PWC Employees Credit Union
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Rates Effective 08/01/2018*All rates and yields 
stated below are accurate as of the date shown, and are 
subject to change without notice.

 

Loans

Loan Term

APR **(Annual Percentage Rate)

Signature 12 - 60 mos 8.99% - 16.99%
Line of Credit variable 8.99% - 16.99%
VISA Classic variable 12.90%#
VISA Platinum variable 8.90%#
Home Equity Line of Credit, variable rate* Please contact CU*** Please contact CU***
Home Equity Fixed Rate Please contact CU*** Please contact CU***
New or Used Vehicle 12 - 84 mos 2.49%-17.99%
New or Used Motorcycle 12 - 72 mos 4.50% - 12.50%
New or Used Boat or RV 12 - 180 mos 6.50% - 11.75%
Holiday Loan 12 mos 12.00%

 APR = Annual Percentage Rate  
NEW RATES DO NOT APPLY TO EXISTING PWC ECU LOANS. RATES ARE FIXED FOR LIFE OF LOAN.
* Home Equity Line of Credit is a variable rate, subject to change the first day of January, April, July and October.

** The Annual Percentage Rates (APRs) shown above reflect the current ranges of  APRs offered.  The APR may be adjusted based on 
individual credit standing, term loan-to-value and debt-to-income ratio. 
*** No pre-payment charges or penalties.  No annual fees.  Closing costs range from approximately $525 - $2000 based on your loan 
amount..  Minimum APR of 5.50%APR and maximum of 18%APR.  The Credit Union will use the WSJ Prime Rate or 5.50% as the minimum Index 
Rate, whichever is greater.
#PWC ECU will begin to charge interest on VISA Credit Card purchases on the transaction date.  Cash Advance Fee $5.00 or 2.00% of the amount 
of each cash advance,
whichever is greater.  Foreign transaction fee is 2.00% of each transaction in U.S. dollars.  Penalty fees: Late VISA payment 
fee=up to $25.00.  Returned VISA Payment fee is up to $25.00. 
##New purchase only, no refinance available at this rate.  Please contact credit union for verification.

Payment Examples###
Loan Type/$ APR Term Approx Pymt/Mo
Signature                         $10,000.00 8.99%   60 mos         $208.36
Line of Credit                   $10,000.00 8.99%   39 mos         $300.00
VISA Platinum                 $10,000.00 8.90%   64 mos         $200.00
New or Used Auto           $19,000.00 2.25%   60 mos         $335.45
New or Used Motorcycle $10,000.00 4.50%   60 mos         $186.81
New or Used Boat/RV     $30,000.00 8.50%   84 mos         $476.89
Holiday Loan                    $ 1,200.00 12.00%   12 mos         $112.00

           ###Payment Examples are to show estimated payment terms.  APR = Annual Percentage Rate.  Your actual APR will be determined at the 
                 time of disbursement of the loan, and will be based on your application and credit information.  Not all applicants will qualify for the rates 
                 in these examples. 

**TIS/Rates Declared and Paid  06/30/2018
*All rates and yields stated below are accurate as of July 1, 
2018, the last dividend declaration date 6/30/18. 

ALWAYS CONTACT THE CREDIT UNION FOR CURRENT
RATES, AS THEY ARE SUBJECT TO CHANGE WITHOUT 
NOTICE!


 

Savings/**TIS disclosure as of 07/01/2018

Minimum Balance

Dividend Interest Rate

APR*

Regular Share ($10 deposit required to open account) $10 0.00% 0.00%
Regular Share ($10 deposit required to open account) $100 + 0.10% 0.10%
Child's Share ($10 deposit required to open account) $10  + 0.10% 0.10%
Share Draft $0 0.00% 0.00%
Christmas open 0.00% 0.00%
Club open 0.00% 0.00%

*APR = Annual Percentage Rate
**TIS = Truth in Savings
   Fees could reduce the earnings on accounts.

Share Certificates/**TIS disclosure as of 07/01/2018

Minimum Deposit

Dividend/ Interest Rate

APR*

6 months term Certificate $500 0.95% 0.95%
12 months term Certificate $500 1.30% 1.30%
18 months term Certificate $500 1.45% 1.45%
24 months term Certificate $500 1.80% 1.81%
36 months term Certificate $500 1.95% 1.96%

*APR = Annual Percentage Rate
*A penalty may be imposed for early withdrawal, thereby reducing earnings on the account.
**TIS = Truth in Savings

IRA Shares and Certificates/**TIS disclosure as of 07/01/2018

Minimum Deposit

Dividend/ Interest Rate

APR*

IRA Share open 0.10% 0.10%
6 months term Certificate $500 0.95% 0.95%
12 months term Certificate $500 1.30% 1.30%
18 months term Certificate $500 1.45% 1.45%
24 months term Certificate $500 1.80% 1.81%
36 months term Certificate $500 1.95% 1.96%

*APR = Annual Percentage Rate
* A penalty may be imposed for early withdrawal, thereby reducing earnings on the account.
**TIS = Truth in Savings