Copyright © 2024 PostCity Financial Credit Union. All rights reserved.
Rates & Fees
Share Rates
Effective as of 9/30/2024
|
PostCity Perks! Tier |
Prospective Dividend |
Prospective APY* |
Dividend Declaration Date |
|---|---|---|---|
|
PostCity Kidz Red/Blue/Silver |
.05% |
.05% |
9/30/2024 |
|
Gold |
.10% |
.10% |
9/30/2024 |
|
Platinum |
.20% |
.20% |
9/30/2024 |
|
* Minimum opening balance required is $25. Youth accounts (12 and under) can be opened with $5. |
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Tiers |
Prospective Dividend Rate |
Prospective Annual Percentage Yield |
Dividend Declaration Date |
|---|---|---|---|
|
$15,000 - $24,999 |
0.60% |
0.60% |
9/30/2024 |
|
$25,000 - $99,999 |
1.20% |
1.21% |
9/30/2024 |
|
$100,000 and over |
1.45% |
1.46% |
9/30/2024 |
|
(2) Balances below $15,000 will earn .05 APR |
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|
Term |
Minimum Balance |
Prospective Dividend |
Prospective APY*** |
Dividend Declaration Date |
|---|---|---|---|---|
|
3 Months |
$2,000 |
0.15% |
0.15% |
9/30/2024 |
|
6 Months |
$2,000 |
1.50% |
1.51% |
9/30/2024 |
|
9 Months |
$2,000 |
3.00% |
3.03% |
9/30/2024 |
|
12 Months |
$2,000 |
2.00% |
2.02% |
9/30/2024 |
|
18 Months |
$2,000 |
0.35% |
0.35% |
9/30/2024 |
|
24 Months |
$2,000 |
0.40% |
0.40% |
9/30/2024 |
|
36 Months |
$2,000 |
0.45% |
0.45% |
9/30/2024 |
|
** Youth Certificates (under age 24) $100 minimum balance. Additional deposits may be made any time during the term of the certificate. Penalty for early withdrawal on all certificates. These rates are applicable to specified accounts. All rates and terms are subject to change without notice. Please call PostCity at (877) 337 - 2728 for more information. See Truth in Savings disclosure for details. *** APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates, terms and availability are subject to change without notice. Not available on business accounts. At maturity, these certificates will automatically be deposited into member's IRA share savings account. In the event of early withdrawal, member shall forfeit an amount equal to all dividends for 180 days on the amount withdrawn, which may include principal. Account fees could reduce earnings. Please refer to the PostCity Financial Truth in Savings disclosure for complete terms and conditions.
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Term |
Minimum Balance**** |
Prospective Dividend |
Prospective APY* |
Dividend Declaration Date |
|---|---|---|---|---|
|
9 Months |
$50,000 |
3.50% |
3.56% |
9/30/2024 |
|
9 Months |
$100,000 |
4.00% |
4.08% |
9/30/2024 |
|
LIMITED TIME RATE BUMP .25% Bring in $25,000 or more in New Money (funds not currently on deposit at PostCity) when you open your new Jumbo Share Certificate and earn a Rate Bump of .25%****
**** Jumbo Certificates minimum balance requirement. Additional deposits may be made any time during the term of the certificate. Penalty for early withdrawal on all certificates. These rates are applicable to specified accounts. All rates and terms are subject to change without notice. Please call PostCity at (562) 498-6057 for more information. See Truth in Savings disclosure for details. *APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates, terms and availability are subject to change without notice. Account fees could reduce earnings. Please refer to the PostCity Financial Truth in Savings disclosure for complete terms and conditions.
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Auto Loan Rates
Effective as of 6/30/2024
|
APR* |
Maximum Term |
Maximum Loan Amount |
|---|---|---|
|
5.49% - 14.49%* |
Up to 84 Months |
$75,000 |
*APR = Annual Percentage Rate. You must qualify for PostCity Financial Credit Union membership to be eligible to borrow. Loans subject to underwriting and approval. All rates subject to change without notice. Lowest advertised auto rates above are based on your PostCity Perks Relationship tier and reflect our highest discount available. Please refer to PostCity Perks disclosures for complete terms and conditions.
