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Loan Rates
| Loan Type |
APR |
Terms in Months |
| Tax Loan Special |
8.99% |
Up to 24 months Max. $5,000.00 |
| New Auto |
5.29% |
Up to 48 months |
| Used Auto |
6.99% |
Up to 48 months |
| Signature Loans |
10.99% |
Up to 60 months |
| Home Equity |
6.90% |
Up to 60 months * |
| Winter Loan Special |
7.99% |
Up to 12 months Max. $3,000.00 |
| Home Improvement Loan |
9.99% |
Up to 36 months Max. $6,000.00 |
| Share Secured Loans |
4.25% |
Up to 60 months |
| VISA Gold |
9.99% |
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| VISA Classic |
14.76% |
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APR = Annual Percentage Rate
* Maximum $ 40,000.00 Minimum $ 5,000.00 Home Equity Loans can be amortized up to 120 months with a 5 year balloon payment.
Savings Rates
| Account Type |
Dividend Rate / APY* |
Terms |
| Share Draft |
0.000% / 0.000% |
|
| Regular Share |
0.500% / 0.500% |
Minimum Balance to earn $ 100.00. |
| Premium Account |
2.00% / 2.020% |
Minimum Balance to open $ 10000.00 |
| IRA |
2.250% / 2.270% |
Minimum Deposit to open $ 500.00. |
*APY = Annual Percentage Rate
The dividend rate and annual percentage yield (APY) on these accounts may change every quarter as determined by our board of directors. Please contact the credit union for full details. Rates listed were as of last dividend paid.
Current Certificate Deposits Rates
|
Term |
Dividend Rate / APY* |
Minimum |
Maximum |
| 1 Year |
1.60%/1.61% |
$ 1,000.00 |
$ 25,000.00 |
| 20 Month Special |
1.75%/1.76% |
$ 10,000.00 |
$100,000.00 |
| 2 Year |
1.80%/1.81% |
$ 5,000.00 |
$ 25,000.00 |
| 3 Year |
2.45%/2.47% |
$ 5,000.00 |
$ 25,000.00 |
| 4 Year |
2.60%/2.63% |
$ 10,000.00 |
$ 25,000.00 |
| 5 Year |
2.75%/2.78% |
$ 10,000.00 |
$ 10,000.00 |
APY = Annual Percentage Yield
Dividend rates and the Annual Percentage Yield will be determined on a monthly basis, by the Board of Directors. The dividends will be deposited into the share account that the CD's are made under. Dividends will be paid quarterly, compounded daily.
Financial Calculators
My Postal Credit Union
735 W. Huron Street
Pontiac, Michigan
48343
(248) 332-4000
info@mypostalcu.com
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