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All Rates are subject to change without notice.

SAVINGS RATES
Savings and Certificate Rates Effective: 02/01/2013
 
Dividend Rate
APY
Regular Savings*
   
$25.00 - $4,999.99 .050% .050%
$5,000 - $19,999.99 .050% .050%
$20,000 and over .050% .050%
     
PARDA Premier Savings*
   
$2,500 - $9,999.99 .100% .100%
$10,000 - $19,999.99 .150% .150%
$20,000 - $49,999.99 .200% .200%
$50,000 - $99,999.99 .250% .250%
$100,000 and over .300% .300%
     
Business Savings*
   
$25.00 - $4,999.99 .050% .050%
$5,000 - $19,999.99 .050% .050%
$20,000 and over .050% .050%
     
Business Money Marketing*
   
$2,500 - $9,999.99 .100% .100%
$10,000 - $19,999.99 .150% .150%
$20,000 - $49,999.99 .200% .200%
$50,000 - $99,999.99 .250% .250%
$100,000 and over .300% .300%
     
All IRA Savings Account
.250% .250%
     
All Other Savings Accounts
.050% .050%
APY = Annual Percentage Yield

* Minimum balance stated above required to earn dividends


CHECKING RATES
Checking Rates Effective: 10/01/2016
 
Dividend Rate
APY
Premier Interest Checking
   
$0.00 - $1,499.99 0.030% 0.03%
$1,500 and over 0.070% 0.07%
   
50+ Interest Checking
   
No Minimum Balance 0.030% 0.03%
   
Easy Interest Checking
   
No Minimum Balance 0.030% 0.03%
     

APY = Annual Percentage Yield. Dividends on Personal Interest Checking accounts are paid quarterly.

     
Business Interest Checking*
   
$0.00 - $14,999.99 0.160% 0.16%
$15,000.00 - $49,999.00 0.330% 0.33%
$50,000.00 and over 0.489% 0.49%
   
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 May 1st, 2017. 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: 02/01/2013
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% 1.350%
 

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: 02/01/2013
(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 10/22/14.
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*
24 months 2.10%
36 months 2.10%
48 months 2.10%
60 months 2.35%
72 months 2.85%**
84 months 3.85%**
 

*The Annual Percentage Rates (APR) disclosed above are the lowest rates available, which includes a 0.25% discount for having direct deposit with PARDA Federal Credit Union. Your actual rate will reflect your individual credit history and may be higher than the above rates. Add 1% to the above rates on models 5 and 6 years of age. Add 2% to above rates on models 7 years and older. Add 1% to above rates for mileage in excess of 100,000.
**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.

Recreational Vehicles

Boats, Motor homes,
Travel Trailers, Jet Ski's
and Snowmobiles*
Max Term
As Low As*
36 months 2.75%
60 months 2.75%
84 months 4.25%
120 months 5.75%
144 months 8.25%**
180 months 9.75%**
 

*The Annual Percentage Rates (APR) disclosed above are the lowest rates available, which includes a 0.25% discount for having direct deposit with PARDA Federal Credit Union. Your actual rate will reflect your individual credit history and may be higher than the above rates. Add 1% to the above rates on models 5 and 6 years of age. Add 2% to above rates on models 7 years and older.
**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.

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%

* The Annual Percentage Rate (APR) disclosed above are the lowest rates available, which include a .25% discount for having direct deposit with PARDA Federal Credit Union. Lines of credit are not eligible for the direct deposit discount. Your actual rate will reflect your individual credit history and may be higher than the above rates. Please contact one of our loan representatives for more information.


LINE OF CREDIT

Line of Credit Rates Effective 10/22/14.
Minimum credit score of 640 us required to qualify for the PARDA Premier LOC and the minimum loan amount is $5,000.00
The rates adjust quarterly with the WSJ Prime Rate.
   
 
PARDA Premier Line of Credit 8.99%
Line of Credit 14.95%

HOME LOANS
Home Loan Rates Effective 10/22/14.
All loan rates quoted APR (Annual Percentage Rate)
   
Home Equity Line of Credit
No Costs/15 year draw period Minimum Rate 4%, Maximum Rate 18%. Refer to Wall Street Journal for stated Prime Rate
LTV
As Low As*
80% LTV and Below Prime
81% - 85% LTV* Prime + 0.50%
86% - 90% LTV Prime + 1.00%
91% - 95% LTV* Prime + 1.50%
 

*The Annual Percentage Rates (APR) disclosed above are the lowest rates available. Rate adjusts quarterly with the WSJ Prime Rate. Your actual rate will reflect your individual credit history and value of property and may be higher than the above rates. Please contact one of our loan representatives for more information. 95% combined loan to value available to borrowers with credit scores of 680 & above. Closing fees may be assessed if line closed within 25 months.

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%**%
 

*Your actual rate will reflect your individual credit history and value of property and may be higher than the above rates. 95% combined loan to value available to borrowers with credit scores of 640 & above. Please contact one of our loan representatives for more information.
**This term is available based on individual credit history. 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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*APR – Annual Percentage Rate, subject to change. Subject to credit approval. The APR disclosed above is the lowest rate available for members with an excellent credit history and includes the rate reduction and the .25% direct deposit rate reduction. Your rate will reflect your individual credit history and may be higher than the rate quoted here. Not a promise to lend; standard credit qualifications and some restrictions apply. This promotion does not apply to existing PARDA FCU loans.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.