to 719)	5.25	5.25	24
	5.50	5.50	36
	5.75	5.75	48
	6.00	6.00	60
	6.25	6.25	72
	6.50	6.50	84
Standard Financing (600-659)	5.75	5.75	24
	6.00	6.00	36
	6.25	6.25	48
	6.50	6.50	60
	6.75	6.75	72
	7.00	7.00	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+)	6.50	6.50	84
1 to 4 years old (720+)	6.25	6.25	72
1 to 4 years old (720+)	6.00	6.00	60
5 to 7 years old (720+)	5.75	5.75	48
5 to 7 years old (720+)	5.50	5.50	36
5 to 7 years old (720+)	5.25	5.25	24
1 to 4 years old (660 to 719)	7.00	7.00	84
1 to 4 years old (660 to 719)	6.75	6.75	72
1 to 4 years old (660 to 719)	6.50	6.50	60
5 to 7 years old (660 to 719)	6.25	6.25	48
5 to 7 years old (660 to 719)	6.00	6.00	36
5 to 7 years old (660 to 719)	5.75	5.75	24
1 to 4 years old (600-659)	7.50	7.50	84
1 to 4 years old (600-659)	7.25	7.25	72
1 to 4 years old (600-659)	7.00	7.00	60
5 to 7 years old (600 to 659)	6.75	6.75	48
5 to 7 years old (600 to 659)	6.50	6.50	36
5 to 7 years old (600 to 659)	6.25	6.25	24

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	8.50	8.50	120
Mobile Home – Used	9.50	9.50	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+)	6.75	6.75	48
Motorcycle, Boat, Trailer/Camper (680 to 719)	7.25	7.25	48
Motorcycle, Boat, Trailer/Camper (600 to 659)	7.75	7.75	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	5.25	5.25	60
	5.75	5.75	120
	6.25	6.25	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+)	8.00	8.00	72
Maximum $25,000 Tier B (660 to 719)	9.50	9.50	72
Maximum $25,000 Tier C (600 to 659)	11.00	11.00	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	7.50	7.50	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)	.05	.05	n/a
Primary Shares ($10,000.00, up to $49,999.99)	.15	.15	n/a
Super Shares ($50,000.00 and Above)	.25	.25	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 12/28/24 – MINIMUM DEPOSIT $500 – A PENALTY WILL BE IMPOSED FOR THE EARLY REDEMPTION ON CERTIFICATES
Cumulative Certificate Balance – $500.00 to $19,999.99	3.50	3.50	3
	0.60	0.60	6
	0.75	0.75	9
	2.75	2.75	12
	1.10	1.10	18
	1.20	1.20	24
	1.30	1.30	30
	1.40	1.40	36
	1.50	1.50	48
	1.80	1.80	60
Cumulative Certificate Balance – $20,000.00 to $84,999.99	3.75	3.75	3
	0.70	0.70	6
	0.85	0.85	9
	3.00	3.00	12
	1.20	1.20	18
	1.30	1.30	24
	1.40	1.40	30
	1.50	1.50	36
	1.60	1.60	48
	1.90	1.90	60
Cumulative Certificate Balance – $85,000 and Above	4.00	4.00	3
	0.80	0.80	6
	0.95	0.95	9
	3.25	3.25	12
	1.30	1.30	18
	1.40	1.40	24
	1.50	1.50	30
	1.60	1.60	36
	1.70	1.70	48
	2.00	2.00	60

IRA CDs
RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE	Rate	APY*	Term
Cumulative Certificate Balance – $500.00 to $19,999.99	3.50	3.56	3
	0.60	0.60	6
	0.75	0.75	9
	2.75	2.78	12
	1.10	1.11	18
	1.20	1.21	24
	1.30	1.31	30
	1.40	1.14	36
	1.50	1.51	48
	1.80	1.81	60
Cumulative Certificate Balance – $20,000 to $84,999.99	3.75	3.82	3
	0.70	0.70	6
	0.85	0.85	9
	3.00	3.04	12
	1.20	1.21	18
	1.30	1.31	24
	1.40	1.41	30
	1.50	1.51	36
	1.60	1.61	48
	1.90	1.92	60
Cumulative Certificate Balance – $85,000 and Above	4.00	4.07	3
	0.80	0.80	6
	0.95	0.95	9
	3.25	3.30	12
	1.30	1.31	18
	1.40	1.41	24
	1.50	1.51	30
	1.60	1.61	36
	1.70	1.71	48
	2.00	2.02	60

*APY = Annual Percentage Yield