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Rates


Rates effective as of December 26, 2024
Savings

Account Type Minimum Balance Dividend Rate APY
Savings Account $100 - $2,499  0.05% 0.05%
Savings Account $2,500 - $24,999  0.10% 0.10%
Savings Account $25,000 - $49,999  0.10% 0.10%
Savings Account $50,000 and over  0.20% 0.20%

Money Market
 
Account Type Minimum Balance Dividend Rate APY
Money Market Account $2,500 - $24,999 0.90% 0.90%
Money Market Account $25,000 - $74,999 1.09% 1.10%
Money Market Account $75,000 - $249,999 1.49% 1.50%
Money Market Account $250,000 and over 1.74% 1.75%
Open an account
Checking
 
Account Type Minimum Balance Dividend Rate APY
Plu$ Checking $7,500 - $24,999 0.10% 0.10%
Plu$ Checking $25,000 - $74,999 0.10% 0.10%
Plu$ Checking $75,000 and over 0.15% 0.15%
 
Savings Accounts: $5 minimum opening deposit required. Money Market: No minimum opening deposit required. Plu$ Checking: No minimum opening deposit required.



Certificates
 
Rates effective as of December 26, 2024 
Term Balances
under
$50,000		 Balances $50,000 - $99,999 Balances $100,000 and over

Dividend Rate APY Dividend Rate APY Dividend Rate APY
3 Month 1.88% 1.90% 1.93% 1.95% 1.98% 2.00%
6 Month 1.98% 2.00% 2.03% 2.05% 2.08% 2.10%
9 Month 2.13% 2.15% 2.18% 2.20% 2.23% 2.25%
1 Year 2.37% 2.40% 2.42% 2.45% 2.47% 2.50%
2 Year 2.62% 2.65% 2.67% 2.70% 2.72% 2.75%
3 Year 2.72% 2.75% 2.77% 2.80% 2.81% 2.85%
4 Year 3.35% 3.40% 3.40% 3.45% 3.45% 3.50%
5 Year 3.59% 3.65% 3.64% 3.70% 3.69% 3.75%
18 Month Bump- Up 2.47% 2.50% 2.52% 2.55% 2.57% 2.60%
30 Month Add-On 2.62% 2.65% 2.67% 2.70% 2.72% 2.75%





Annual percentage yield (APY) as of December 1, 2024. Offer subject to change at any time without notice. APY assumes principal and dividends remain on deposit until maturity. Dividends are credited on the last day of the month and compound monthly. Fees may reduce earnings, and a penalty will be imposed for early withdrawal. 



Rates effective as of December 26, 2024
Loan Type  APR Maximum Term
New Vehicle 6.49% - 15.99% 72
New Vehicle 6.99% - 15.99% 84
Used Vehicle 6.74% - 15.99% 72
Used Vehicle 7.24% - 15.99% 84
New & Used Motorcycle 7.49% - 15.99% 72
New & Used Boat & RV 7.64% - 16.29% 72
New & Used Boat & RV  8.34% - 9.79% 144

Rates and terms subject to change without notice. Collateral protection insurance is required to obtain any secured loan. Must be 18 or older to apply. Loans subject to all credit union policies and procedures. For current information, please call a member service representative at (888) 858-6878. 
 
Vehicle, motorcycle, boat and RV loans
Maximum term varies based on loan amount. New auto rate applies to vehicles with less than 7,500 miles which have not been previously registered and are in the current or previous model year. All other vehicles subject to used car pricing. Quoted rate assumes a 0.25% APR discount for borrowers who maintain a Relationship Checking account. A $200 fee applies to reduce the rate of an existing Pacific Service CU loan. Cash out refinances allowed on vehicles with less than 100,000 miles and less than ten model years old. Call for details. Additional terms: Rate, maximum term, maximum loan amount and advance amount based on credit qualifications and eligible collateral. Credit union reserves the right to determine collateral value of vehicles based on industry recognized guides or full appraisal. Financing is available for manufacturer franchise dealers only. Rate increases by 2.00% APR for vehicles with 150,001 to 200,000 miles and/or are 11 model years old or older. Representative example: Pay $16.81 per month per $1,000 borrowed for 72 months at 6.49% APR.
 
