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   PSC/CUNY Rates

Rates and yields effective as of February 1, 2006 and subject to change without notice.

Savings/Investment Rates

Daily Money Manangement Account**
Amount Nominal Rate/Annual
Percentage Yield*		 Compounding
$25 to $9,999 1.49/1.50 Quarterly
Over $10,000 1.99/2.00 Quarterly


Share Draft (Checking) Account**
Amount Nominal Rate/Annual
Percentage Yield*		 Compounding
$25 Or More .25/.25 Quarterly


Certificates
Term Minimum To Open Nominal Rate APY* Compounding
6-Month $2,500 1.99 2.00 Simple
1-Year $500 2.72 2.75 Quarterly
2-Year $500 3.21 3.25 Quarterly
3-Year $500 3.94 4.00 Quarterly


IRA Variable Savings Account - see Daily Money Management Account above.


IRA Certificates ($500 minimum to open for all terms)
(Traditional, Roth & Education IRAs are available)
(Term Nominal Rate APY* Compounding)
Term Nominal Rate APY* Compounding
1-Year 2.92 2.95 Quarterly
2-Year 3.70 3.75 Quarterly
3-Year 4.18 4.25 Quarterly
4-Year 4.23 4.50 Quarterly
5-Year 4.67 4.75 Quarterly

Loan Rates

Type

 Maximum Amount Annual Percentage Rate Maximum Term***
Visa Credit Card*****
Visa Gold		 $30,000
 9.99%

8.99%		 Open-Ended/Variable
VISA Fixed   10.24%  
Personal Loan $45,000 as low as 10.00% Fixed 6-Years
Pass Book Loan Balance in account less one share 5.50
6.50		 3-Years
5-Years

New & Used Car Loan

 

 100% of Cost as low as 4.75% 3-Years ***
Other terms available
Educational Loan Up to $15,000 7.00%
8.00%		 1-Years
2-Years
Revolving & Overdraft Loans $10,000 12.00% Open-Ended/Variable
Mortagage & Home Loans Call !! Call !! Call !!

Other Services:

Money Wired in USA $10 - Outside USA $30
US Savings Bonds & Postage Stamps, ATM/Debit Card- (STAR, Cirrus, MasterCard and others)
Online Bill Payment
Online Banking

Lost or stolen debit card - 1-800-523-4175. 
Lost or stolen Visa 1-800-453-4270
for International 727-570-4881.

 

*Dividends earned on Average Daily Balance for the quarter.
**Rate as of 12/31/04
***Check payment schedule for exact payment period.
****restrictions apply
*****First year max $7,500

all rates subject to change without prior notice

 
     

Service Enhancements: Get approved for services with lower rates or we will offer you a $50 gift card. Stop by any location and see a branch manager for details.
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