Rates & Fees

*All Rates Subject to Change

Loan Rates

Home Equity Rates (First Lien)
Length Minimum A.P.R
3 yrs. $5,000.00 As low as 3.00%
5 yrs. $7,000.00 As low as 3.25%
7 yrs. $10,000.00 As low as 3.50%
10 yrs. $10,000.00 As low as 3.75%
12 yrs. $10,000.00 As low as 4.00%
First Lien Home Equity Rates - 100% to 70% LTV.

*No Closing Fee if loan is held for two years.                                    
              
Excludes out of state loans *
Home Equity Rates (Second Lien)
Length Minimum A.P.R
3 yrs. $5,000.00 As low as 3.50%
5 yrs. $7,000.00 As low as 4.00%
7 yrs. $10,000.00 As low as 4.50%
10 yrs. $10,000.00 As low as 5.00%
12 yrs. $10,000.00 As low as 5.50%
Second Lien Home Equity Loans -95% to 65% LTV
                                                                         
 *No Closing Fee if loan is held for two years. 
         
  Excludes out of state loans *
Personal Advances                  
Amount Length (up to 5 yrs) A.P.R
$250.00 to $1,200.00 12 Months As low as 10.50%
$1,201.00 to $2,400.00 24 Months As low as 10.50%
$2,401.00 to $4,000.00 36 Months As low as 10.50%
$4,001.00 to $6,000.00 48 Months As low as 10.75%
$6,001.00 to $12,000.00 60 Months As low as 10.75%
Used Vehicles & Motorcycles                            Title loans cannot be refinanced
Length A.P.R.
Up to 36 Months As low as 2.10%
Up to 48 Months As low as 2.35%
Up to 60 Months As low as 2.60%
 Up to 72 Months  As low as 2.85%
2015-2010 (NADA Value

"Previously owned"
                               
100 - 80% LTV
Used Vehicles & Motorcycles                                Title Loans cannot be refinanced
Length                                                                                                                     A.P.R
Up to 36 Months                                                                                                    As low as 3.50%
 Up to 48 Months                                                                                                   As low as 4.50% 
2009 & OLDER (100-80% LTV)
New Vehicles & Motorcycles                                  Title Loans cannot be refinanced
Length A.P.R.
36 Months As low as 1.85%
48 Months As low as 2.10%
60 Months As low as 2.35%
72 Months As low as 2.60%
84 Months As low as 2.85%
100-80% LTV on Cars,Vans,Trucks and Motorcycles           

"Never been Titled" 

- up to 120 days to refinance to receive "New" rate.
Boats                                                                     Title Loans cannot be refinanced
Type Length A.P.R
New Boats (100-80% LTV) up to 7 years As low as 4.50%
Used Boats (100-80% LTV) up to 5 years As low as 5.00%
Recreational Vehicles                                             Title Loans cannot be refinanced
Type Length A.P.R
New - 100-80% LTV up to 7 years As low as 4.50%
Used - 100-80% LTV up to 5 years As low as 5.00%
Mobile Homes (RV's)
One Year Special Loan
A.P.R.
As low as 4.50%
$2,000 Limit / No Refinancing
Two Year Special Loan
Two Year Special Loan
As low as 5.50% A.P.R.
$4,000.00/No Refinancing
 FIRE Loan                                                                                                                                   
 Auto Pay 16.99%
 Manual Pay 18.99%
Up to $550.00
Max. term is 6 months   -  No. Refinancing    -  Cannot exceed 3 loans in a 12 month period.
$20.00 Non-Refundable Application Fee
$30.00 must remain in shares until loan is paid off


Share Secured 100%
Length A.P.R.
1-3 yrs. 1.25%
4-5 yrs. 1.50%
6-7 yrs. 1.75%
Minimum $1,000.00 (NEW MONEY)Refinancing
Visa Rates
Classic Visa Rate A.P.R. - 12.15%

$250.00 to $7,000.00 limit
                   
Gold Visa Rate A.P.R. - 10.15%                       

$5,000.00 to $10,000.00 limit

                       
-Debt Ratio of 38% or less is required at all times on Visa Gold Cards

Second Chance Classic Visa Rate A.P.R. - 16.15%
VISA PROMOTIONS
0.0% for NEW Cardholders for 6 months            

3.99% Balance Transfers on Existing Cardholders for 12 months
Loan Rates
Disclosed and is based on your credit worthiness.
              
All Loan Rates are subject to change with every board of directors meeting.

All loans are subject to the cross collateral clause appearing on your loan liner note and disclosure. 

The Credit Union has the right to apply your shares from any accounts that you are on for delinquent loan payments.

Account Rates

Share A (Savings)
Amount A.P.Y.*
$0.00 to $99.99 0.00%
$100.00 & Over 0.50%
There is a monthly $1,250.00 maximum deposit between savings and club account deposits.
Share H&V (Christmas Club and Vacation Clubs)
Amount A.P.Y.*
$0.00 & Over 0.30%
There is a monthly $1,250.00 maximum deposit between savings and club account deposits.
Share I (IRA) Including Roth IRA
Amount A.P.Y.*
$0.00 & Over 1.00%
No IRA Rollovers
Share X (Share Draft or Checking)
Amount A.P.Y.*
$0.00 to $399.99 0.00%
$400.00 & Over 0.15%
Dividends
DIVIDENDS ARE POSTED ON THE LAST DAY OF THE QUARTER FOR THE PRIOR 3 MONTHS. *A.P.Y. (ANNUAL PERCENTAGE YIELD)
  

NCUAThis credit union is federally-insured by the National Credit Union Administration

Equal Housing LenderWe do Business in Accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act







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Phone: (412) 928-8500 - 1-800-992-9593 - Fax: (412) 928-8545
URL: www.pghffcu.com

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