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Let's
Share! Just maintain a minimum of $1.00 in a share savings account
and you will become part owner in the credit union. Your share
account works just like a regular passbook savings account and
earns competitive monthly dividends.
*Your savings accounts earn interest on the days that the balance
is above $25.00. |
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*Your
savings accounts earn interest on the days that the balance
is above $25.00. |
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| Teen
Club Account |
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savings accounts earn interest on the days
that the balance is above $25.00. |
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| Platinum
Club Account |
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| Holiday
Savings |
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This
account is similar to our share savings account but is used
specifically to help you save money all year long for holiday
shopping. Holiday Savings are available the 1st of October just
in time for all of the holiday sales and bargains. Start saving
for the holidays today with your holiday savings account. |
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Vacation
Savings |
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This
account is similar to our share savings account but is used
specifically to help you save money all year long for your vacation.
Vacation Savings are available the 1st of May just in time for
your vacation. Start saving today for your vacation with your
vacation savings account. |
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Choose
the checking that's best for you! Postal & Community has
two great checking accounts to meet your needs. |
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Basic
(Cost Free) |
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No
Minimum Balance |
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Unlimited
Check Writing |
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No
Monthly Fees |
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Overdraft
Protection |
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Premier
(Interest-Earning) |
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Interest
Paid Monthly |
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$500
Minimum Balance* |
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Unlimited
Check Writing |
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Overdraft
Protection |
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Additional
benefits of Basic and Premier |
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Direct
deposit of your paycheck, social security or pension check into
your account. Payroll deduction to direct your funds to different
savings accounts and loan payments.
Make
financial transactions on your account 24 hours a day with your
touch-tone phone on our Starline access service
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A
VISA Check Card can deduct your transactions automatically from
your checking account. This will save you time and money without
writing a check! Access to thousands of automated teller machines
displaying the STAR and CIRRUS logos with your PCCU VISA Check
Card as well. |
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*Your
account earns interest only on the days that the balance is
above the minimum. |
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| Money
Market Fund Account |
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Our
Money Market Fund Account offers a great return on your investment,
easy access to your funds (liquidity) and check writing privileges.
The more you save, the higher the rate with our flexible tiered
accounts. We have great rates on our
money market account.
Your funds are federally insured up to $250,000 by the NCUA.
Interest
on your investment is paid monthly. By maintaining a minimum
balance of $1,000 you will earn interest and can add to your
account anytime you wish with a minimum deposit of $25.00.
You
may write up to three checks per month without incurring a
fee. The minimum withdrawal is $200. Start saving with your
PCCU money market account today! |
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Our
Share Certificates are very popular with our members on saving
their hard earned money. A Share Certificate locks in a higher
interest rate for a fixed period of time. We offer a variety
of terms from 3 months to 5 years to meet your needs. Our rates
are very competitive. With a minimum deposit of $500, you can
start saving today! |
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| Individual
Retirement Accounts (IRA's) |
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IRA's
are a great way to save for your retirement. We offer Traditional,
Roth and Educational IRA's. Start saving today with Postal &
Community's two great programs. |
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IRA
Certificates |
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With
a minimum deposit of $500, you can earn a higher interest rate
for a fixed period of time. We have a variety of terms to pick
from to help meet your retirement needs. |
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IRA
Savings |
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This
account is similar to our share savings account and helps you
save and build up your retirement savings. Start your IRA today! |
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Your IRA is insured up to $250,000 by the NCUA. |
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New
and Used Autos
We
want to be your FIRST choice in auto loans. Postal &
Community offers very competitive loan
rates to help you save money, purchase or refinance
your automobile. |
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The
credit union provides financing up to 100% of the NADA loan
value. We have a variety of terms and rates to meet your needs!
To use our secure online loan application, please click here:
Online
Loan Application. |
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We offer a variety of mortgages including fixed and adjustable rate, conventional, VA and FHA. We offer a variety of terms and our rates are among the most competitive in the market.
Call
our special member toll free phone number at 1.866.533.4188.
Finance the purchase of a new home or refinance your current
loan with us! |
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Postal & Community offers a great home equity loan where you only pay the PRIME RATE! You can borrow up to 80% of the appraised value of your home less your current mortgage debt. This loan is a revolving line of credit secured by a mortgage on your home. |
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Your
home equity loan can be used for debt consolidation, education,
home improvements or any plans for the future. You may be
able to deduct the interest from your taxes. Consult your
tax advisor. We offer a great rate
which is the PRIME RATE! Call today! |
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We
offer VISA credit cards! Choose a worldwide accepted name like
VISA and a credit union you can trust like Postal & Community
for your credit card! Our card offers: |
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No
Annual Fee |
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Rates as low as 7.90% |
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25
Day Grace Period |
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A
new PCCU credit card can make purchases easy, fast and convenient! |
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VISA |
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Credit
Card Disclosure |
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Annual
Percentage Rate (APR) for
Purchases, Cash Advances and Balance Transfers |
As low as 7.90% |
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers: 7.90% to 15.90% when you open your account, based on your credit worthiness.
How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Federal Reserve Board: To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees
Transaction Fees - Foreign Transaction Fee: None
Penalty Fees - Late Payment Fee: Up to $15.00
How We Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Effective Date: The information about the costs of the card described in this application is accurate as of July 1, 2012. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
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Signature |
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Your
signature is the only collateral for this loan! This loan is
unsecured and can be used for many different purposes. Members
will receive a fixed loan amount, rate
and term. |
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Unsecured
Line of Credit |
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This
type of loan can be used for many different purposes. This loan
gives you the ability to draw from your line of credit and make
advances when you need to. Click here for current
rates. |
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Other
loans include: |
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Share
Secured |
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Motorcycles |
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Recreational
Vehicles |
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All
loan rates are subject to change without notice. You must be
eligible for membership to borrow from Postal & Community
Credit Union. Visit our Membership page
to see if you qualify or apply online using our online Membership
Application. |
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Postal
& Community provides the following services to help you
with your financial needs. |
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Internet
Member Access |
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Member
BillPay |
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Overdraft
Privilege |
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E-Statements |
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VISA
Check Cards |
| Retirement
Planning |
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Safe
Deposit Boxes |
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Direct
Deposit |
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Payroll
Deduction |
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Notary
Services |
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Movie
Passes |
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Silver
Dollar City Passes |
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Worlds
of Fun Passes |
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Savings
Bonds |
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We
do business in accordance with the Federal Fair Housing
Law and the Equal Credit Opportunity Act. |
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