Rates


Certificate Rates and Consumer Loan Rates:

Rates Effective August 29, 2018
Account Type Annual Percentage Rate Yields Notes
IRA Accumulation
(effective 08-29-2018)
0.747% 0.75%
(Savings) Shares
(effective 08-29-2018)
0.150% 0.15% if ADB over $100
Club Accounts 0.150% 0.15%
Money Market Accounts
(**effective 08-29-2018)
0.250% 0.25%
0.349% 0.35% ** balance $10,000 - $24,999
0.349% 0.35% ** balance $25,000 - $49,999
0.349% 0.35% ** balance $50,000 & over
Share and IRA Certificates Terms Annual Percentage Rate Annual Percentage Yield
90 days 0.399% 0.40%
6 months 0.847% 0.85%
12 months 1.342% 1.35%
24 months 1.588% 1.60%
36 months 1.687% 1.70%
48 months 1.736% 1.75%
60 months 1.982% 2.00%
Penalty for Early Withdrawal: 12 months or less = 90 days’ dividends - 24 months or more = 180 days’ dividends

Loan Rates

Rates Effective Jan 11, 2018

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

For MORTGAGE Rates contact us at (850) 769-3306.

Loan Type Terms Annual Percentage Rate
AUTO LOANS for Brand New Autos
Model Year
2017 – 2018
36 months 2.50% – 17.20%
48 months 2.75% – 17.45%
60 months 3.25% – 17.95%
72 months 3.75% – 18.00%
AUTO LOANS
Model Year
2014 – 2018
36 months 2.75% – 17.45%
48 months 3.00% – 17.70%
60 months 3.50% – 18.00%
72 months 4.00% – 18.00%
AUTO LOANS
Model Year
2009 – 2013
4.25% – 18.00%
BOATS 2.80 – 18.00%
MOTORCYCLES 2.80 – 18.00%
RECREATIONAL VEHICLES 2.80 – 18.00%
SIGNATURE
First Chance 12.90%
Line of Credit 7.95% – 18.00%
Personal Signature 7.95% – 18.00%
Overdraft Protection
($100 increments)
14.5%
VISA
Classic
11.5%
Platinum
9.9%
CREDIT BUILDER 14.90%

SIGNATURE & COLLATERAL COMBINATION
 Vehicles over 10 years old

less than $5,000 36 months 5.30% to 18.00%
$5,000 to $10,000 48 months 5.80% to 18.00%
greater than $10,000 60 months 6.30% to 18.00%