Rates

Share Rates

Account Type	APR	APY	Notes
Share (Savings)	0.05%	0.050%	Over $5.01
Christmas Club	0.50%	0.50%	Maximum $5,000.00
Vacation Club	0.50%	0.50%	Maximum $5,000.00
Share Draft (Checking)	.00%	.00%

Effective July 1, 2024 - APY – Annual Percentage Yield - APR – Annual Percentage Rate

Share Certificates (CDs)

Term	APR	APY
90 Day	3.50%	3.50%
6 Month	3.50%	3.50%
12 Month	3.55%	3.55%
24 Month	3.60%	3.60%
36 Month	3.60%	3.60%
48 Month	3.65%	3.65%
60 Month	3.70%	3.70%

Effective January1st 2025- APY – Annual Percentage Yield - APR – Annual Percentage Rate.
Share Certificate Rates may change without prior notice.

Loan Rates

Type	APR	Term	Noted
Shares Loan	2.19%	Up to 24 Months	Minimum $1000.00
	2.49%	Up to 36 Months	Minimum $1000.00
	2.69%	Up to 48 Months	Minimum $1000.00
	2.99%	Up to 60 Months	Minimum $1000.00
New Vehicle Loan	Maximum $50,000.00
	4.59%	Up to 36 Months
	4.79%	Up to 48 Months
	4.89%	Up to 60 Months
	4.99%	Up to 72 Months
Used Vehicle Loan			Some Restrictions Apply
	4.89%	Up to 36 Months	2017 or newer
	5.09%	Up to 48 Months	2018 or newer
	5.39%	Up to 60 Months	2019 or newer
	5.59%	Up to 72 Months	2020 or newer
Signature Loan			Maximum $10,000.00
Signature Loan	11.00%	Up to 36 Months
Signature Loan	12.00%	Up to 48 Months	Over $3000.00
Signature Loan	13.00%	Up to 60 Months	Over $5000.00
Organization Signature Loan			Maximum $49,999.99 Available to: Parishes of the PNCC and non-profit associations and organizations associated with the Polish National Alliance
	6.59%	Up to 60 Months
	7.10%	Up to 120 Months
	7.85%	Up to 180 Months	15 year minimum is $20,000.00
Youth Credit Builder Loan	6.50%	Up to 12 Months	Minimum $200.00 Maximum $1000.00 Ages 16-17 with co-signer
Home Equity Loan			Not to exceed 85% of the appraised value minus any first mortgage balance
	6.24%	Up to 60 Months
	6.38%	Up to 84 Months
	7.00%	Up to 120 Months
	7.00%	Up to 180 Months	15 Year Minimum is $20,000.00
Collateral Loan	7.50%	Up to 48 Months	Maximum $30,000.00
Recreational Vehicles Loans
New
	6.00%	Up to 36 Months
	6.50%	Up to 48 Months
	7.00%	Up to 60 Months
	7.50%	Up to 72 Months	Minimum $25,000.00 Maximum $50,000.00
	8.00%	Up to 120 Months	Minimum $25,000.00 Maximum $50,000.00
Used
	6.00%	Up to 36 Months
	6.50%	Up to 48 Months
	7.00%	Up to 60 Months
Share Certificate Loans			The full share certificate balance may be pledged by any account owner as collateral. The loan on the share certificate will have a term limit of the life of the certificate. (Maximum 60 months) The rate will be based on the rate of the certificate plus 2%.
SCU Select    -  Maximum $2500.00	7.99%	Up to 18 Months

Effective January 1, 2025 - APR - Annual Percentage Rate