Rates & Fees
Current Rates & Fees
Transparent pricing to help you make informed financial decisions.
| Product / Service | Rate / Fee | Details |
|---|---|---|
| High‑Yield Savings APY | 4.50% | Compounded daily, paid monthly. |
| Standard Checking APY | 0.05% | No minimum balance. |
| Premier Checking APY | 0.75% | Requires \$25,000 minimum balance. |
| Domestic Wire Transfer Fee | \$25 | Per outgoing wire. |
| International Wire Transfer Fee | \$45 | Per outgoing wire. |
| ATM Withdrawal Fee (Non‑PCTB ATM) | \$3 | Per withdrawal outside our network. |
| Personal Loan APR | 5.99% – 13.99% | Varies by credit score and term. |
| Auto Loan APR | 3.49% – 6.49% | New car financing, terms up to 72 months. |
| 30‑Year Fixed Mortgage | 6.10% | APR 6.25%, 0.75 point. |
| 15‑Year Fixed Mortgage | 5.50% | APR 5.65%, 0.75 point. |