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Loan & Deposit Rates


Loan Rates

Loan Term APR*
7 - 48 months as low as 5.74%
49 - 60 months as low as
5.99%
61 - 72 months as low as
6.49%
73 - 84 months as low as 7.49%

Loan Term APR*
24 months as low as 10.24%
36 months as low as
11.49%
48 months as low as
11.99%
60 months as low as
13.49%

Loan Term APR*
Revolving 13.75%
Loan Term APR*
up to 84 months as low as 7.44%
85 - 144 months as low as  7.94%
145 - 180 months as low as 8.44%
7 - 36 months as low as 7.25%
48 months as low as
8.00%
60 months as low as
8.50%
72 months as low as
9.25%
Loan Term APR*
7 - 36 months as low as 7.75%
48 months as low as
8.50%
60 months as low as 9.00%
72 months as low as
9.75%

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. 

*APR = Annual Percentage Rate. 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. 
 
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.

Consumer & Business Deposit Rates

Account Type Min. Balance APY*
Regular Savings $5 0.03%
Holiday Savings $0 0.03%
Special Savings $0 0.03%
Youth Savings $5 - $999.99 3.00%
Youth Savings $1,000 and over 0.03%
CareFREE Plus Checking $0 - $1,000
2.50%
CareFREE Plus Checking $1,000.01 and over
0.50%
Business Checking $0
(average monthly balance of $2,500 required to receive monthly dividend payment)
0.50%
Min. Balance APY*

$1,000 - $9,999.99

0.20%

$10,000 - $49,999.99

0.50%

$50,000 - $74,999.99

0.65%

$75,000 - $99,999.99

0.75%

$100,000 - $249,999.99

1.30%

$250,000 and over

1.75%
Min. Balance APY*

$0.01 - $4,999.99

0.20%

$5,000 - $9,999.99

0.20%

$10,000 - $49,999.99

0.50%

$50,000 - $74,999.99

0.65%

$75,000 - $99,000.99

0.75%

$100,000 - $249,999.99

1.30%

$250,000 and over

1.75%
Term Min. Balance APY*
6 months $250 2.25%
12 months $250 
2.75%
18 months
$250 
2.75%
24 months
$250 
3.75%
30 months
$250 
3.75%
36 months
$250 
3.75%
48 months
$250 
3.25%
60 months
$250 
3.00%

Term Min. Balance APY*
6 months $250 2.25%
12 months
$250 
2.75%
18 months
$250 
2.75%
24 months
$250 
3.75%
30 months
$250 
3.75%
36 months
$250 
3.75%
48 months
$250 
3.25%
60 months $250 3.00%

Min. Balance APY
$1,000 - $9,999.99 0.20%

$10,000 - $49,999.99

0.50%

$50,000 - $74,999.99

0.65%

$75,000 - $99,999.99

0.75%

$100,000 - $249,999.99

1.30%

$250,000 and above

1.75%
Min. Balance APY
$1,000 - $9,999.99 0.30%

$10,000 - $49,999.99

0.60%

$50,000 - $74,999.99

0.75%

$75,000 - $99,999.99

0.85%

$100,000 - $249,999.99

1.40%

$250,000 and above

1.85%

Rates current as of December 1, 2022.

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

*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 deposit amount of $1,000.00 (internal transfer deposits and dividend deposits are excluded from the aggregate monthly deposit calculation) and current enrollment in e-statements is required to earn the annual percentage yield disclosed for the dividend period. If the aggregate, minimum 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.