Jump to: Savings Accounts · Checking Accounts · I.R.A. Accounts · Certificates

Share & IRA Certificates (CDs)

- Effective: 04/19/14 through 04/25/14
Certificate Term APY1 & Dividend Rate Minimum Amount
2 to 6 Months 0.30% $50
7 to 11 Months 0.40% $50
12 to 23 Months 0.55% $50
24 to 36 Months 0.70% $50
37 to 48 Months 1.25% $50
Jumbo
2 to 48 Months
Add 0.10% to yield listed above. $90,000

Deposit Accounts

- Effective 03/01/14 through 03/31/14
Account Type2 Daily Balance APY
Super Savings $0 - $1,999.99 0.15%
Super Savings $2,000 - $9,999.99 0.20%
Super Savings $10,000 - $49,999.99 0.30%
Super Savings $50,000 - $89,999.99 0.35%
Super Savings $90,000 + 0.40%
Checking $0 - $999.99 0.00%
Checking $1,000 + 0.15%
IRA Savings $0 - $179,999.99 0.90%
IRA Savings $180,000 + 0.95%
Important note: Interest is calculated on the balance of each account individually and is not based on the balance of all accounts combined.
Jump to: Vehicle Loans · Personal Loans and Lines of Credit · VISA Credit Cards

Consumer Loan Rates

6 - In effect as of 03/01/14
Auto/Motorcycle Loan Terms Annual Percentage Rate

New

(Model year 2012 and newer)
Up To 36 months
Up To 48 months
Up To 72 months
1.49%
1.99%
2.49%

Used

(Model year 2011 and prior)
Up To 36 months
Up To 48 months
Up To 60 months
2.49%
2.99%
3.49%
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RV Loan Terms
(80% Maximum LTV)
Annual Percentage Rate
Up to 60 months 7.79%
Up to 96 months 8.79%
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Boat Loan Terms
(80% Maximum LTV)
Loan Amount Annual Percentage Rate
Up to 60 Months Minimum $5,000 7.79%
Up to 120 Months Minimum $10,000 8.79%
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Personal Loans and Lines of Credit Annual Percentage Rate Maximum Amount
Fixed rate for as many as 60 months 13.00% $10,000
Variable Rate Open-end Line of Credit 8.00% $10,000
Overdraft Line of Credit 17.50% $2,500
Share Secured Loan (Up to 60 Months) 2.40% $100,000
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VISA Credit Cards Annual Percentage Rate
VISA Platinum - Purchases & Cash 9.49%
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Mortgage Rates -

Effective 04/24/14 (Rates subject to change at any time without prior notice)
Mortgage Products Rate APR
30 & 25 Year (no points) 4.250% 4.259%
20 Year (no points) 4.000% 4.013%
15 Year (no points) 3.250% 3.266%
10 Year (no points) 3.000% 3.023%
5/5 ARM (no points) 2.750% 2.510%
1 Year ARM (no points) 2.500% 2.393%
3 Year ARM (no points) 2.750% 2.463%
5 Year ARM (no points) 3.000% 2.595%
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Jump to: Home Equity Lines of Credit · Home Equity & Home Improvement Loans

Home Equity Line of Credit Rates -

Effective 12/17/08. Prime Rate is 3.250%
Home Equity Lines of Credit3 Lifetime Index and Margin Contract APR
Prime Minus
(Lines $5,000 - $200,000 and LTV up to 85%)
Prime Rate Minus 0.25% 3.000%
Apply Now

Home Equity Loan/Home Improvement Loan Rates


Product Fixed APR Maximum Term Maximum Financing
Home Equity Loan4
$5,000 - $200,000
6.00% Up to 60 months Up to 90%
Home Equity Loan4
$5,000 - $200,000
6.50% Up to 120 months Up to 90%
Home Equity Loan4
$5,000 - $200,000
7.00% Up to 240 months Up to 85%
Home Improvement Loan5
$5,000 - $50,000
8.75% Up to 120 months Up to 100% of the
cost of improvements
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1 APY = Annual Percentage Yield. Dividends posted to share account monthly. Substantial penalties for early withdrawal. Early redemption of a share certificate will result in the following penalty: If the term of the certificate is less than 24 months, the forfeiture of the dividends is the smaller of the following amounts: Dividends since the date of issuance or renewal OR 90 day's dividends. If the term is 24 months or greater, the forfeiture of the dividends is the smaller of the following amounts: Dividends since the date of issuance or renewal OR 180 day's dividends.

2 Dividends will be calculated based on the rate tier your balance falls within at the end of each day, and will be credited and compounded monthly. Federal Regulations prohibit payment in excess of available earnings. This is a prospective rate and may be changed at the end of the month. Fees may reduce effective yield. Other fees may apply. Please call us for details.

3 The contract rate is variable and may increase or decrease quarterly based on the Prime Rate plus your contract margin but will never be higher than 13.50%. Existing members' loans may qualify for the Prime Minus contract APR. Closing costs for lines up to $50,000 are waived. Closing cost on lines over $50,000 is equal to 0.75% of the amount over $50,000. Early closeout penalty applies to Prime and Prime Minus programs if the line is closed in the first 24 months. Ask your tax advisor regarding tax deductibility of interest paid on Home Equity loans. Property insurance and flood insurance, if applicable, are required.

4 Closing costs for loan amounts up to $50,000 are waived. Closing costs for loan amounts over $50,000 is equal to 0.75% of the amount over $50,000. Early payoff penalty applies if the loan is paid off within the first 24 months. Ask your tax advisor regarding tax deductibility of interest paid on the loan. Property insurance and flood insurance are required, if applicable. Additional qualification requirements may apply to lines/loans larger than $50,000.

5 Closing costs are waived. This loan will be secured by a mortgage recorded on the property being improved. Early payoff penalty applies if the loan is paid off within the first 24 months. Ask your tax advisor regarding the deductibility of interest paid on the loan. Property insurance and flood insurance are required, if applicable.

6 Rates are subject to change without notice. All credit is subject to approval and must meet credit granting terms and conditions. Rates do not apply to refinance of an existing Pittsford FCU loan.