Personal loans
Rates effective as of December 26, 2024
Loan Type  APR Max Term (in months)
Personal Closed End 10.24% - 13.24% 36
Personal Closed End 10.74% - 19.24% 60
Share-Secured Account rate plus 2.00% 60
Certificate-Secured Certificate rate plus 2.00% 12 months or maturity date, whichever is less
 
Rates and terms subject to change without notice. Must be 18 or older to apply. Loans subject to all credit union policies and procedures. For current information, please call a member service representative at (888) 858-6878. 
 
Personal loans

Rate, maximum term and loan amount may vary based on credit qualifications. Personal loan may not be used to refinance an existing PSCU loan. Representative example: Pay $32.39 per month per $1,000 borrowed for 36 months at 10.24% APR.

Certificate or Shared Secured
Rate is determined by adding a 2% margin to the share or certificate rate. Term not to exceed 60 months or the maturity date of the Certificate. Representative example: Pay $17.56 per month per $1,000 borrowed for 60 months at 2.05% APR.


Visa
Rates effective as of December 26, 2024
Loan Type  APR Max Term (in months)
Visa Platinum Rewards and Platinum Rewards Starter 12.00% - 17.00% N/A
 
Rates and terms subject to change without notice. Must be 18 or older to apply. Loans subject to all credit union policies and procedures. For current information, please call a member service representative at (888) 858-6878. 
 
Visa: The annual percentage rate is variable based on credit worthiness at the time of application. After that, the rate will vary with the market based on the Prime Rate.



Fixed Rate Loans Adjustable Rate Loans Home Equity Loans & Lines of Credit

Rates effective as of December 27, 2024
30-Year Fixed Rates

Loan Type  Maximum Financed Rate Points APR
Conforming $766,550 6.625% 1.00 6.768%
Conforming $766,550 7.000% 0.00 7.045%
High Balance $1,149,825 6.625% 1.00 6.760%
High Balance $1,149,825 7.000% 0.00 7.037%
Jumbo $2,500,000 6.625% 1.00 6.742%
Jumbo $2,500,000 7.000% 0.00 7.019%

Apply now

FHA 30-Year Fixed Rates

Loan Type  Maximum Financed Rate Points APR
Conforming $766,550 5.750% 1.00 5.885%
Conforming $766,550 6.125% 0.00 6.168%
High Balance $1,149,825 5.750% 1.00 5.878%
High Balance $1,149,825 6.000% 0.00 6.035%

Apply now

20-Year Fixed Rates

Loan Type Maximum Financed Rate Points APR
Conforming $766,550 6.375% 1.00 6.561%
Conforming $766,550 6.625% 0.00 6.683%

15-Year Fixed Rates

Loan Type Maximum Financed  Rate Points APR
Conforming $766,550 5.750% 1.00 5.978%
Conforming $766,550 6.250% 0.00 6.322%
High Balance $1,149,825 6.250% 1.00 6.469%
High Balance $1,149,825 6.625% 0.00 6.685%
30-Year 5/6 Adjustable Rate Mortgage (ARM)
 
Loan Type Maximum Financed  Rate Points APR
Conforming $766,550 6.250% 0.00 6.565%
30-Year 5/1 Adjustable Rate Mortgage (ARM)
 
Loan Type Maximum Financed  Rate Points APR
High Balance $1,149,825 6.250% 0.00 6.736%
Jumbo $2,500,000 6.250% 0.00 6.718%

Conforming ARM loans:
Index Source = 30 Day SOFR
Margin = 2.500
Index Rate = 4.546
Fully Indexed Rate = 4.546 + 2.500 = 7.046%
5/6 Annual Cap = 2.000%
7/1 and 10/1 Initial Rate Cap Maximum = 5.000%; then 2.000% thereafter
Life Cap = 5.000% over initial rate

High balance and Jumbo ARM loans:
Index Source = 1 year Treasury
Margin = 2.750
Index Rate = 4.197
Fully Indexed Rate = 4.197 + 2.750 = 6.947%
Annual Cap = 2.000%
Life Cap = 5.000% over initial rate

Rates and terms subject to change without notice. Collateral protection insurance is required to obtain any secured loan. Must be 18 or older to apply. Loans subject to all credit union policies and procedures. For current information, please call a member service representative at (888) 858-6878. 
 
Rates, points and programs cannot be guaranteed and are subject to change without notice. Property insurance is required. Flood insurance may apply. No mobile homes. Quoted conforming rates are based on a loan amount of $766,550, rate and term only. Rate adjustments may apply for cash out, loans under or over $766,550, rental/vacation/second home properties or loan-to-value (LTV) over 70% of appraised value. Actual rate will be determined after receipt of application and prior to execution of final loan documents. There are no pre-payment penalties on these quotes. Representative example: Pay $5.99 per month per $1,000 borrowed at 6.000% APR for 30 years. Taxes and insurance are not included in this calculation.
 


