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Rates & Fees

Share Rates

Effective as of 04/01/2024

Read More Here: Share Certificates... Pick your rate! 

Do More. Earn More.

Limited Time Promo Share Certificate Rates!

Platinum Choice Share Certificates 

9-month term for balances over $50,000  5.25% APY* 

9-month term for balances over $25,000  4.25% APY *

Add .25% APY Bonus Rate if at least $10,000 is new money to PostCity

*Promo rate requires PostCity savings and checking account with Direct Deposit over $500 monthly

 

Gold Choice Share Certificates

9-month term for balances over $50,000 5.00% APY* 

9-month term for balances over $25,000 4.00% APY

Add .25% APY Bonus Rate if at least $10,000 is new money to PostCity

*Promo rate requires PostCity savings account and $10,000 or more in outstanding PostCity loan balances

Additional disclosure: *Annual Percentage Yield. These promotional share certificate Annual Percentage Rates range from 3.92% to 5.12%. Terms and availability are subject to change without notice. Not available on business accounts. At maturity, these certificates will automatically be deposited into member’s share savings. In the event of early withdrawal, member shall forfeit an amount equal to all dividends for 90 days on the amount withdrawn, which may include principal.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. IRS penalties may apply for premature withdrawals or other account requirements. Please consult your tax professional for more information. Loan Balances – Includes all outstanding loan balances at PostCity including auto loans, personal loans, credit cards, mortgage loans, and home equity lines and loans. Share Balances – Includes balances in all savings, IRA savings, checking and certificate accounts. Promotion is subject to change or termination at any time without prior notice.

 

Primary, Secondary, Club and Escrow Shares *

PostCity Perks! Tier

Prospective Dividend

Prospective APY*

Dividend Declaration Date

PostCity Kidz Red/Blue/Silver

.05%

.05%

3/31/2024

Gold

.10%

.10%

3/31/2024

Platinum

.20%

.20%

3/31/2024

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

Money Market Savings Rates2

Tiers

Prospective Dividend Rate

Prospective Annual Percentage Yield

Dividend Declaration Date

$15,000 - $24,999

0.60%

0.60%

4/30/2024

$25,000 - $99,999

1.20%

1.21%

4/30/2024

$100,000 and over

1.45%

1.46%

4/30/2024

(2) Balances below $15,000 will earn .05 APR

IRA Shares, Roth IRAs and Educational IRAs**

Minimum Balance

Prospective Dividend

Prospective APY*

Dividend Declaration Date

$0 - All Balances

1.90%

1.91%

3/31/2024

**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

0.15%

0.15%

4/30/2024

6 Months

$2,000

1.50%

1.51%

4/30/2024

9 Months

$2,000

3.00%

3.03%

4/30/2024

12 Months

$2,000

2.00%

2.02%

4/30/2024

         

18 Months

$2,000

0.35%

0.35%

4/30/2024

24 Months

$2,000

0.40%

0.40%

4/30/2024

36 Months

$2,000

0.45%

0.45%

4/30/2024

*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. APR = Annual Percentage Rate. Rates, terms and availability are subject to change without notice. Not available on business accounts. At maturity, these certificates will automatically be deposited into member's IRA 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. 

 

Auto Loan Rates

Effective as of 04/01/2024

Automobile, Truck, or Van Loans

APR*

Maximum Term

Maximum Loan Amount

5.49% - 14.49%*

Up to 84 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.

Maximum loan value for new vehicles shall not exceed 125% of the purchase price including tax, license, mechanical breakdown insurance, and GAP. Maximum loan value for used vehicles is based on retail Kelly/NADA or similar industry standard guide Blue Book up to 125% maximum financing for models 5 years or newer. Maximum loan value for used vehicles, model years over 5 years, finance up to 125% of wholesale Kelly/NADA or similar industry standard guide Blue Book.

Payment example: $19.10 per month per $1,000.00 at 5.49% APR* for 60 months, based on lowest rate available on terms over 60 months. Lowest rate of 5.49% APR is only available for maximum term of 60 months for excellent A+ credit borrowers. 

 Subject to change.

 

Automobile, Truck, or Van Equity Loans

APR**

Maximum Term

Maximum Loan Amount

8.99% - 15.99%*

Up to 84 Months

$75,000

**Maximum loan value for used vehicles is based on retail Kelly/NADA or similar industry standard guide Blue Book up to 110% maximum financing for models 5 years or newer. Maximum loan value for used vehicles, model years over 5 years, finance up to 110% of wholesale Kelly/NADA or similar industry standard guide Blue Book.
Payment example: $20.76 per month per $1,000.00 at 8.99% APR* for 60 months, based on lowest rate available. 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.

 

Motorcycles and Watercraft

APR**

Maximum Term

Maximum Loan Amount

10.99%-17.99%*

60 Months

$75,000

**Payment example: $21.75 per month per $1,000.00 at 10.99% APR for 60 months, based on lowest rate available. Finance up to 80% of wholesale Kelly/NADA or similar industry standard guide Blue Book.

Motor Homes, Boats, and Van Conversions

APR**

Maximum Term

Maximum Loan Amount

10.99%-17.99%*

120 Months

$75,000

**For new, maximum financing is 80% of purchase price including tax and license. For used, maximum financing is 80% of wholesale NADA Book value and model must be 10 years or newer.

Payment example: $13.78 per month per $1,000.00 at 10.99% APR for 120 months, based on lowest rate available.

Platinum Visa® Rates

Effective as of 04/01/2024

PLATINUM VISA CREDIT CARDS

APR* Range

Balance Transfer APR* Range

Annual Fee

12.99% - 19.99%*

12.99% - 19.99%

$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 12.99% 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.

Platinum Visa Credit Card Disclosures 

Personal Loan Rates

Effective as of 04/01/2024

Personal Loan

APR*

Maximum Term

Maximum Amount

13.99% - 20.99%

48 months

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

*Payment example: $27.33 per month per $1,000.00 at 13.99% APR for 48 months, based on lowest rate available.

Line of Credit

APR*

Maximum Term

Maximum Amount

13.99% - 20.99%

48 months

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

*Payment example: $27.33 per month per $1,000.00 at 13.99% APR for 48 months, based on lowest rate available.

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

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