RATES



All rates are subject to change without notice.

SAVINGS RATES

  • Savings and Certificate Rates Effective: 10/1/2018
    Product Dividend Rate APY
    Regular Savings
    $25.00 - $4,999.99
    $5,000 - $19,999.99
    $20,000 and over
     
    .050%
    .050%
    .050%
     
    .050%
    .050%
    .050%
    PARDA Premier Savings*
    $2,500 - $9,999.99
    $10,000 - $19,999.99
    $20,000 - $49,999.99
    $50,000 - $99,999.99
    $100,000 and over
     
    .100%
    .150%
    .200%
    .250%
    .300%
     
    .100%
    .150%
    .200%
    .250%
    .300%
    Business Savings*
    $25.00 - $4,999.99
    $5,000 - $19,999.99
    $20,000 and over
     
    .050%
    .050%
    .050%
     
    .050%
    .050%
    .050%
    Business Money Market*
    $2,500 - $9,999.99
    $10,000 - $19,999.99
    $20,000 - $49,999.99
    $50,000 - $99,999.99
    $100,000 and over
     
    .100%
    .150%
    .200%
    .250%
    .300%
     
    .100%
    .150%
    .200%
    .250%
    .300%
    All IRA Savings Account .250% .250%
    All Other Savings Accounts
    APY = Annual Percentage Yield
    .050% .050%
    * Minimum balance stated above required to earn dividends

CHECKING RATES

  • Checking Rates Effective: 10/1/2018
    Product Dividend Rate APY
    Premier Interest Checking
    $0.00 - $1,499.99
    $1,500 and over
     
    0.030%
    0.070%
     
    0.03%
    0.07%
       
    50+ Interest Checking
    No Minimum Balance
     
    0.030%
     
    0.03%
    Easy Interest Checking
    No Minimum Balance
     
    0.030%
     
    0.03%
    Business Interest Checking
    $0.00 - $14,999.99
    $15,000 - $49,999.99
    $50,000 and over
     
    0.439%
    0.867%
    1.302%
     
    0.44%
    0.87%
    1.31%
    Premier Business Interest Checking
    No Minimum Balance

    0.030%

    0.03%
    APY = Annual Percentage Yield. Dividends on Business Interest Checking accounts are paid monthly; dividends on Premier Business Interest Checking accounts are paid quarterly.
    * Dividends are based on a percentage of the 91-day T-Bill. Tier 1 is 20%, Tier 2 is 40% of the 91 day T-Bill, Tier 3 is 60% of the 91-day T-Bill. These rates are current as of 10/1/2018. Dividends will be paid on the full account balance. The dividend rate and APY may change every month based on the 91-day T-Bill

CERTIFICATE RATES

  • Certificate Rates Effective: 10/1/2018
    Traditional and Roth IRA Certificates are also available
    Terms Minimum Deposit Dividend Paid Dividend Rate APY
    91 Days* $500 Maturity 0.200% 0.200%
    6 Months $500 Maturity 0.250% 0.250%
    1 Year $500 Quarterly 0.350% 0.350%
    1 Year Jumbo* $50,000 Quarterly 0.450% 0.450%
    18 Months $500 Quarterly 0.450% 0.450%
    2 Years $500 Quarterly 0.650% 0.650%
    3 Years $500 Quarterly 0.850% 0.850%
    4 Years $500 Quarterly 1.050% 1.050%
    5 Years $500 Quarterly 1.340% 01.350%
    APY = Annual percentage yield.
    * 91-Day & 12-Month Jumbo Certificates are NOT available in any IRA.
    *** Dividend Rates for period shown.
    **** Penalties for early withdrawal may affect principal.
    ***** Dividends must be compounded to earn APY

SENIOR PLUS CERTIFICATE RATES

  • Senior Plus Certificate Rates Effective: 10/1/2018
    (Age 60 and over)
    Terms Minimum Deposit Dividend Paid Dividend Rate APY
    1 Year $500 Quarterly 0.400% 0.400%
    18 Months $500 Quarterly 0.500% 0.500%
    2 Years $500 Quarterly 0.700% 0.700%
    3 Years $500 Quarterly 0.900% 0.900%
    4 Years $500 Quarterly 1.100% 1.100%
    5 Years $500 Quarterly 1.390% 1.400%
    APY = Annual percentage yield.
    * Senior Plus Certificates are NOT available in an IRA