Home Equity Loans 
Rates effective as of December 26, 2024
Loan Type APR Term
Home Equity Loan 7.490% 60
Home Equity Loan 7.990% 84
Home Equity Loan 7.990%
120
Home Equity Loan 8.240% 180
Home Equity - Second Home 9.490% 180
Home Equity - Investment Home 9.490% 144
On The House Refinance - 7-year 6.250% 84
On The House Refinance - 15-year 6.750%  180
On The House Refinance -
15-year Second Home		 8.250%  180
On The House Refinance -
12-year Investment Home		 8.250% 144
Home Equity Line of Credit 7.750% - 8.750% n/a
Home Equity Line of Credit (Second home) 8.250% - 9.750% n/a
Home Equity Line of Credit (Investment home) 8.250% - 9.750% n/a
Apply now

Rates and terms subject to change without notice. Collateral protection insurance is required to obtain any secured loan. Must be 18 or older to apply. Loans subject to all credit union policies and procedures. For current information, please call a member service representative at (888) 858-6878. 

All home equity loans and lines of credit
Credit limited to California properties of five acres or less and 4 units or less.  An early closure fee of $100 plus actual costs will be imposed if the loan is closed within two years of opening.  Property insurance is required.  Flood insurance may apply.  Notary and reconveyance fees are the responsibility of the borrower.  All persons on the property title are required on the loan application.  All loans require income verification.  No manufactured or mobile homes.  Member is responsible for all property insurance and taxes.  Other restrictions may apply.  For current information, please call a real estate representative at (888) 858-6878, ext. 5282.

Home equity loans
Rates increase by 0.25% APR for loans over $766,550.  

Owner-occupied: We lend up to 80% of the appraised home value, less first mortgage balance. Minimum loan amount is $15,000; maximum loan amount is $2,500,000. Representative example: Pay $20.03 per month per $1,000 borrowed for 60 months at 7.49% with up to 80% LTV.  Payment example does not include property taxes or insurance.

Non-owner occupied: For second and investment homes, we lend up to 70% of the appraised home value, less first mortgage balance. Minimum loan amount is $15,000; maximum loan amount is $766,550. Maximum term of 15 years for second homes and 12 years for investment homes. Representative example: Pay $10.45 per month per $1,000 borrowed for 180 months at 9.49% with 70% LTV.  Payment example does not include property taxes or insurance.

On the House: 7-year term; minimum loan amount is $50,000.  Reference additional qualifications above for owner- and non-owner occupied properties.  Representative example:  Pay $14.73 per month per $1,000 borrowed for 84 months at 6.25% with 80% LTV.  Payment example does not include property taxes or insurance.

Home equity lines of credit
Rates change with the prime rate as published in the 'Money Rates' section of the Wall Street Journal.  These are variable-rate loans, the rate may change monthly.

Owner-occupied:  We lend up to 80% of the first $500,000 in appraised home value and 70% on the remaining home value, less first mortgage balance. Minimum loan amount is $15,000; maximum loan amount is $2,500,000. Minimum payments are interest only for the first 10 years followed by 15 years of fully amortized payments. The home equity line of credit variable rate is 0.00% - 1.00% APR plus the prime rate. Actual costs apply for loans over $250,000.  Initial setup fees generally range between $500 and $2,500 for lines over $250,000.  An annual fee of $50 will be charged only if the account is inactive for one year.  The minimum APR is 0.00% and the maximum APR is 18.00%. 

Non-owner occupied: For second home and investment homes, we lend up to 70% of the appraised home value up to the loan amount of $100,000 and 65% with loan amounts between $100,001 and $250,000, less first mortgage balance. Minimum payments are interest only for the first 10 years followed by 15 years of fully amortized payments (second home) and 12 years of fully amortized payments (investment home). The home equity line of credit variable rate is 0.50% - 2.00% APR plus the prime rate. Actual set up costs apply for loans over $100,000. Initial setup fees generally range between $500 and $2,500.  Maximum home equity line amount is $250,000. An annual fee of $100 will be charged only if the account is inactive for one year. The minimum APR is 6.00% and the maximum APR is 18.00%.