Maximum loan value for new vehicles shall not exceed 125% of the purchase price including tax, license, mechanical breakdown insurance, and GAP. Maximum loan value for used vehicles is based on retail Kelly/NADA or similar industry standard guide Blue Book up to 125% maximum financing for models 5 years or newer. Maximum loan value for used vehicles, model years over 5 years, finance up to 125% of wholesale Kelly/NADA or similar industry standard guide Blue Book.
Payment example: $19.10 per month per $1,000.00 at 5.49% APR* for 60 months, based on lowest rate available on terms over 60 months. Lowest rate of 5.49% APR is only available for maximum term of 60 months for excellent A+ credit borrowers.
Subject to change.
|
APR** |
Maximum Term |
Maximum Loan Amount |
|---|---|---|
|
8.99% - 15.99%* |
Up to 84 Months |
$75,000 |
**Maximum loan value for used vehicles is based on retail Kelly/NADA or similar industry standard guide Blue Book up to 110% maximum financing for models 5 years or newer. Maximum loan value for used vehicles, model years over 5 years, finance up to 110% of wholesale Kelly/NADA or similar industry standard guide Blue Book.
Payment example: $20.76 per month per $1,000.00 at 8.99% APR* for 60 months, based on lowest rate available. Lowest advertised auto rates above are based on your PostCity Perks Relationship tier and reflect our highest discount available. Please refer to PostCity Perks disclosures for complete terms and conditions.
|
APR** |
Maximum Term |
Maximum Loan Amount |
|---|---|---|
|
10.99%-17.99%* |
60 Months |
$75,000 |
**Payment example: $21.75 per month per $1,000.00 at 10.99% APR for 60 months, based on lowest rate available. Finance up to 80% of wholesale Kelly/NADA or similar industry standard guide Blue Book.
|
APR** |
Maximum Term |
Maximum Loan Amount |
|---|---|---|
|
10.99%-17.99%* |
120 Months |
$75,000 |
**For new, maximum financing is 80% of purchase price including tax and license. For used, maximum financing is 80% of wholesale NADA Book value and model must be 10 years or newer.
Payment example: $13.78 per month per $1,000.00 at 10.99% APR for 120 months, based on lowest rate available.
Platinum Visa® Rates
Effective as of 6/30/2024
|
APR* Range |
Balance Transfer APR* Range |
Annual Fee |
|---|---|---|
|
12.99% - 19.99%* |
12.99% - 19.99% |
$0 |
|
APR* |
Balance Transfer APR* |
Annual Fee |
|---|---|---|
|
13.99% |
13.99% |
$0 |
*Annual Percentage Rate. You must qualify for PostCity Financial Credit Union membership to be eligible to borrow. Rates shown are lowest available and are based on applicant credit history. Your rate may be higher. All rates subject to change without notice. Platinum Visa payment example: $30.00 per month per $1,000.00 at 12.99% APR based on minimum payment of 3% of the balance. Share-secured Platinum Visa payment example: $30.00 per month per $1,000.00 at 13.99% APR based on minimum payment of 3% of the balance.
Platinum Visa Credit Card Disclosures
Personal Loan Rates
Effective as of 6/30/2024
|
APR* |
Maximum Term |
Maximum Amount |
|---|---|---|
|
13.99% - 20.99% |
48 months |
Maximum loan amount $10,000 (minimum monthly payment $50) |
*Payment example: $27.33 per month per $1,000.00 at 13.99% APR for 48 months, based on lowest rate available.
|
APR* |
Maximum Term |
Maximum Amount |
|---|---|---|
|
13.99% - 20.99% |
48 months |
Maximum loan amount $10,000 (minimum monthly payment $50) |
*Payment example: $27.33 per month per $1,000.00 at 13.99% APR for 48 months, based on lowest rate available.
|
APR* |
Maximum Term |
Maximum Amount |
|---|---|---|
|
2% above Certificate rate |
Maximum term is the Certificate maturity date |
90% of the Certificate balance (minimum monthly payment $50) |
|
APR* |
Maximum Term |
Maximum Amount |
|---|---|---|
|
2% above the highest declared share dividend rate** |
120 months |
100% of the available share balance (minimum monthly payment $50) |
|
**This rate is subject to change based on the declared share dividend rate at the end of each quarter. |
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Please refer to Personal Loans and Line of Credit Loans |
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Mortgage Rates and Disclosures
Fee Schedule
For a complete list of fees click the link below.
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