RATES & FEES
Certificate Rates, Consumer Loan Rates and Fees: |
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Rates
Effective July 1, 2010 Certificate Rates |
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Annual Percentage Rate |
Yields |
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IRA Accumulation |
1.243% |
1.25% |
|
(Savings) Shares |
.25% |
.25% |
if ADB over $100 effective 1/1/08 |
Checking |
.25% |
.25% |
if ADB over $100 |
Club Accounts |
.25% |
.25% |
|
Money Market Accounts |
.399% |
0.40% |
|
| .399% | 0.40% | balance $10,000 - $24,999 | |
| .499% | 0.50% | balance $25,000 - $49,999 | |
| .499% | 0.50% | balance $50,000 & over | |
Non-Compounding Rates Share Certificates |
Terms |
Annual Percentage Rate |
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90 day |
0.85% |
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6 month |
1.10% |
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12 month |
1.35% |
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24 month |
1.85% |
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36 month |
2.25% |
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48 month |
2.35% |
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60 month |
2.60% |
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Share and IRA Certificates |
Terms |
Annual Percentage Rate |
Annual Percentage Yield |
90 day |
0.847% |
0.85% |
|
6 month |
1.094% |
1.10% |
|
12 month |
1.342% |
1.35% |
|
24 month |
1.834% |
1.85% |
|
36 month |
2.227% |
2.25% |
|
48 month |
2.325% |
2.35% |
|
60 month |
2.569% |
2.60% |
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For MORTGAGE Rates contact us at (850) 769-3306.
Panhandle Educators Federal Credit Union rates are determined by an evaluation of your credit. The rates listed below are subject to change without notice. Payments can be automatically deducted through payroll deduction, or on-line at Panhandle Educators' Virtual Branch. Late Charges: For each scheduled payment, late 10 days or more, you will be assessed a charge of 5.00% of the amount of the scheduled payment due with a minimum charge of $5.00 |
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Loan Rates |
Effective: January 1, 2010 |
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Loan Type |
Terms |
Annual Percentage Rate |
AUTO LOANS |
48 months |
3.75% - 16.20% |
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60 months |
4.25% - 16.70% |
72 months |
4.75% - 17.20% |
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Model Year |
5.25% - 17.70% |
|
BOATS |
6.05 – 18.00% |
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MOTORCYCLES |
6.05 – 18.00% |
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RECREATIONAL VEHICLES |
6.05 – 18.00% |
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SIGNATURE |
8.45% - 18.00% |
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Overdraft Protection |
14.5% |
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VISA |
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Classic |
11.5% |
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Platinum |
9.9% |
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SIGNATURE & COLLATERAL COMBINATION |
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less than $5,000 |
36 months |
7.30% to 18.00% |
$5,000 to $10,000 |
48 months |
8.20% to 18.00% |
greater than $10,000 |
60 months |
8.30% to 18.00% |
Signature Loans as low as 8.45-18.00 |
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FEE SCHEDULE |
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Effective: June 1, 2010 |
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| The rates and fees in this schedule are accurate and apply to deposit accounts as of the effective date indicated. If you have any questions or require additional information on your accounts, please call a Member Services Representative at 769-3306. | |
Share Account Fees |
|
Membership Share Par Value $5.00 |
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Account Closure $25.00 |
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(Closing account within six (6) months of opening) |
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Share Draft Account Fees |
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| NSF | $25.00 per item |
| Overdraft/Transfer Fee | $3.00 per occurence |
| Stop Payment | $20.00 per request |
| Share Draft Printing | Prices Vary |
| Temporary Checks | $2.00 per book of 8 |
| Copy of Paid Draft | $5.00 per draft |
| Returned Draft “Refer to Maker” | $10.00 per draft |
| Returned Draft “Uncollected Funds” | $10.00 per draft |
| Courtesy Pay* | $25.00 per item |
Electronic Funds/Miscellaneous Fees |
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| Check Card Stop Payment (add or delete) | $30.00 per request |
| ATM/Check Card Overdraft | $25.00 per occurence |
| Excessive Foreign**ATM Withdrawal | $1.00 per withdrawal after the 8 per month for FREE |
| Replacement Card | $10.00 per card |
| Card Rush Order | $42.00 per card |
| Replace Lost PIN | $2.50 per PIN |
| PIN Rush Order | $42.00 per PIN |
| Sales Draft Copy | $5.00 per order |
| FedEx Rush Order | $35.00 per order |
| ATM Photo Verification | Cost Direct |
| Safe Deposit Lost Key | Cost Direct |
| Safe Deposit Drilling | Cost Direct |
| *Fee applies when overdraft is created by check, in-person withdrawal, ATM withdrawal or other electronic means. **Refer to list of “No Fee” ATM sites on back of Checking Accounts insert. |
All Other Service Fees |
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| Account Reconciliation | $15.00 per hour |
| Account Research | $15.00 per hour |
| ACH Origination Set Up Fee | $10.00 per item |
| Check Cashing (if less than $100 in savings with no other account relationship) | $10.00 per check |
| Deposited Item Return | $7.50 per item |
| Dormant Fee (if acct balance is below $100/except for Looney Tunes Accts) | $5.00 per month |
| Fax Transmission | $2.00 per page |
| Foreign Check Collection Fee | $10.00 per check |
| Foreign Currency | $15.00 minimum of $250.00 |
| Levy and/or Garnishment Fee | $25.00 per item |
| Loan Documents | $5.00 per item |
| Loose Coin | 5% over $10.00 |
| Money Order | $2.00 per money order |
| Official Check | $2.00 per check |
| Official Check for Non-Member | $10.00 per check |
| Photocopy | 10¢ per page |
| Returned ACH – NSF | $25.00 per item |
| Returned ACH Origination | $25.00 per item |
| Returned Item (Loan Payment) | $25.00 per item |
| Returned Item (other institution/same maker) | $30.00 per item |
| Returned Item (bad address) | $2.00 per returned item |
| Safe Deposit Boxes: | |
| 3x5 | $20.00 per year |
| 5x5 | $30.00 per year |
| 3x10 | $35.00 per year |
| 5x10 | $45.00 per year |
| 10x10 | $85.00 per year |
| Statement Copy | $1.00 per page |
| Transaction History | $1.00 per page |
| Transfer Loans to different account | $10.00 per item |
| Traveler’s Checks | $1.00 per $100.00 |
| Traveler’s Checks for Two | $2.00 per $100.00 |
| VISA® Gift Card | $4.00 per card |
| VISA® Sales Copy Request | $5.00 per copy |
| Wire Transfer (outgoing) | $15.00 per transfer |
| Wire Transfer (International) | $30.00 per transfer |