All Point Breeze Credit Union offices will be closed on Thursday, November 22, 2018 for Thanksgiving Day. Enjoy easy access to your accounts via Online Banking, Mobile Banking and AUDRE (Phone Teller). View the full list of 2018 holidays here.

Auto and Truck Loan Rates

Product APR as low as Maximum Term
(in months)
Monthly Payment (per $1,000) Minimum Loan Amount
New Auto or Truck 2.99% 60 $17.97 None
New Auto or Truck 3.99% 72 $15.64 None
Used Auto or Truck 2.99% 60 $17.97 None
Used Auto or Truck 3.99% 72 $15.64 None
APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Rates shown are the lowest available for all the terms indicated and reflect the discount for payroll deduction of loan payments. Actual rate may vary based on the term, loan amount and your credit history. Vehicles older than 10 years are subject to approval and may not qualify for the promotional rate. Maximum term is based on the amount borrowed. Other terms may be available. Excludes current Point Breeze loans.

Motorcycle, Boat and RV Loan Rates

Product APR as low as Maximum Term
(in months)
Monthly Payment (per $1,000) Minimum Loan Amount
New Motorcycle/Boat/RV 4.24% 60 $18.53 None
New Motorcycle/Boat/RV 4.75% 72 $15.99 None
Used Motorcycle/Boat/RV 4.24% 36 $29.63 None
Used Motorcycle/Boat/RV 4.24% 60 $18.53 $5,000
APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Rates shown are the lowest available for all the terms indicated and reflect the discount for payroll deduction of loan payments. Actual rate may vary based on the term, loan amount and your credit history. Maximum term is based on the amount borrowed. Other terms may be available. Excludes current Point Breeze loans.

Mortgage Rates

Product APR as low as Points Monthly Payment (per $1,000)
5 Year Fixed 3.375% None $18.14
10 Year Fixed 4.250% None $10.24
15 Year Fixed 4.625% None $7.71
20 Year Fixed 4.875% None $6.53
30 Year Fixed 5.125% None $5.44
5/1 Adjustable Rate Intro 3.125% None --
APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Rates shown are the lowest rates available for loans up to $453,100. Actual rate may vary based on the term, loan amount or other factors. Jumbo mortgages are also available. Payment examples shown do not include taxes or insurance, if applicable. Minimum down payment is 3-10%. Speak with a representative about closing costs.

Home Equity Loan Rates

Product APR as low as Points Monthly Payment (per $1,000)
5 Year Fixed 4.49% None $18.64
10 Year Fixed 4.99% None $10.60
15 Year Fixed 5.25% None $8.04
20 Year Fixed 6.50% None $7.46
Standard Line of Credit (introductory rate) 0.99% None --
Interest Only Line of Credit (introductory rate) 0.99% None --
APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Home Equity Loan: Borrow up to 100% Loan-to-Value or $250,000 maximum. Standard Line of Credit: 10-year draw, 10-year payback. The APR in effect after the expiration of the introductory rate is based on the value of an index. The index is the Prime Rate and is published in the Wall Street Journal. The introductory rate is for the first 6 months, after which the rate will adjust to the Prime Rate with a floor of 5.25% APR. Thereafter the rate will adjust annually on the anniversary date of the loan to the Prime Rate. Rate ceiling is 10.25% APR. Minimum loan amount is $7,500. Borrow up to 80% Loan-to-Value or $250,000 maximum. For every $1,000 borrowed at .99% APR your payment will be $7.75 monthly with a minimum monthly payment of $100. For every $1,000 borrowed at the current rate of 5.25% APR your payment will be $11.25 monthly with a minimum monthly payment of $100. Interest Only Line of Credit: 10-year draw, 10-year payback. The APR in effect after the expiration of the introductory rate is based on the value of an index. The index is the Prime Rate and is published in the Wall Street Journal. The introductory rate is for the first 6 months, after which the rate will adjust to the Prime Rate with a floor of 5.25% APR. Thereafter the rate will adjust annually on the anniversary date of the loan to the Prime Rate. Rate ceiling is 10.25% APR. You may choose to pay only the interest on the money you borrow for 10 years from the date the loan is established (draw period). Minimum payment will not repay principal, which will result in your payment increasing at the end of the 10-year draw period. Minimum loan amount is $7,500. Borrow up to 80% Loan-to-Value or $250,000 maximum. For every $1,000 borrowed at .99% APR your payment will be $0.81 monthly if you choose to pay only the interest. For every $1,000 borrowed at the current rate of 5.25% APR your payment will be $4.31 monthly if you choose to pay only the interest. Excludes current Point Breeze loans. Consult with your financial advisor about potential tax savings. Please speak with a Point Breeze loan officer for more information.

