Rates

Loan Rates

Loan Term	APR*
7 - 72 months as low as	2.99%*
73 - 78 months as low as	4.45%
79 - 84 months as low as	5.15%

Used Vehicles

Loan Term	APR*
7 - 72 months as low as	2.99%*
73 - 78 months as low as	4.85%
79 - 84 months as low as	5.60%

Personal

Loan Term	APR*
24 months as low as	9.90%
36 months as low as	10.90%
48 months as low as	12.00%
60 months as low as	12.50%

Personal Line of Credit

Loan Term	APR*
Revolving	13.75%

New Recreational Vehicles

Loan Term	APR*
up to 60 months as low as	5.75%
61 - 72 months as low as	6.00%
73 - 84 months as low as	6.25%
85 - 120 months as low as	6.50%
121 - 144 months as low as	6.75%
145 - 180 months as low as	7.00%

Used Recreational Vehicles

Loan Term	APR*
60 months as low as	6.25%
61 - 72 months as low as	6.50%
73 - 84 months as low as	6.75%
85 - 120 months as low as	7.00%
121 - 144 months as low as	7.25%
145 - 180 months as low as	7.50%

New Motorcycles

Loan Term	APR*
7 - 36 months as low as	5.75%
48 months as low as	6.50%
60 months as low as	7.00%
72 months as low as	7.75%
84 months as low as	8.75%

Used Motorcycles

Loan Term	APR*
7 - 36 months as low as	6.25%
48 months as low as	7.00%
60 months as low as	7.50%
72 months as low as	8.25%
84 months as low as	9.25%

New & Used Motorsport

Loan Term	APR*
7 - 36 months as low as	8.25%
48 months as low as	9.00%
60 months as low as	9.50%
72 months as low as	10.25%

Share and Term Share Secured Loans

Share Secured and Term Share Certificate secured up to 60 months, up to 100% of Pima Federal account/certificate balance. The Annual Percentage Rate is the current dividend rate plus 2.50%.

Funds in IRA's, demand accounts, such as draft accounts, and funds subject to check holds may not be pledged to secure loans.

Home Loan & Home Equity Line of Credit

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Rates may change after the account is opened. *APR includes a .25% automatic payment reduction. APR will increase by .25% if an automatic payment is not initiated. Payment reflects 45 days to 1st payment. 90 days to 1st payment may be available upon request.

Important Information: A complete Truth-In-Lending disclosure will be given at the time of application. Rates displayed are Annual Percentage Rates. Rates start as low as the above published rates, and are based upon applicant credit evaluation, as determined by applicant's credit history and other factors.

Deposit Rates

Checking & Regular Share Accounts

Account Type	Min. Balance	APY*
CareFREE Plus Checking	$0	0.50%
Regular Savings	$5	0.05%
Holiday Savings	$0	0.05%
Special Savings	$0	0.05%
Youth Savings	$5 - $999.99	3.00%
Youth Savings	$1,000 and over	0.05%

Money Market Accounts

Min. Balance	APY
$1,000 - $4,999.99	0.25%
$5,000 - $9,999.99	0.30%
$10,000 - $24,999.99	0.50%
$25,000 - $49,999.99	0.50%
$50,000 - $74,999.99	0.60%
$75,000 - $99,999.99	0.60%
$100,000 - $249,999.99	0.85%
$250,000 and above	1.25%

Individual Retirement Account (IRA)

Min. Balance	APY*
$0.01 - $4,999.99	0.30%
$5,000 - $9,999.99	0.35%
$10,000 - $24,999.99	0.55%
$25,000 - $49,999.99	0.55%
$50,000 - $74,999.99	0.65%
$75,000 - $99,000.99	0.65%
$100,000 - $249,999.99	0.90%
$250,000 and over	1.30%

Term Share Certificates

Term	Min. Balance	APY*
6 months	$250	1.25%
12 months	$250	1.50%
18 months	$250	1.55%
24 months	$250	1.75%
30 months	$250	1.85%
36 months	$250	2.00%
48 months	$250	2.00%
60 months	$250	2.00%

**APY, term, and conditions are accurate as of 10/1/2019 and are subject to change without notice. Going below minimum value will reduce earnings. Penalties will be imposed for early withdrawal. Must qualify for membership with Pima Federal and have a minimum of $5 in a regular share account. Eligibility requirements may apply. Pima Federal does not provide tax or legal advice. Please consult with your tax and legal advisors to determine how this information may impact your own situation.

IRA Term Share Certificates

Term	Min. Balance	APY*
6 months	$250	1.35%
12 months	$250	1.60%
18 months	$250	1.65%
24 months	$250	1.85%
30 months	$250	1.95%
36 months	$250	2.10%
48 months	$250	2.10%
60 months	$250	2.10%

Rates current as of October 1, 2019.

Rates may change after the account is opened. Fees and other conditions could reduce the earnings on the account.

*APR = Annual Percentage Rate. Promotional rates can range from 2.99% - 7.99% APR and are based on creditworthiness and a max loan term of 72 months. APR presented is based on a credit score of at least 730 and includes a .25% APR reduction for loans set up with automatic payments. Promotional rates will be increased by .25% if automatic payment method is declined. Example: With a 72-month term, a $25,000 auto loan at 2.99% APR with 60 days to first payment, you would make payments of $380.67 each month. Promotional rates apply to both purchases and refinances. This offer does not apply to refinancing existing Pima Federal loans. 60 days no payment option will extend your loan by two (2) months, and finance charges will accrue on unpaid principal. The member is responsible for paying all fees associated with the loan, including title and lien fees. Other rates and terms are available. Restrictions may apply. Membership eligibility and share account with minimum deposit of $5.00 are required. Promotional rates are valid through December 31, 2019.

*APY= Annual Percentage Yield. The Dividend Rate and Annual Percentage Yield may change monthly as determined by the credit union’s Board of Directors. The Annual Percentage Yield is based on an assumption that the dividends will be credited to the account monthly and will remain in the account. Rate Information: The Dividend Rate or Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Term Share Certificate and IRA Term Share Certificate Accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. Regular Term Share Certificate and IRA Term Share Certificate Accounts require a minimum opening deposit of $250.00. Regular Share Accounts and Youth Savings Accounts require a minimum opening deposit of $5.00. For CareFree Plus Checking accounts, there is a minimum, aggregate, monthly direct deposit amount of $1,000.00 and current enrollment in e-statements is required to earn the annual percentage yield disclosed for the dividend period. If the aggregate, minimum direct deposit amount is not met or you are not enrolled in e-statements, you will not earn the annual percentage yield stated in the Rate Schedule. Please refer to the separate disclosures included in your membership packet for other account terms and fees. The rates appearing in this Rate Schedule are accurate and effective for deposit accounts for the month indicated above. This schedule is incorporated as part of your account disclosures with Pima Federal Credit Union. The Annual Percentage Yield is based on an assumption that the dividends will remain on deposit until maturity. A Withdrawal of dividends paid will reduce earnings.

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