Loan Rates
Title Loans - Auto/Motorcycle/ATV/Camper/Boats
Loan Type Conditions Term APR*
New & Used Vehicles
20% down
80% of Sticker Price or NADA/CPI Retail Value 36 mos. 1.99%
48 mos. 2.49%
60 mos. 2.99%
72 mos.** 3.99%
New & Used Vehicles 0% down 100% of Sticker Price or NADA/CPI Retail Value 36 mos. 2.49%
48 mos. 2.99%
60 mos. 3.49%
72 mos.** 4.49%
Older Auto(not in NADA/CPI book)
20% down
80% of Older Used Car NADA Book Retail Value 24 mos. 6.99%
Older Auto
(not in NADA/CPI book)
0% down
100% of Older Used Car NADA Book Retail Value 24 mos. 7.49%
*Annual Percentage Rate. Loan Rates are subject to change at any time. Loan limits exclude Credit Disability Insurance (i.e. loan limit + CDI). New loans will have priority over refinances from other institutions for new lower rates. PALCO loans cannot be refinanced for a lower rate. Model year updated in September. **New vehicles only, unless financing $40,000 or more.


Home Equity Line of Credit
DESCRIPTION TERM APR *
Home Equity Line of Credit 10 years (120 Months) 5.00%
* Annual percentage rate. This is the current adjustable rate. Home equity rates can change every six months up to one full percentage point. Loan limits exclude Credit Disability Insurance (i.e. loan limit + CDI).


Home Equity Fixed Rate Loan
DESCRIPTION TERM APR *
Home Equity Fixed Rate 4 years or less 2.99%
Home Equity Fixed Rate Up to 7 years 3.49%
Home Equity Fixed Rate Up to 10 years 3.99%
* Annual percentage rate. $400 application fee. Loan amount based on equity in home(80% of appraised value less 1st mortgage) and the ability to pay. Minimum loan is $5,000 and maximum loan amount is $80,000. PALCO must be at least 2nd leinholder on the property. Contact the loan department for complete details. Loan limits exclude Credit Disability Insurance (i.e. loan limit + CDI).


Personal Signature & VISA Loan Rates
DESCRIPTION TERM APR *
Personal Signature Line up to $25,000 1-60 Months 11.0%
VISA Credit Card line up to $25,000 2.5%, min. $10 8.9%
Vacation Helper Loan Special up to $5,000** 12 Months 6.75%
Vacation Helper Loan Special up to $5,000** 18 Months 7.00%
Holiday Helper Loan Special up to $3,000*** 12 Months 6.00%
*Annual Percentage Rate. Loan Rates are subject to change at any time. Loan limits exclude Credit Disability Insurance (i.e. loan limit + CDI). Combination of all unsecured loans cannot exceed a total of $25,000.**Available only between April 1st and August 31st. ***Available only between October 1st and January 31st.


Share Secured
DESCRIPTION TERM APR *
Share Secured Loan - 36 Months 1-36 Months 5.0%
Share Secured Loan - 60 Months 37-60 Months 6.0%
Share Secured Loan - 120 Months 61-120 Months 7.5%
*Annual Percentage Rate. Loan Rates are subject to change at any time. Loan limits exclude Credit Disability Insurance (i.e. loan limit + CDI).


Certificate Secured
DESCRIPTION TERM APR *
Certificate Secured Loan - 36 Months Negotiable 2.0% above certificate rate
*Annual Percentage Rate. Loan Rates are subject to change at any time. Loan limits exclude Credit Disability Insurance (i.e. loan limit + CDI).


Certificate Accounts
                **$500-4,999 $5,000-9,999 $10,000 & up  
Length **Junior Share Certificate Minimum Regular Share Certificate Minimum APR APY* APR APY* APR APY* Early Withdrawal
6 mos. n/a $1000 0.20 n/a 0.30 n/a 0.45 n/a 30 Days
12 mos. $250 $500 0.30 0.30 0.40 0.40 0.55 0.55 60 Days
18 mos. $250 $500 0.40 0.40 0.50 0.50 0.65 0.65 60 Days
24 mos. $250 $500 0.50 0.50 0.60 0.60 0.75 0.75 60 Days
36 mos. $250 $500 0.80 0.80 0.90 0.90 1.05 1.05 90 Days
48 mos. $250 $500 1.20 1.21 1.30 1.31 1.45 1.46 90 Days
60 mos. $250 $500 1.55 1.56 1.65 1.66 1.80 1.81 90 Days
Note: Dividends paid only at maturity on 6 month SCís. Dividends may be paid at maturity on all SCís with term not exceeding one year. Rates and conditions subject to change without notice. Dividends on 12, 18, 24 36,  48, or 60 month SCís may be paid monthly or quarterly by being deposited into a share account, mailed or compounded back into the SC. Note: All Junior Share Certificates are for members 18 years of age and under. All  Junior Share Certificates will be required to have a Joint Owner on the Certificate with them that is over the age of 18. After the member reaches the age of 19 a renewing Junior Share Certificate will be deposited into the savings account automatically (no automatic renewal). At that point they may roll the monies over into a Regular Share Certificate at the higher minimum deposit requirements.  (Effective 11/18/13)


Standard Account Dividends
  1st Quarter Declared 2nd Quarter Anticipated
  APR APY* APR APY*
Savings (S1) & T-accounts (S5) 0.25% 0.25% 0.15% 0.15%
Checking (S2) 0.00 0.00 0.00 0.00
Christmas (S3) & Vacation Clubs (S4) 0.25 0.25 0.15 0.15
* Annual Percentage Yield. Rates are determined by the board of directors at the board meeting prior to quarter end. The rates are reviewed and paid at the anticipated rates if there are sufficient resources to pay dividends at these rates. The anticipated rates are not guaranteed. Any accounts closed during the quarter will receive the last "declared" rate on those shares earning dividends.


Money Market Account Dividends
  March 2014 Declared April 2014 Anticipated
Money Market Savings APR APY* APR APY*
$2000 - $20,000 .15% .15% .15% .15%
$20,000 - $75,000 .20 .20 .20 .20
$75,000.01 and Over .25 .25 .25 .25
Money Market Checking
$2,500 - $10,000 .10% .10% .10% .10%
$10,000 and Over .20 .20 .20 .20
* Annual Percentage Yield. Rates are determined by the board of directors at the board meeting prior to quarter end. The rates are reviewed and paid at the anticipated rates if there are sufficient resources to pay dividends at these rates. The anticipated rates are not guaranteed. Any accounts closed during the quarter will receive the last "declared" rate on those shares earning dividends.
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