Pensacola Government Federal Credit Union : http://wwwpgfcu.com
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Loans    Rate  APR* Term

Calculator

NEW & USED Vehicles beginning @

 

3.88

 

3.88

 

n/a

 

Calculator 

 

NEW & USED  Boats, RV's & Motorcycles beginning @

6.88

6.88

 n/a

  Calculator 

New Start "Auto Loan Program" 
                    Credit Builder loans are for new or little credit.

13.90 13.90 n/a

Calculator 

Furniture, Appliances, Computers, TV's, ATV's  Special Purchase Loans up to $10,000 Beginning @  

9.99 9.99 n/a Calculator
Health & Wellness beginning @ 9.90 9.90 n/a Calculator

Hurricane Readiness Loan @

9.90 9.90 n/a Calculator
Dream Wedding Loan beginning @ 11.90 11.90 n/a Calculator
Lawn & Garden up to $10,000 beginning @ 11.90 11.90 n/a Calculator
Line of Credit/ Overdraft Protection Loan   beginning @ 10.90 10.90 n/a Calculator
Personal Signature Loan 16.90 16.90 n/a Calculator

Credit Builder Loan

18.00 18.00 n/a Calculator
Guarantor (Cosigner) Loan 16.90 16.90 n/a Calculator
Credit Card- VISA Classic (1) 13.88 13.88 n/a Calculator
Credit Card- VISA Platinum (1) 9.90 9.90 n/a  Calculator
Share Secured Loan 5.00 5.00 60 Calculator
Share Secured Loan 6.00 6.00 120 Calculator
Share Certificate Secured Loan (Share Certificate Rate +3%)    0.00 60  Calculator
Share Certificate Secured Loan (Share Certificate Rate +4%)     0.00 120  Calculator

Mortgages                                                          

       
LOAN SPECIAL
Home Equity (Closed End)  up to $50,000. with  *No Closing cost. Call credit union for details.
3.95% 3.95% 36 Calculator
LOAN SPECIAL
Home Equity (Closed End) up to $50,000. with  *No Closing cost. Call credit union for details.
4.95% 4.95% 60 Calculator
LOAN SPECIAL
Home Equity (Closed End) up to $50,000. with  *No Closing cost. *Call credit union for details. (Rates Subject to Change)
5.95% 5.95% 120 Calculator
Mortgages                                                          
Mortgage- First Mortgage (Residential)

*call for current rates and terms

 
Home Equity Line of Credit Variable Rate

*call for current rates and terms

 

Loan rate eligibility is based on credit worthiness and income/ employment history. Please contact a loan officer for qualification. Rates are subject to change without notice. Terms may vary on loan amount requested. Some restrictions may apply.

(1)There are costs associated with the use of a VISA Classic and VISA Platinum  credit card. To obtain information about these cost, call us at (850) 432-9939 or toll free (888) 432-9939 or you may write us at 108 South Reus Street, Pensacola, Fl 32502 to request a disclosure.

Loan terms are displayed in months.
*APR= Annual Percentage Rate
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The Credit Union Board of Directors determines regular share and share draft rates. The dividend rate and annual percentage yield may change every month based on the earnings of the credit union. All accounts except term share accounts are variable rate accounts adjusting monthly.  Dividends are posted quarterly except for Christmas Club Account which post monthly.

As of 01-01-2012

Savings Dividend Rate APY* Term
Primary (Savings) Share Account 0.45 0.45 n/a
Special (Savings) Share Accounts 0.45 0.45 n/a
Christmas Club Account 0.45 0.45 n/a
Saving Safari Account for Kids 0.45 0.45 n/a
*APY= Annual Percentage Yield
Minimum balance in share account to earn dividends is $100.00.
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Certificates

 APY*

Dividend Rate

Term
Share Certificate Account - 6 months 0.50 0.50 6
Share Certificate Account - 12 months 0.65 0.65 12
Share Certificate Account - 18 months

0.90

0.90 18
Share Certificate Account - 24 months 1.21 1.20 24
Share Certificate- 24 months Opportunity (One Time Step-up) # 1.21

1.20

24
Share Certificate Account - 36 months 1.36 1.35 36
Share Certificate Account - 48 months 1.65 1.64 48
Share Certificate Account- 60 months 1.90 1.89 60
IRA - Passbook 0.45 0.45 n/a
IRA - 12 Month Share Certificate   0.65 0.65 12
IRA - 18 Month Share Certificate 0.90 0.90 18
IRA - 24 Month Step-Up Share Certificate# 1.21 1.20 24
IRA - 48 Month Share Certificate 1.65 1.64 48
IRA- 60 Month Share Certificate 1.90 1.89 60

*APY= Annual Percentage Yield
Minimum balance to open a share certificate is $1,000.00.  A penalty may be imposed on share certificates if funds are withdrawn before the maturity date.

Members can convert their share certificate rate to a higher rate once during the original life of the certificate without a penalty provided that the certificate is renewed for 24 months and the balance of the new certificate is equal to or greater than the opening balance of the original certificate.  Rate change option expires on the first maturity date of the share certificate.
IRA passbook accounts are variable rate accounts.
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