- Rates
Dividend Rates
| Share Account | Minimum Balance* | Annual Percentage Yield | Rate |
|---|---|---|---|
| *To obtain the disclosed annual percentage yield, a minimum balance must be maintained in each type of account. The Board of Directors has announced a declaration of these dividends to be paid on individual member's eligible balances for the quarter ending June 30, 2026. All rates and terms offered are effective June 30, 2026 and are subject to change without notice. |
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| Prime Share Account | $50.00* | 0.10% | 0.10% |
| Youth Savings | Up to $1,000 | 4.50% | 4.41% |
| VIP Checking | none | 0.05% | 0.05% |
| Escrow Accounts | $50.00* | 0.05% | 0.05% |
| IRA | $50.00* | 0.17% | 0.17% |
| Health Savings Acct | none | 0.10% | 0.10% |
The following are the Money Market Rates for the period ending 8/31/2026
| Term | Annual Percentage Yield | Rate |
|---|---|---|
| All rates and terms offered are subject to change without notice. | ||
| 2,500 to 24,999 | 0.35% | 0.35% |
| 25,000 to 49,999 | 0.50% | 0.50% |
| 50,000 to 99,999 | 0.50% | 0.50% |
| 100,000 & $249,999 | 0.70% | 0.70% |
| $250,000 and above | 0.75% | 0.75% |
The following are the Share Certificate Rates as of 10/03/2026
| Term | Annual Percentage Yield | Rate |
|---|---|---|
| All rates and terms offered are subject to change without notice. A penalty will be assessed for premature withdrawal from share certificates. *APY = Annual Percentage Yield. APYs are accurate as of 9/18/2026 and are subject to change without notice. A minimum deposit and balance of $1,000 in new money is required to open this certificate and earn the advertised APY. Other certificates are available with a $500 minimum deposit; rates and terms vary. New money is defined as money not currently on deposit with People’s Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details. |
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| ***SPECIAL Share Certificate Rates*** | ||
| NEW 20 Month Special* | 4.30% | 4.22% |
| 6 Months | 3.76% | 3.70% |
| 8 Month Special* | 3.97% | 3.90% |
| 10 Month Special* | 4.05% | 3.98% |
| 11 Month Special | 3.56% | 3.50% |
| 18 Month Bump Up | 3.14% | 3.10% |
| 3 Months | 1.64% | 1.63% |
| 9 Months | 2.12% | 2.10% |
| 1 Year | 1.99% | 1.97% |
| 2 Year | 2.53% | 2.50% |
| 3 Year | 2.24% | 2.22% |
| 4 Year | 2.24% | 2.22% |
| 5 Year | 2.87% | 2.83% |
| Building 1 Year | 1.99% | 1.97% |
| Education 1 Year | 1.99% | 1.97% |
| 12 Month Young Adult Building | 2.24% | 2.22% |
| 12 Month Youth | 2.24% | 2.22% |
| Lucky Savers | 1.99% | 1.97% |
The following are the Fixed Mortgage Rates
| Term | Rate | APR** | Points |
|---|---|---|---|
| 30 Year | 6.875% | 6.93% | 0 |
| 20 Year | 6.875% | 6.95% | 0 |
| 15 Year | 6.625% | 6.72% | 0 |
| 10 Year | 6.500% | 6.64% | 0 |
**APR = Annual Percentage Rate. APR based on a $200,000 conventional loan. Rates Effective 9/24/2026.
Loan Rates |
| Financing for non-commercial vehicles only. |
| Loan | Term | APR* |
|---|---|---|
| *The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans. **Must meet IRS requirements for a home mortgage interest deduction. If we are first mortgage, first position lien. ***Current and previous year models. All loan rates and terms offered are effective September 18, 2026 and are subject to change without notice. Additional terms and conditions may apply. |
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| Signature (Unsecured)/Debt Consolidation - Apply Now | 1-3 years 4-5 years |
As low as 9.74%* As low as 10.74%* |
| New Vehicle - Apply Now | 1-5 years 6 years (over $15,000) 7 years (over $25,000)*** |
As low as 4.60%* As low as 4.85%* As low as 5.70%* |
| Used Vehicle / Refinance - Apply Now | 1-5 years 6 years (over $15,000) 7 years (over $25,000)*** |
As low as 5.30%* As low as 5.50%* As low as 6.75%* |
| Aircraft, Travel Trailer and Rec. Vehicle - Apply Now | 1-6 years 7-12 years (over $20,000) |
As low as 7.49%* As low as 8.49%* |
| Motorcycles, Jet Ski, & ATV - Apply Now | 1-3 years 4-5 years 6-7 years (over $15,000) 7 Year current rate & 1 yr prior model only |
As low as 5.99% As low as 6.24% As low as 6.49% As low as 6.49% |
| New Boat - Apply Now | Up to 72 months 84-122 months 156-180 months 192-240 months |
As low as 7.49%* As low as 7.24%* As low as 6.99%* As low as 6.74%* |
| Used Boat - Apply Now | Up to 72 months 84–122 months 156–180 months 192–240 months |
As low as 7.99% As low as 7.74% As low as 7.49% As low as 7.24% |
| Education Loan | Variable | 8.00% |
| Overdraft Protection | open | 13.5% |
| Mini Home Equity Loan - Learn More | 7.875% variable | |
| Variable Equity Line of Credit - Learn More | 5.74% | |
| Fixed Home Equity Loan - Learn More | 7.85% to 9.30% Fixed | New Loans* |
| Fixed Home Equity Loan - Learn More | 6.99% to 7.125% Fixed | New Loans* 1st position** |