LOAN RATES

  • Loan and Credit Rates Effective: 10/1/2018
    All loan rates quoted APR (Annual Percentage Rate)
    Click Here to apply for a loan today!
    New & Used Auto Loans Max Term As Low As*
    New & Used Auto Loans
    24 2.10%
    24 2.10%
    36 2.10%
    48 2.10%
    60 2.35%
    72 2.85%**
    84 3.85%**
    Recreational Vehicles Max Term As Low As*
    Boats, Motor Homes, Travel Trailers, Jet Skis and Snowmobiles*
    36 2.75%
    60 2.75%
    84 4.25%
    120 5.75%
    144 8.25%**
    180 9.75%**
    Closed End Signature Loans As Low As*
    8.70%
    PARDA Premier Line of Credit 8.99%***
    Line of Credit 14.95%***
    Share/Certificate Pledged Loans Collateral Rate + 2.000%
    * APR = Annual Percentage Rate. Rates disclosed above are the lowest rates available and require direct deposit with PARDA Federal Credit Union. Rate and Term may vary based on credit score, year of collateral and loan-to-value. For qualified borrowers. Rates subject to change without warning.
    ** Minimum loan amount required for this term and is available based on individual credit history. Please contact one of our loan representatives for more information.
    *** Direct Deposit discounted rate does not apply to Line of Credit Loans. PARDA Premier LOC minimum loan amount is $5,000 and a minimum credit score of 640 required.

HOME LOANS

  • Home Loan Rates Effective: 10/1/2018
    All loan rates quoted APR (Annual Percentage Rate)
    Home Equity Line of Credit LTV As Low As*
    No Costs/15-year draw period Minimum Rate 4%, Maximum Rate 18%. Refer to Wall Street Journal for stated Prime Rate
    36 2.75%
    80% LTV and Below Prime
    81% - 85% LTV* Prime + 0.50%
    86% - 90% LTV Prime + 1.00%
    91% - 95% LTV* Prime + 1.50%
    * APR = Annual Percentage Rate. Rates disclosed above are the lowest rates available. Rate based on the Prime Rate as stated in the Wall Street Journal and adjusts quarterly. Rate may vary based on credit score and loan-to-value of property. For qualified borrowers with the ability to repay. Please contact one of our loan representatives for more information.
    Fixed Rate Term Home Equity Loan Max Term As Low As*
    60 Months 4.150%
    84 Months 4.450%
    120 Months 4.650%
    144 Months 5.250%**
    * APR = Annual Percentage Rate. Rates disclosed above are the lowest rates available. Rate and term may vary based on credit score and loan-to-value of property. For qualified borrowers with the ability to repay.
    ** This term is available based on individual credit worthiness.
    Please contact one of our loan representatives for more information.
    First Mortgage Loans Contact your local branch for rates or our Mortgage Department at (866) 898-1818

SAVINGS RATES

  • Savings and Certificate Rates Effective: 10/1/2018
    Product Dividend Rate APY
    Regular Savings
    $25.00 - $4,999.99
    $5,000 - $19,999.99
    $20,000 and over
     
    .050%
    .050%
    .050%
     
    .050%
    .050%
    .050%
       
    PARDA Premier Savings*
    $2,500 - $9,999.99
    $10,000 - $19,999.99
    $20,000 - $49,999.99
    $50,000 - $99,999.99
    $100,000 and over
     
    .100%
    .150%
    .200%
    .250%
    .300%
     
    .100%
    .150%
    .200%
    .250%
    .300%
    Business Savings*
    $25.00 - $4,999.99
    $5,000 - $19,999.99
    $20,000 and over
     
    .050%
    .050%
    .050%
     
    .050%
    .050%
    .050%
    Business Money Market*
    $2,500 - $9,999.99
    $10,000 - $19,999.99
    $20,000 - $49,999.99
    $50,000 - $99,999.99
    $100,000 and over
     
    .100%
    .150%
    .200%
    .250%
    .300%
     
    .100%
    .150%
    .200%
    .250%
    .300%
    All IRA Savings Account .250% .250%
    All Other Savings Accounts
    APY = Annual Percentage Yield
    .050% .050%
    * Minimum balance stated above required to earn dividends

CHECKING RATES

  • Checking Rates Effective: 10/1/2018
    Product Dividend Rate APY
    Premier Interest Checking
    $0.00 - $1,499.99
    $1,500 and over
     
    0.030%
    0.070%
     
    0.03%
    0.07%
       
    50+ Interest Checking
    No Minimum Balance
     
    0.030%
     
    0.03%
    Easy Interest Checking
    No Minimum Balance
     
    0.030%
     
    0.03%
    Business Interest Checking
    $0.00 - $14,999.99
    $15,000 - $49,999.99
    $50,000 and over
     
    0.439%
    0.867%
    1.302%
     
    0.44%
    0.87%
    1.31%
    Premier Business Interest Checking
    No Minimum Balance

    0.030%

    0.03%
    APY = Annual Percentage Yield. Dividends on Business Interest Checking accounts are paid monthly; dividends on Premier Business Interest Checking accounts are paid quarterly.
    * Dividends are based on a percentage of the 91-day T-Bill. Tier 1 is 20%, Tier 2 is 40% of the 91 day T-Bill, Tier 3 is 60% of the 91-day T-Bill. These rates are current as of 10/1/2018. Dividends will be paid on the full account balance. The dividend rate and APY may change every month based on the 91-day T-Bill

