Panhandle Educators Federal Credit Union Serving Bay, Holmes, Jackson and Washington Counties of NW FL

Login to Online Banking »

Rates & Fees

Certificate Rates, Consumer Loan Rates and Fees:
Rates Effective June 28, 2017
Certificate Rates
 
Annual Percentage Rate
Yields
 
IRA Accumulation
(effective 07-01-12)
0.349%
0.35%
 
(Savings) Shares
(effective 08-01-15)
0.10%
0.10%

if ADB over $100

Club Accounts
0.10%
0.10%
 

Money Market Accounts
(**effective 07-01-2017)

0.10%
0.10% 
 
0.20% 0.20% ** balance $10,000 – $24,999
0.20% 0.20% ** balance $25,000 – $49,999
0.20% 0.20% ** balance $50,000 & over
Share and IRA Certificates
Terms
Annual Percentage Rate
Annual Percentage Yield
 90 days  0.20%                     0.20%
6 month
0.349%
0.35%
12 month
0.598%
0.60%
24 month
0.847%
0.85%
36 month
0.995%
1.00%
48 month
1.045%
1.05%
60 month
1.193%
1.20%

 

Penalty for Early Withdrawal:

12 months or less = 90 days’ dividends

24 months or more = 180 days’ dividends


For MORTGAGE Rates contact us at (850) 769-3306.

Panhandle Educators Federal Credit Union rates are determined by an evaluation of your credit. The rates listed below are subject to change without notice. Payments can be automatically deducted through payroll deduction, or on-line at Panhandle Educators’ Virtual Branch. Late Charges: For each scheduled payment, late 10 days or more, you will be assessed a charge of 5.00% of the amount of the scheduled payment due with a minimum charge of $5.00

Loan Rates

(effective 01-01-16)

 

Loan Type

Terms

Annual Percentage Rate

AUTO LOANS for Brand New Autos
Model Year
2016 – 2017

36 months

1.75% – 16.45%

 

48 months

2.00% – 16.70%

 

60 months

2.50% – 17.20%

 

72 months

3.00% – 17.70%

     

AUTO LOANS
Model Year
2013 – 2017

36 months

2.00% – 16.70%

 

48 months

2.25% – 16.95%

 

60 months

2.75% – 17.45%

 

72 months

3.25% – 17.95%

     

Model Year
2008 – 2012

 

3.75% – 18.00%

     

BOATS

 

2.80 – 18.00%

     

MOTORCYCLES

 

2.80 – 18.00%

     

RECREATIONAL VEHICLES

 

2.80 – 18.00%

     

SIGNATURE

   

First Chance

 

12.90%

Line of Credit

 

7.95% – 18.00%

Personal Signature

 

7.95% – 18.00%

     

Overdraft Protection
($100 increments)

 

14.5%

 
VISA
   
Classic
 
11.5%
Platinum
 
9.9%
 

CREDIT BUILDER

 

14.90%

     

SIGNATURE & COLLATERAL COMBINATION

 Vehicles over 10 years old    

less than $5,000

36 months

5.30% to 18.00%

$5,000 to $10,000

48 months

5.80% to 18.00%

greater than $10,000

60 months

6.30% to 18.00%

 

 

FEE SCHEDULE

 (effective 03-01-16)
The rates and fees in this schedule are accurate and apply to deposit accounts as of the effective date indicated. If you have any questions or require additional information on your accounts, please call a Member Services Representative at 769-3306.

