Rates & Fees

Share Rates

Effective as of 10/01/2019

Primary, Secondary, Club and Escrow Shares *

PostCity Perks! Tier

Prospective Dividend

Prospective APY*

Dividend Declaration Date

PostCity Kidz Blue/Silver

.05%

.05%

9/30/2019

Gold

.10%

.10%

9/30/2019

Platinum

.20%

.20%

9/30/2019

*Minimum opening balance required is $25. Youth accounts (12 and under) can be opened with $5.

IRA Shares, Roth IRAs and Educational IRAs**

Minimum Balance

Prospective Dividend

Prospective APY*

Dividend Declaration Date

$0 - All Balances

.50%

.50%

9/30/2019

**Minimum opening balance required is $100.

Share, Youth** and IRA Certificates***

Term

Minimum Balance

Prospective Dividend

Prospective APY*

Dividend Declaration Date

3 Months

$2,000

0.40%

0.40%

9/30/2019

6 Months

$2,000

0.50%

0.50%

9/30/2019

9 Months

$2,000

0.60%

0.60%

9/30/2019

12 Months

$2,000

0.70%

0.70%

9/30/2019

14 Months

$50,000

--

1.60%

Special Rate Available Until 12/13/19; New Money Only***

18 Months

$2,000

0.73%

0.73%

9/30/2019

24 Months

$2,000

0.85%

0.85%

9/30/2019

36 Months

$2,000

1.00%

1.00%

9/30/2019

*Annual Percentage Yield.

**Youth Certificates (under age 24) $100 minimum balance. Additional deposits may be made any time during the term of the certificate. Penalty for early withdrawal on all certificates.These rates are applicable to specified accounts. All rates and terms are subject to change without notice. Please call PostCity at  (877) 337 - 2728 for more information. See Truth in Savings disclosure for details.

***APY = Annual Percentage Yield. Limited time offer. Rates, terms and availability are subject to change without notice. Not available on business accounts. $50,000 minimum deposit required. Offer valid on new deposits only. New deposits are defined as money not on deposit with PostCity Financial Credit Union at or within 90 days prior to account opening. At maturity, these certificates will automatically be deposited into member's regular share savings account. In the event of early withdrawal, member shall forfeit an amount equal to all dividends for 180 days on the amount withdrawn, which may include principal. Account fees could reduce earnings. Please refer to the PostCity Financial Truth in Savings disclosure for complete terms and conditions.

 

x

Auto Loan Rates

Effective as of 07/01/2019

Automobile, Truck, or Van Loans

APR*

Maximum Term

Maximum Loan Amount

2.99% - 11.99%

Up to 84 Months

$75,000

Automobile, Truck, or Van Equity Loans

APR**

Maximum Term

Maximum Loan Amount

7.49% - 14.49%

Up to 84 Months

$75,000

Motorcycles and Watercraft

APR**

Maximum Term

Maximum Loan Amount

8.99%-15.99%

60 Months

$75,000

Motor Homes, Boats, and Van Coversions

APR**

Maximum Term

Maximum Loan Amount

8.99%-15.99%

120 Months

$75,000

 *APR = Annual Percentage Rate.  You must qualify for PostCity Financial Credit Union membership to be eligible to borrow. Loans subject to underwriting and approval. All rates subject to change without notice. *Lowest advertised auto rates above are based on your PostCity Perks Relationship tier and reflect our highest discount available. Please refer to PostCity Perks disclosures for complete terms and conditions.

Auto Loan Payment Example: $17.96 per $1,000 borrowed at 2.99% APR for 60 months.

The maximum loan value for any used automobile, truck or van loan, including tax, license, mechanical breakdown insurance and guaranteed asset protection insurance cannot exceed 100% of the retail Kelley Blue Book price, including appropriate equipment and mileage adjustment, not to exceed a maximum of $3,000 over the retail Kelley Blue Book price. If a current model year is not listed in the Blue Book, the value will be determined by a qualified third party who has no interest in the loan or the vehicle. For automobiles five years or older, the above guidelines apply with the exception of a maximum loan value, which cannot exceed 100% of the wholesale Kelley Blue Book price, including appropriate equipment and mileage adjustment. Maximum cash-out on auto loan cannot exceed 100% of the appropriate Kelley Blue Book value.  For new recreational vehicles, maximum financing is 80% of purchase price, including tax and license. 

** APR = Annual Percentage Rate. Maximum loan value for used vehicles is based on retail Kelly/NADA or similar industry standard guide Blue Book up to 100% maximum financing for models 5 years or newer. Maximum loan value for used vehicles, model years over 5 years, finance up to 100% of whoelsale Kelly/NADA or similar industry standard guide Blue Book. Payment Example: $20.04 per month per $1,000 at 7.49% APR for 60 months, based on lowest rate available.

Recreational Vehicle Payment Example: $20.76 per $1,000 borrowed at 8.99%APR for 120 months. Borrower’s actual rate is based on credit history. Rates not available on existing PostCity Financial Credit Union loans and cannot be combined with any other offer. All loans are subject to credit approval. 

Platinum Visa® Rates

Effective as of 01/02/2019

PLATINUM VISA CREDIT CARDS

APR* Range

Balance Transfer APR* Range

Annual Fee

10.99% - 17.99%

10.99% - 17.99%

$0

SHARE-SECURED PLATINUM VISA CREDIT CARD

APR*

Balance Transfer APR*

Annual Fee

13.99%

13.99%

$0

*Annual Percentage Rate. You must qualify for PostCity Financial Credit Union membership to be eligible to borrow. Rates shown are lowest available and are based on applicant credit history. Your rate may be higher. All rates subject to change without notice. Platinum Visa payment example: $30.00 per month per $1,000.00 at 10.99% APR based on minimum payment of 3% of the balance. Share-secured Platinum Visa payment example: $30.00 per month per $1,000.00 at 13.99% APR based on minimum payment of 3% of the balance.

Personal Loan Rates

Effective as of 01/02/2019

Personal Loan

APR*

Maximum Term

Maximum Amount

11.99% - 18.99%

48 months

Maximum loan amount $10,000 (minimum monthly payment $50)

Line of Credit

APR*

Maximum Term

Maximum Amount

11.99% - 18.99%

48 months

Maximum loan amount $10,000 (minimum monthly payment $50)

Certificate Secured Loan ($500 minimum)

APR*

Maximum Term

Maximum Amount

2% above Certificate rate

Maximum term is the Certificate maturity date

90% of the Certificate balance (minimum monthly payment $50)

Shared Secured Variable Rate Loan ($500 minimum)

APR*

Maximum Term

Maximum Amount

2% above the highest declared share dividend rate**

120 months

100% of the available share balance (minimum monthly payment $50)

**This rate is subject to change based on the declared share dividend rate at the end of each quarter.

Payday Alternative Loan

 

 

 

Please refer to Personal Loans and Line of Credit Loans

 

 

 


Mortgage Rates and Disclosures

Fee Schedule

For a complete list of fees click the link below.

Fee Schedule

Back to Top

Personalization Settings

x

Welcome

Please enter your first name, so we can personalize your level of banking experience with us.

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to the web server.

Please do not remind again