Rates & Fees

Share Rates

Effective as of 10/1/2018

Primary and Secondary Shares *

Minimum Balance

Prospective Dividend

Prospective APY*

Dividend Declaration Date

$5 - $9,999.99

.05%

.05%

9/30/2018

$10,000 -$99,999.99

.10%

.10%

9/30/2018

$100,000 and over

.20%

.20%

9/30/2018

Please note that higher yields may be obtained on your IRA and share accounts by taking advantage of our IRA and Share Certificates (our current rates are listed below). *Minimum opening balance required is $25. Youth accounts (12 and under) can be opened with $5.

Money Market**

Minimum Balance

Prospective Dividend

Prospective APY*

Dividend Declaration Date

$5 - $9,999.99

.05%

.05%

9/30/2018

$10,000 - $99,999.99

.15%

.15%

9/30/2018

$100,000 and over

.25%

.25%

9/30/2018

**Minimum opening balance required is $5,000.

IRA Shares, Roth IRA's and Educational IRAs**

Minimum Balance

Prospective Dividend

Prospective APY*

Dividend Declaration Date

$0 - All Balances

.50%

.50%

9/30/2018

**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%

9/30/2018

6 Months

$2,000

0.50%

0.50%

9/30/2018

9 Months

$2,000

0.60%

0.60%

9/30/2018

12 Months

$2,000

0.70%

0.70%

9/30/2018

18 Months

$2,000

0.73%

0.73%

9/30/2018

24 Months

$2,000

0.85%

0.85%

9/30/2018

36 Months

$2,000

1.00%

1.00%

9/30/2018

**Youth Certificates (under age 24) $100 minimum balance. Additional deposits may be made any time during the term of the certificate. A penalty may be imposed for early withdrawal on Share and IRA Certificates. This Rate Schedule states rates applicable to specified accounts. This schedule is incorporated as a part of your account agreement with PostCity Financial Credit Union. All rates and terms are subject to change without notice. Please call (877) 337-2728 to obtain current rate information. ***Penalty for early withdrawal. See Truth in Savings (TIS) Disclosure for details.

*APY = Annual Percentage Yield.

Auto Loan Rates

Effective as of 4/3/2017

Automobile, Truck, or Van Loans

APR*

Maximum Term

Maximum Loan Amount

1.64% - 11.49%

24 Months

$75,000

1.64% - 11.49%

36 Months

$75,000

1.64% - 11.49%

48 Months

$75,000

1.64% - 11.49%

60 Months

$75,000

1.64% -11.49%

72 Months

$75,000

1.64% - 11.49%

84 Months

$75,000

Motorcycles and Watercraft

APR**

Maximum Term

Maximum Loan Amount

8.49%-15.49%

60 Months

$75,000

Motor Homes, Boats, and Van Coversions

APR**

Maximum Term

Maximum Loan Amount

8.49%-15.49%

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 include a .50% verified rate match discount and a .35% discount for net Direct Deposit of at least $300, and auto transfer of your loan payment from your PostCity Financial checking or savings account.

Auto Loan Payment Example: $17.97 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. Recreational Vehicle Payment Example: $13.50 per $1,000 borrowed at 10.49%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

PLATINUM VISA CREDIT CARDS

APR* Range

Balance Transfer APR* Range

Annual Fee

9.99% - 16.99%

9.99% - 16.99%

$0

SHARE-SECURED PLATINUM VISA CREDIT CARD

APR*

Balance Transfer APR*

Annual Fee

12.99%

12.99%

$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 9.99% 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 12.99% APR based on minimum payment of 3% of the balance.

Personal Loan Rates

Effective as of 4/03/2017

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 Loan

APR*

Maximum Term

Maximum Amount

20.00%

Up to 30 days

$100--$500

Payday loans have a $15 non-refundable application fee. Member must have direct deposit with PostCity or a checking account with direct deposit at another financial institution. This is a single payment loan. A representative example: The total amount due for a $500 maximum payday loan at 20% APR for 30 days would be $508.22.

* APR = Annual Percentage Rate. You must qualify for PostCity Financial Credit Union membership to be eligible to borrow. Rates are based on applicant credit history and ability to repay the loan. All rates subject to change without notice.
Personal Loan Payment Example:  $26.33 per $1,000 borrowed at 11.99% APR for 48 months, based on lowest rate available.

Mortgage Rates and Disclosures

Fee Schedule

For a complete list of fees click the link below.

Fee Schedule

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