CERTIFICATE RATES

  • Certificate Rates Effective: 10/1/2018
    Traditional and Roth IRA Certificates are also available
    Terms Minimum Deposit Dividend Paid Dividend Rate APY
    91 Days* $500 Maturity 0.200% 0.200%
    6 Months $500 Maturity 0.250% 0.250%
    1 Year $500 Quarterly 0.350% 0.350%
    1 Year Jumbo* $50,000 Quarterly 0.450% 0.450%
    18 Months $500 Quarterly 0.450% 0.450%
    2 Years $500 Quarterly 0.650% 0.650%
    3 Years $500 Quarterly 0.850% 0.850%
    4 Years $500 Quarterly 1.050% 1.050%
    5 Years $500 Quarterly 1.340% 01.350%
    APY = Annual percentage yield.
    * 91-Day & 12-Month Jumbo Certificates are NOT available in any IRA.
    *** Dividend Rates for period shown.
    **** Penalties for early withdrawal may affect principal.
    ***** Dividends must be compounded to earn APY

SENIOR PLUS CERTIFICATE RATES

  • Senior Plus Certificate Rates Effective: 10/1/2018
    (Age 60 and over)
    Terms Minimum Deposit Dividend Paid Dividend Rate APY
    1 Year $500 Quarterly 0.400% 0.400%
    18 Months $500 Quarterly 0.500% 0.500%
    2 Years $500 Quarterly 0.700% 0.700%
    3 Years $500 Quarterly 0.900% 0.900%
    4 Years $500 Quarterly 1.100% 1.100%
    5 Years $500 Quarterly 1.390% 1.400%
    APY = Annual percentage yield.
    * Senior Plus Certificates are NOT available in an IRA

LOAN RATES

  • Loan and Credit Rates Effective: 10/1/2018
    All loan rates quoted APR (Annual Percentage Rate)
    Click Here to apply for a loan today!
    Product Max Term As Low As*
    New & Used Auto Loans
    24 2.10%
    24 2.10%
    36 2.10%
    48 2.10%
    60 2.35%
    72 2.85%**
    84 3.85%**
    Recreational Vehicles Max Term As Low As*
    Boats, Motor Homes, Travel Trailers, Jet Ski's and Snowmobiles*
    36 2.75%
    60 2.75%
    84 4.25%
    120 5.75%
    144 8.25%**
    180 9.75%**
    Closed End Signature Loans As Low As*
    8.70%
    PARDA Premier Line of Credit 8.99%***
    Line of Credit 14.95%***
    Share/Certificate Pledged Loans Collateral Rate + 2.000%
    * APR = Annual Percentage Rate. Rates disclosed above are the lowest rates available and require direct deposit with PARDA Federal Credit Union. Rate and Term may vary based on credit score, year of collateral and loan-to-value. For qualified borrowers. Rates subject to change without warning.
    ** Minimum loan amount required for this term and is available based on individual credit history. Please contact one of our loan representatives for more information.
    *** Direct Deposit discounted rate does not apply to Line of Credit Loans. PARDA Premier LOC minimum loan amount is $5,000 and a minimum credit score of 640 required.

HOME LOANS

  • Home Loan Rates Effective: 10/1/2018
    All loan rates quoted APR (Annual Percentage Rate)
    Home Equity Line of Credit LTV As Low As*
    No Costs/15 year draw period Minimum Rate 4%, Maximum Rate 18%. Refer to Wall Street Journal for stated Prime Rate
    36 2.75%
    80% LTV and Below Prime
    81% - 85% LTV* Prime + 0.50%
    86% - 90% LTV Prime + 1.00%
    91% - 95% LTV* Prime + 1.50%
    * APR = Annual Percentage Rate. Rates disclosed above are the lowest rates available. Rate based on the Prime Rate as stated in the Wall Street Journal and adjusts quarterly. Rate may vary based on credit score and loan-to-value of property. For qualified borrowers with the ability to repay. Please contact one of our loan representatives for more information.
    Fixed Rate Term Home Equity Loan Max Term As Low As*
    60 Months 4.150%
    84 Months 4.450%
    120 Months 4.650%
    144 Months 5.250%**
    * APR = Annual Percentage Rate. Rates disclosed above are the lowest rates available. Rate and term may vary based on credit score and loan-to-value of property. For qualified borrowers with the ability to repay.
    ** This term is available based on individual credit worthiness.
    Please contact one of our loan representatives for more information.
    First Mortgage Loans Contact your local branch for rates or our Mortgage Department at (866) 898-1818





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