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SAVINGS & TRANSACTION ACCOUNTS
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Opening your share
account establishes your
membership in the Credit
Union and entitles you
to take advantage of all
the services offered at
PCTFCU.
Minimum balance required
to open account is $5.00.
($25.00 if you have an
open loan with the
credit union)
Pays competitive
dividends when you
maintain an average
daily balance of $50.00.
Dividends paid monthly.
Payroll deduction
available.
Statement account.
Quarterly statements
mailed to all
accountholders. |
Money Market Account
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Minimum balance of
$2,000.00 to earn
dividend.
Four tier balance system
determines dividend.
Check our rate table for
current dividend rates.
Dividends paid monthly.
Unlimited withdrawals.
No fees. No term
restrictions.
Payroll deduction
available.
Statement account.
Quarterly statements
mailed to all account
holders. |
Share Draft/Checking Account
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Unlimited check writing.
No minimum balance
required.
No per item or monthly
service charges.
Entitles member to apply
for a Visa Check card.
Internet access and Bill
Payment Program
available with
CU in
Homeroom with Bill
Payer.
Five free ATM
withdrawals per month.
Plymouth County Teachers
FCU is not responsible
for additional charges
from foreign ATMs.
Member of the SUM
network.
Member of Moneypass
network.
Member of NYCE Network
Shared Deposit Program.
Overdraft protection
available to cover
unforeseen overdrafts.
Payroll deduction
available.
Share account required. |
Club Accounts
Christmas Club
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Save for holiday
expenses throughout the
year.
Payroll deduction
available.
Matures September 30.
Transferred to share
account on the first
business day in October. |
Vacation Club
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Save weekly, biweekly,
or monthly for your
vacation.
Payroll deduction
available.
A check will be mailed
to you upon your
request. |
Share Certificates
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An alternative
investment option.
Set aside a specific
dollar amount for a
specific time period.
Earn higher dividend
rates.
Terms range from six to
sixty months.
Dividends compounded and
paid on a monthly basis.
Check our rate tables
for dividend rates and
the required minimum
balance. |
Individual Retirement
Accounts - IRA's
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Unlike stocks or mutual
funds, all PCTFCU IRA
accounts are separately
insured up to
$250,000.00 by NCUA, an
agency of the Federal
Government.
PCTFCU offers all three
IRA plans---Roth,
Traditional and
Coverdell Savings
Account.
Invest funds in a
variable rate or share
certificate account.
Check our rate table for
dividend rates,
available terms and
required minimum
balance. |
Puppy Pals Savings Club
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An account for children
up to 12 years of age.
Learn to save and watch
your account grow.
Prizes are earned as
established savings
goals are reached.
A parent or grandparent
must be a member of
PCTFCU.
Must be ages 3-12
$5 minimum deposit to
open account |
Puppy Pals Savings Club was set
up to teach young children the
value of saving. They will
receive rewards for saving $25,
$50, $75 and $100. When child
joins he/she will receive a
package to help them on their
way to learning the value of
money and saving. We ask that
parents let the children get
involved by bringing them in to
make their own deposits into
their share accounts.
CONSUMER LOANS
● Share account required with a
minimum balance of $25.00.
● Low-cost credit disability
insurance & life insurance
available.
● Apply in person, by mail, by
phone or use our loan
application on-line.
● Automatic payment plan
available.
● Approvals are usually made
within 24 hours of
receipt of
application.
● All rates and terms subject to
change without prior notice.
Unsecured Personal Loan
Need a loan for new furniture,
debt consolidation, a wedding or
just a needed vacation?
● Qualified applicants may
borrow up to $10,000.
● See rate tables for current
rates and terms.
New Auto Loan
● Pre-approval available.
● Finance selling price of new
car (excluding sales tax and
registration fees).
● Maximum loan amount of
$50,000.
Used Auto Loan
● Finance selling price up to
100% of
N.A.D.A. book value.
● Pre-approval available.
● Financing available for
vehicles purchased from
Enterprise Car Sales.
New Boat Loan
● Up to 80% financing.
New Boat rates
Used Boat Loan
● Up to 75% financing.
● Maximum loan amount $15,000.
Used Boat rates
Tuition Loan
● Maximum loan amount per
student $3,000.
Tuition rates
Share Secured Loan
● Maximum loan amount 95% of
share account balance.
Share Secured rates
Home Improvement Loan
● Maximum loan amount $10,000.
● Copy of estimate required.
Home Improvement rates
REAL ESTATE LOANS
First Mortgages
First Mortgage Information
Home Equity Line of Credit (Variable)
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Borrow up to 80% of the
appraised value of your
home minus your first
mortgage.
Pay no closing costs and
no appraisal fees (restrictions
may apply).
Borrow for any purpose:
tuition, home
improvements, paying off
credit card debt, and
more.
Borrow what you need
when you need it. Take
an initial draw of
$10,000 and then draw
$1,000 or more any time.
Pay the minimum amount
due each month or pay
the entire balance.
15-year total term -
Continue to borrow
against your line of
credit for 5 years, with
an additional 10 years
to repay. |
The interest on home equity
loans is tax deductible, within
certain limits. (For more
information, see your tax
advisor.)
Home Equity rates
Second Mortgage
● Up to 80% of the approved
value of your home minus your
first mortgage
Second Mortgage rates
FOR MORE INFO PLEASE VISIT
OTHER PRODUCTS AND SERVICES
● Direct Deposit
● Payroll Deduction
● Deposit by Mail
● Free Notary Service
● Member of
SUM Network
● Member of
MoneyPass Network
● Finance with the Credit Union
and purchase a car with
Enterprise Car Sales.
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VISA
Credit Card information
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