Rates

Rates as of March 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

TYPES OF LOAN Terms Annual Percentage Rate (APR)
New or Used Auto Loans
Boats, Motorcycles &
Recreational Vehicles
24 mos.
100% financing
as low as 1.29%
36 mos.
100% financing

as low as
1.49%

48-60 mos.
100% financing
as low as
1.99%
 72 mos.
100% financing
as low as
2.99%
 84 mos.
100 % financing
as low as
4.49%
     
Fixed Rate Home Equity Loan
(Second Trust Mortgage)
60 months 6.00%
120 months 7.25%
180 months 8.25%
     
Share & TSA Secured Loans Up to 120 mos. repayment 2.00% above
dividend rate
                          
Personal/Signature Loans
1 year or less
13 - 24 months
25 - 36 months
37 - 48 months 
49 - 60 months
61 - 72 months
72 - 84 months
85 - 96 months
as low as
4.00%
4.50%
5.00%
5.50%
6.00%
6.50%
7.00%
7.50%
         
Checking Account Overdraft Protection Open-end 12.00%

 

     
MasterCard Platinum Open-end 7.50%
 Click HERE for a loan payment example calculator
Please call the Credit Union for further Loan options!

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

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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 3.1.2014

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