Share Account Fees

Membership Share Par Value $5.00
Account Closure $25.00

(Closing account within six (6) months of opening)

 

Share Draft Account Fees

NSF $25.00 per item
Overdraft/Transfer Fee $3.00 per occurrence
Stop Payment $20.00 per request
Share Draft Printing Prices Vary
Temporary Checks $2.00 per book of 8
Copy of Paid Draft $5.00 per draft
Reopen Negative Checking $25.00
Returned Draft – Deposited item Returned $10.00 per draft
Returned Draft – for loan payment or same maker $30.00 per draft
Courtesy Pay*

$25.00 per item

 

Electronic Funds/Miscellaneous Fees

Account to Account (A2A) – outbound $2.00 per item
ATM/Check Card Overdraft $25.00 per occurrence
Bill Pay – Overnight Check $14.95
Bill Pay – Same Day Bill Payment $9.95
Check Card Stop Payment (add or delete) $30.00 per request
Excessive Foreign**ATM Withdrawal $1.00 per withdrawal after
the 4 per month for FREE
Gift Cards $5.00
Prepaid Cards $9.95
     Reload Prepaid Card Fee $4.95
Home Banking Loan Payment Error $10.00
Popmoney E-greeting $.25 per item
Popmoney – Stop Payment $20.00 per item
Popmoney – Send/Request Money:  
                  for $1.00 – $999.99  (3 day delivery) .99
                  for $1.00 – $99.99  (next day) $1.99
                  for 1,000 & up  (3 day delivery)                       $1.99
                  for $1,000.00 & up  (next day) $2.99

 

Replacement Check Card or Credit Card

$10.00 per card
   
Replace Lost PIN

$5.00 per PIN (if mailed)

PIN – Rush Order $42.00 per PIN
Sales Draft Copy $5.00 per order
Overnight Rush Order Cost Direct
ATM Photo Verification Cost Direct
Safe Deposit Lock Change Cost Direct
Safe Deposit Drilling Cost Direct
Safe Deposit Lost Key $25.00
Zipper Bags $10.00
Zipper Locking Bags $20.00
*Fee applies when overdraft is created by check, in-person withdrawal, ATM withdrawal or other electronic means. **If account balance is below $100 (except for Looney Tunes Accounts).

 

All Other Service Fees

Account Reconciliation/Research $15.00 per hour
   
ACH Origination $10.00 per item
Check Cashing (if less than $100 in savings with no other account relationship) $10.00 per check

Close IRA Fee

Convenience Fee (phone cash advances)

Death Claim Admin. Fee

$25.00

$2.00 ea.

$25.00

Deposited Item Return $10.00 per item
Dormant Fee (if acct balance is below $100/except for Looney Tunes Accts) $5.00 per month
Excessive Money Market Withdrawal – (Over 6) $25.00
Fax Transmission $2.00 per page
Foreign ACH Transaction $1.00 per item
Foreign Check Collection Fee $10.00 per check plus costs

Foreign Currency

Invalid Address

Legal Processing Fee

$15.00 (min. of $300.00)

$5.00 per month

$25.00 per item

Levy and/or Garnishment Fee $50.00 per item
Loan Documents $5.00 per item
Loose Coin 5% over $10.00
Money Order $2.00 per money order

Notary/SIG Guarantee

Official Check

$1.00 per page (Excludes “My Choice” Checking)

$3.00 per check

Official Check for Non-Member

PAT

$15.00 per check

$1.00 per transaction (after 10 free per month)

Photocopy 10¢ per page
Returned ACH/Draft – NSF $25.00 per item
Returned ACH Origination $25.00 per item
Returned Item (Loan Payment) $30.00 per item
Returned Item (other institution/same maker) $30.00 per item
   
Safe Deposit Boxes:  
     3×5 $20.00 per year
     5×5 $30.00 per year
     3×10 $35.00 per year
     5×10 $45.00 per year

     10×10

Statement Mailing Fee

$85.00 per year

$2.00 per statement

Statement Copy $1.00 per page
Transaction History $1.00 per page
Transfer Loans to different account $15.00 per item
Traveler’s Checks $2.00 per $100.00
   
VISA® Copy Request $5.00 per copy
Wire Transfer (Incoming)                          $5.00 per transfer
Wire Transfer (Outgoing Domestic) $20.00 per transfer
Wire Transfer (International) $45.00 per transfer

 

Continue No