You’re never too young to become a Smart Saver
Build an adult balance at an early age with competitive dividends and rewards that make money management easy.
Benefits You’ll Love
- No monthly service fees
- Freedom of no minimum balance requirement
- Use the Smart Savers punch card to earn with each deposit
- View and manage account conveniently from your mobile
- Designed for members ages 0 -18
- Open with just $25
- Free gift at account opening
- Special youth events throughout the year
- No monthly service fee
- Joint ownership with parent or guardian
- Earn punches with the Smart Saver Card simply by making deposits. Redeem for rewards.
- Free usage of coin machines at PCU locations
- Easily monitor activity and balances with free digital banking services, including:
- Free online banking & bill pay
- Free mobile banking with mobile deposit
- Free eStatements
- Account to account transfers allow parents to pay for chores, allowances, etc. or for teens to transfer to the parents account
- Alerts for teens and parents
- Access to thousands of surcharge-free ATMs and shared branches
Learn more about our Smart Start Youth accounts by contacting a Member Service Representative today!
Empower your teenager with financial independence.
Whether they are going into high school or getting ready to head off to college, a Jump Start Teen Checking account is the next step to financial independence.
Benefits:
- Free checking - exclusive to members ages 13 to 18
- Open with just $5
- Free gift at account opening
- Special youth events throughout the year
- No monthly servcie fee
- No minimum balance
- Joint ownership with parent or guardian
- Earn rewards with the Smart Saver Card
- No monthly maintenance fees
- Free usage of coin machines at PCU locations
- Unlimited check writing
- Free first box of checks
- Free Visa debit card
- Account to account transfers allow parents to pay for chores, allowance, etc. or for teens to transfer to the parents account
- Alerts for teens and parents
- Free debit card roundup encourages savings
- Earn at a greater rate than traditional savings accounts
- Guaranteed returns for the length of your term
- Higher rates on longer term share certificates
- Terms range from 6 months to 5 years for adult members
- 6 month and 12 month terms available for youth members
- Early withdrawal penalties apply
- Funds are NCUA insured for your protection
- $500 minimum deposit to open for adult certificates
- $50 minimum deposit to open for youth certificates
- Youth certificates allow for deposits during the certificate term (minimum deposits of $50)
- Join ownership with parent or guardian for youth certificates
Contact a PCU representative today to take advantage of great rates!
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto Loans
| Term | APR |
|---|---|
| Up to 36 Months | 5.49% - 19.74% |
| 37 - 48 Months | 5.49% - 19.74% |
| 49 - 60 Months | 5.49% - 19.74% |
| 61 - 72 Months | 5.99% - 13.99% |
| 73 - 84 Months | 6.49% - 14.49% |
*Rate may vary based on credit history and other qualifications.
APR is based on credit history. Rates apply to most vehicles, with approved credit. Based upon past credit history. All rates are subject to change without notice.
Fixed Home Equity Loans - 1st Position
| Term | Rate |
|---|---|
| 10 Years | 7.00% - 9.00% |
| 15 Years | 7.25% - 9.25% |
*Rate may vary based on credit history and other qualifications.
Fixed Home Equity Loans - 2nd Position
| Term | Rate |
|---|---|
| 10 Years | 7.25% - 9.25% |
| 15 Years | 7.50% - 9.50% |
*Rate may vary based on credit history and other qualifications.
Holiday Loans
| Term | APR |
| 12 Months | 8.99% - 14.99% |
| 24 Months | 9.25% - 15.24% |
*Rate may vary based on credit history and other qualifications.
APR is based upon credit history.
Home Equity Lines of Credit
| LTV | 730+ Credit Score |
729 - 680 Credit Score |
679 - 650 Credit Score |
649 - 620 Credit Score |
619 - 590 Credit Score |
<590 Credit Score |
No Score |
|---|---|---|---|---|---|---|---|
| <60% | Index* | Index* | Index* + 1.00% | Index* + 2.00% | N/A | N/A | Index* + 4.00% |
| 60% - 69% | Index* | Index* | Index* + 1.00% | Index* + 3.00% | N/A | N/A | Index* + 5.00% |
| 70% - 80% | Index* | Index* | Index* + 1.00% | Index* + 4.00% | N/A | N/A | Index* + 6.00% |
*Index is equal to the greater of Wall Street Journal Prime or Floor Rate Floor Rate - 3.90% Prime Rate – 7.75%
*Rate may vary based on credit history and other qualifications.
