Rates
Rates as of January 1, 2014
| Dividend Rate | Annual Percentage Yield (APY) | |
| REGULAR SHARE ACCOUNTS | 0.10% | 0.10% |
| IRA SHARE ACCOUNTS | 1.00% | 1.00% |
| CHECKING ACCOUNTS | 0.05% | 0.05% |
| Minimum balance to open account and earn stated annual percentage yield (APY): Regular Share Account $5, IRA Share Account $5, and Checking Accounts $25. Dividends are calculated on the average daily balance and paid monthly. Fees may reduce earnings. Rates subject to change without notice. |
Term Share Certificate Accounts
| TERM SHARE CERTIFICATE RATES | Term | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| $500 - $99,999 | 3 mos | .15% | .15% |
| 6 mos | .15% | .15% | |
| 9 mos | .20% | .20% | |
| 12 mos | .30% | .30% | |
| 24 mos | .40% | .40% | |
| 36 mos | .70% | .70% | |
| Bump Up Option | 36 mos | .60% | .60% |
| 48 mos | .95% | .95% | |
| Bump Up Option | 48 mos | .85% | .85% |
| 60 mos | 1.15% | 1.16% | |
| Bump Up Option | 60 mos | 1.05% | 1.06% |
| $100,000 or more / Jumbo | 3 mos | .25% | .25% |
| 6 mos | .25% | .25% | |
| 9 mos | .30% | .30% | |
| 12 mos | .40% | .40% | |
| 24 mos | .50% | .50% | |
| 36 mos | .80% | .80% | |
| Bump Up Option | 36 mos | .70% | .70% |
| 48 mos | 1.05% | 1.06% | |
| Bump Up Option | 48 mos | .95% | .95% |
| 60 mos | 1.25% | 1.26% | |
| Bump Up Option | 60 mos | 1.15% | 1.16% |
Rates subject to change without notice; for mortgage information click here
|
Minimum balance to open account and earn stated annual percentage yield (APY) is $500. Dividends are compounded and paid monthly. Fees may reduce earnings on the account. A 90-day dividend penalty may be imposed for withdrawals prior to maturity. |
Loan Rates
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APR=Annual Percentage Rate. All terms and conditions are subject to change without notice. Rates based on credit worthiness. Not all borrowers will qualify for the lowest loan rate. Your actual rate may vary and will be based on your loan amount, term and credit history. If you borrow $10,000 at 1.29% for 24 months, your monthly payment will be $422.30. Restrictions may apply.
For mortgage information click here .Variable rates are based on the Prime rate published in the Wall Street Journal (Index) and are subject to change quarterly.
2112 F St. N.W., Suite 201 Washington, D.C. 20037-2761
| Telebank 202-659-4517 | Phone 202-974-3453 |
| Fax: 202-659-4513 | E-mail fcu@pahowhofcu.org |
Schedule of Fees
| ACCOUNT SERVICES | |
| Non-Sufficient Fund (NSF) Returned Check / ACH/ATM (per item) | $30 |
| Returned Deposited Check (per item) | $20 |
| Stop Payment on Check / ACH (per item) |
$30 |
| Stop Payment on CU Official Check (per item) | $20 |
| ACH Transfer to a Financial Institution (a) | $5 per ACH |
| Special Savings Account Early Withdrawal | $5 |
| Check Copy (No Charge with Online Banking) | $5 |
| Copy of Account Statement | $10 per statement period |
| Credit Union Official Check to Member | $2 (amounts less than $500) |
| Credit Union Official Check Payable to Third Party | $5 |
| Money Order | $2 |
| Visa Gift Card | $4.95 |
| Check Printing (box of 150 checks) | Varies with style |
| ePay - Bill Payment | No charge |
| ePay - Bill Payment Inactivity Fee | $6.95 |
| WIRE TRANSFER SERVICES | |
| Domestic Wire Transfer | $25 |
| International Wire Transfer | $40 |
| Incoming International Wire Transfer by SWIFT code | $20 |
| Wire Transfer - Research/Verification | $10 per wire |
| OTHER SERVICES | |
| Foreign Check Collection (d) | $25 |
| Dormant/Inactive Account (e) | $5 per month |
| Account Research/Reconciliation | $25 per hour (minimum 1 hour) |
| Incorrect Address/Returned Mail | $5 per month |
| Levy/Lien/Garnishment Processing | $50 |
| Account Escheatment Processing | $30 |
| Account Verification/Loan Pay-Off Request by Creditor | $20 |
| Express Overnight Shipping | Varies |
| Notary Public | $2 for non-members |
| LOAN SERVICES | |
| Lien Processing (f) | $30 plus state costs |
| Lien Subordination | $200 |
| Mortgage Loan Modification (g) | $500 |
| Skip-a-Payment (h) | $30 per loan |
| DEBIT CARDS | |
| ATM Withdrawals - over 10 withdrawals per month (i) | $1.00 per transaction |
| ATM Balance Inquiries (j) | No Charge |
| Card Replacement | $15 |
| Card Replacement - Rush order | $25 |
| PIN Reorder | $5 |
| PIN Reorder - Rush order | $10 |
| Debit Card Charge Back or Disputed Transaction Found to be Member Authorized | $25 |
(a) Use ePay Bill Payment to initiate ACH Transfers at no charge
(b) Use eStatements or Online Banking to obtain account statements at no charge
(c) No Fee will be charged if at least one (1) bill is paid per month
(d) Additional fees may be charged by intermediary financial institution
(e) An account will be classified as dormant/inactive if no activity occurs for more than 12 months
(f) Additional charges may apply and vary by state
(g) Additional charges may apply
(h) Only one (1) Skip-A-Payment is allowed per loan, per year
(i) Unlimited withdrawals at no charge permitted at PAHO/WHO FCU ATMs. Additional transaction surcharge may also be charged by ATM owner.
(j) Fees may be imposed at Non-PAHO/WHO FCU ATMs
For information regarding MasterCard please refer to the Credit Card terms and conditions.
FEES SUBJECT TO CHANGE WITHOUT NOTICE.
Updated on 1.1.2014
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