Visa® Credit Card Rate

Product APR as low as Annual Fee
Point Breeze Visa® Credit Card 9.95% None
APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates are subject to change without notice. Rate shown is the lowest rate available. Actual rate may vary based on your credit history. Lowest rate available is the floor rate. See application for full disclosure.

Signature (Unsecured) Loan Rate

Product APR as low as Maximum Term
(in months)
Monthly Payment (per $1,000) Maximum Loan Amount
Signature (Unsecured) 9.95% 60 $21.23 $10,000
APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Rate shown is the lowest rate available. Actual rate may vary based on the term, loan amount, your credit history and other factors. Other terms may be available.

Share (Savings) Secured Loan Rate

Product APR as low as Maximum Term
(in months)
Monthly Payment (per $1,000) Maximum Loan Amount
Share (Savings) Secured 5.00% 120 $10.61 $100,000
APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Rate shown is the lowest rate available. Actual rate may vary based on the term, loan amount, your credit history and other factors. Other terms may be available.

Home Improvement Loan Rate

Product APR as low as Maximum Term
(in months)
Monthly Payment (per $1,000) Maximum Loan Amount
Home Improvement 7.75% 60 $20.16 $7,500
APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Rate shown is the lowest rate available. Actual rate may vary based on the term, loan amount, your credit history and other factors. Other terms may be available. Must meet certain qualifications and funds may be used for home improvements only. Contact us for details.
 

Savings Rates

Product APR APY Compounded & Credited Minimum Balance
Share/Savings .35% .35% Quarterly $5
Holiday Club .35% .35% Quarterly $10
APR=Annual Percentage Rate. APY=Annual Percentage Yield. Rates are subject to change without notice and may change after the account is opened. Minimum balance indicated reflects the minimum to open the account. APY is accurate as of the last dividend declaration.

Interest Checking Rate

Product APR APY Compounded & Credited Minimum Balance
Interest Checking .25% .25% Monthly $0
APR=Annual Percentage Rate. APY=Annual Percentage Yield. Rates are subject to change without notice and may change after the account is opened. APY is accurate as of the last dividend declaration.

Individual Retirement Account Rate

Product APR APY Compounded & Credited Minimum Balance
Individual Retirement (IRA) .50% .50% Quarterly $10
APR=Annual Percentage Rate. APY=Annual Percentage Yield. Rates are subject to change without notice and may change after the account is opened. Minimum balance indicated reflects the minimum to open the account. APY is accurate as of the last dividend declaration. Early withdrawal penalties may apply. Consult with your tax advisor about potential tax savings.

Certificate of Deposit Rates

Product APR APY Compounded & Credited Minimum Balance
6 Month Standard CD 0.99% 1.00% Monthly $500
12 Month Standard CD 1.48% 1.50% Monthly $500
24 Month Standard CD 1.73% 1.75% Monthly $500
36 Month Standard CD 1.98% 2.00% Monthly $500
6 Month Jumbo CD 0.99% 1.00% Monthly $10,000
12 Month Jumbo CD 1.48% 1.50% Monthly $10,000
24 Month Jumbo CD 1.73% 1.75% Monthly $10,000
36 Month Jumbo CD 1.98% 2.00% Monthly $10,000
APR=Annual Percentage Rate. APY=Annual Percentage Yield. Rates are subject to change without notice and may change after the account is opened. Minimum balance indicated reflects the minimum to open the account. APY assumes principal and interest remain on deposit for the full term at the quoted rate. Early withdrawal penalties may apply if any portion of the principal is withdrawn prior to maturity. Interest earned may be withdrawn at any time without penalty. APY is accurate as of the last dividend declaration.
 
 View our fee schedule by clicking here.