Loan Rates | Panhandle Credit Union

Rates are effective as of August 15, 2023.

Rates are effective as of August 1, 2023.

Savings Accounts

Account Type

Dividend Rate

APY*

Notes

IRA Accumulation

Dividend Rate

0.955%

APY*

1.00%

Notes

Holiday Club

Dividend Rate

0.15%

APY*

0.150%

Notes

Kids Club

Dividend Rate

0.15%

APY*

0.150%

Notes

Money Market ($1,000-$9,999)

Dividend Rate

0.995%

APY*

1.00%

Notes

Money Market ($10,000-$24,999)

Dividend Rate

1.242%

APY*

1.25%

Notes

Money Market ($25,000-$49,999)

Dividend Rate

1.489%

APY*

1.50%

Notes

Money Market ($50,000-$249,999)

Dividend Rate

1.980%

APY*

2.00%

Notes

Money Market ($250,000 +)

Dividend Rate

4.066%

APY*

4.15%

Notes

Main Share

Dividend Rate

0.150%

APY*

0.15%

Notes

If average daily balance is over $100

_‍Share Certificates

Account Type

Dividend Rate

APY*

Notes

60-Month Share Certificate

Dividend Rate

2.713%

APY*

2.75%

Notes

48-Month Share Certificate

Dividend Rate

2.956%

APY*

3.00%

Notes

36-Month Share Certificate

Dividend Rate

3.198%

APY*

3.25%

Notes

24-Month Share Certificate

Dividend Rate

3.826%

APY*

3.90%

Notes

12-Month Share Certificate

Dividend Rate

4.162%

APY*

4.25%

Notes

6-Month Share Certificate

Dividend Rate

3.199%

APY*

3.25%

Notes

90-Day Share Certificate

Dividend Rate

2.956%

APY*

3.00%

Notes

IRAs

Account Type

Dividend Rate

APY*

Notes

60-Month IRA Certificate

Dividend Rate

2.713%

APY*

2.75%

Notes

48-Month IRA Certificate

Dividend Rate

2.956%

APY*

3.00%

Notes

36-Month IRA Certificate

Dividend Rate

3.198%

APY*

3.25%

Notes

24-Month IRA Certificate

Dividend Rate

3.826%

APY*

3.90%

Notes

12-Month IRA Certificate

Dividend Rate

4.162

APY*

4.25%

Notes

6-Month IRA Certificate

Dividend Rate

3.199%

APY*

3.25%

Notes

90-Day IRA Certificate

Dividend Rate

2.956%

APY*

3.00%

Notes

Auto Loans

Loan Type

APR*

Terms

Notes

Autos (New 2022-2023)

APY*

4.20%

-

18.00%

Terms Up To

Up to 84 Months

Notes

Autos (Used 2019-2023)

APY*

4.55%

-

18.00%

Terms Up To

Up to 84 Months

Notes

Autos (Used 2014-2018)

APY*

7.15%

-

18.00%

Terms Up To

Up to 72 Months

Notes

Motorcycle, Boat, RVs

Loan Type

APR*

Terms

Notes

Motorcycles

APY*

3.05%

-

18.00%

Terms Up To

Up to 72 Months

Notes

Boats

APY*

3.05%

-

18.00%

Terms Up To

Up to 180 Months

Notes

Recreational Vehicles

APY*

3.05%

-

18.00%

Terms Up To

Up to 180 Months

Notes

Personal Loans

Loan Type

APR*

Terms

Notes

Credit Builder Loan

APY*

14.90%

-

Terms Up To

12 Months

Notes

First-Chance Loan

APY*

12.70%

-

Terms Up To

Notes

Call for Terms

Lifestyle Loan

APY*

7.10%

-

18.00%

Terms Up To

Up to 48 Months

Notes

Signature Loan

APY*

9.30%

-

18.00%

Terms Up To

Notes