Money Market
| Balance | Dividend Rate | APY |
|---|---|---|
| $1,000 - $9,999.99 | 1.00% | 1.00% |
| $10,000 - $24,999.99 | 1.25% | 1.26% |
| $25,000 - $49,999.99 | 1.25% | 1.26% |
| $50,000 - $99,999.99 | 1.50% | 1.51% |
| $100,000+ | 2.00% | 2.02% |
Personal Line of Credit
| 730+ Credit Score |
729 - 680 Credit Score |
679 - 650 Credit Score |
649 - 620 Credit Score |
619 - 590 Credit Score |
<589 Credit Score |
|---|---|---|---|---|---|
| Prime* + 2.5% | Prime* + 4.00% | Prime* + 5.00% | Prime* + 7.00% | Prime* + 13.00% | Prime* + 13.00% |
*Rate may vary based on credit history and other qualifications.
Floor Rate is 4.90%. Prime Rate is 7.75%
*Index is equal to the greater of Wall Street Journal Prime or Floor Rate
Personal Term Loans (Unsecured/Signature)
| Term | APR |
|---|---|
| 24 Months | 9.99% - 20.24% |
| 36 Months | 9.99% - 20.24% |
| 48 Months | 10.49% - 20.74% |
| 60 Months | 10.99% - 21.24% |
*Rate may vary based on credit history and other qualifications.
APR is based upon credit history.
Recreational Vehicles (2012 & Older)
| Term | APR |
|---|---|
| Up to 60 Months | 7.99% - 18.49% |
*Rate may vary based on credit history and other qualifications.
APR is based on credit history. Rates apply to most vehicles, with approved credit. Based upon past credit history. All rates are subject to change without notice.
Recreational Vehicles (2013 & Newer)
| Term | APR |
|---|---|
| 24 - 48 Months | 6.99% - 20.99% |
| 49 - 60 Months | 6.99% - 20.99% |
| 61 - 72 Months | 7.49% - 16.24% |
| 73 - 84 Months | 7.74% - 10.74% |
| 85 - 96 Months | 7.99% - 10.99% |
| 97 - 120 Months | 8.49% - 11.49% |
*Rate may vary based on credit history and other qualifications.
APR is based on credit history. Rates apply to most vehicles, with approved credit.Based upon past credit history. All rates are subject to change without notice.
Share Accounts
| Product | Dividend Rate | APY |
|---|---|---|
| Power Shares | 0.05% | 0.05% |
| Christmas Club | 0.10% | 0.10% |
| Escrow | 0.10% | 0.10% |
| Secondary Shares | 0.10% | 0.10% |
| IRA Shares | 0.20% | 0.20% |
Share Certificates
| Term & Balance | Dividend Rate | APY |
|---|---|---|
| 6 Month ($500 - $49,999.99) | 4.00% | 4.06% |
| 6 Month ($50,000+) | 4.10% | 4.16% |
| 6 Month Youth CD ($50 - $49,999.99) | 4.00% | 4.06% |
| 6 Month Youth CD ($50,000+) | 4.10% | 4.16% |
| 1 Year ($500 - $49,999.99) | 3.80% | 3.86% |
| 1 Year ($50,000+) | 3.90% | 3.96% |
| 1 Year Youth CD ($50 - $49,999) | 3.80% | 3.86% |
| 1 Year Youth CD ($50,000+) | 3.90% | 3.96% |
| 2 Years ($500 - $49,999.99) | 3.60% | 3.65% |
| 2 Years ($50,000+) | 3.70% | 3.75% |
| 3 Years ($500 - $49,999.99) | 3.20% | 3.24% |
| 3 Years ($50,000+) | 3.30% | 3.34% |
| 4 Years ($500 - $49,999.99) | 3.20% | 3.24% |
| 4 Years ($50,000+) | 3.30% | 3.34% |
| 5 Years ($500 - $49,999.99) | 3.20% | 3.24% |
| 5 Years ($50,000+) | 3.30% | 3.34% |
Minimum Balance is $500 for adult depositors and $50 for Youth (18 and under). All rates are subject to change. Share certificates can be set up to auto renew. Early withdrawal penalties apply. We will match local competitor certificate rates up to .25% based on published equivalent terms and balances. Ask a representative for availability and details.
Promotional certificates are not eligible for auto renewal.
VISA Credit Cards
| 730+ Credit Score |
729 - 680 Credit Score |
679 - 650 Credit Score |
649 - 620 Credit Score |
619 - 590 Credit Score |
<589 Credit Score |
|---|---|---|---|---|---|
| 8.90% | 10.40% | 11.40% | 13.40% | 17.40% | 18.00%** |
**Secured VISA® Only.
*Rate may vary based on credit history and other qualifications.