Current Rates

Personal Banking

Personal Banking

Although this page is updated periodically, rates may change with market conditions. Please contact our office at (715) 423-8100 for the most current rate information.

Annual Percentage Yield (APY) accurate as of 11/14/2017@8:30 am

Savings

Account Type Interest Rate APY
Statement Savings Account* ($50.00 minimum to open) .15% .15%
Kid$ Count Savings ($10.00 minimum to open) .20% .20%
Christmas Club ($5.00 minimum to open) .15% .15%

Money Market

Account Type Interest Rate APY
Money Market Deposit Account* .20% .20%
$10,000 Minimum .25% .25%
$25,000 Minimum .30% .30%
$50,000 Minimum .35% .35%
$100,000 Minimum .45% .45%

Checking

Platinum Checking* Interest Rate APY
$50 Minimum .05% .05%
$2,500 Minimum .10% .10%

* Rate subject to change after the account is opened. Fees could reduce earnings on the account.

 

CDs and IRAs

Investments

Annual Percentage Yield (APY) accurate as of 11/14/2017 @8:30 am and subject to change daily.

Certificates of Deposit

Term Minimum Deposit Interest Rate APY
91 Day $2,500.00 .25% .25%
6 Month $2,500.00 .35% .36%
6 Month $50,000.00 .40% .41%
12 Month $100.00 .45% .46%
18 Month $100.00 .50% .51 %.
24 Month $100.00 .75% .76%
30 Month $100.00 .80% .81%
36 Month $100.00 1.00% 1.02%

Deposits insured by FDIC. Penalties may be imposed for early withdrawal of funds from Certificate of Deposit Accounts.

Individual Retirement Accounts (IRA)

Traditional IRA

Certificate Interest Rate APY
12 Month Certificate .45% .46%
18 Month Certificate .50% .51%
24 Month Certificate .75% .76%
36 Month Certificate 1.00% 1.02%

Roth IRA

Certificate Interest Rate APY
12 Month Certificate .45% .46%
24 Month Certificate .75% .76%
36 Month Certificate 1.00% 1.02%

Education Savings

Certificate Interest Rate APY
12 Month Certificate .45% .46%
24 Month Certificate .75% .76%
36 Month Certificate 1.00% 1.02%

Deposits insured by FDIC. Penalties may be imposed for early withdrawal of funds from Certificate of Deposit Accounts.

 

Personal Loans

Consumer Loans

Annual percentage rates (APR) accurate as of 02/23/2017 @ 3:30 pm

New Vehicles (2017)

Maximum Term % Financed Rate1 Monthly Payment5/7
48 Months 100% 3.89% $22.53
60 Months 100% 4.04% $18.43
72 Months 100% 4.19% $15.73

Used Vehicles

Categories Maximum Term % Financed Rate1 Monthly Payment5/7
2016-2010 48 Months 100% 3.99% $22.57
  60 Months 100% 4.49% $18.64
2009-2007 36 Months 100% 5.37% $30.14
  48 Months 100% 5.92% $23.45

New Recreational Vehicles (2017)

Campers, Motorcycles, Snowmobiles, 4-Wheelers,Etc.

Maximum Term % Financed Rate1 Monthly Payment5/7
48 Months 90% 6.33% $23.64
60 Months 90% 6.58% $19.60
72 Months 90% 6.83% $16.97

Used Recreational Vehicles

Campers, Motorcycles, Snowmobiles, 4-Wheelers, Etc.

Categories Maximum Term % Financed Rate1 Monthly Payment5/7
2016-2010 48 Months 90% 6.54% $23.73
  60 Months 90% 6.74% $19.68
2009-2007 36 Months 90% 7.88% $31.28
  48 Months 90% 8.43% $24.62

Personal Loans

(non-revolving)

Maximum Term Rate1 APR Maximum Amount Monthly Payment5/7
24 Months 11.19% 11.19% $2,500.00 $46.70
36 Months 11.19% 11.19% $5,000.00 $32.83
48 Months 11.19% 11.19% $10,000.00 $25.94

Personal Line of Credit

(revolving)

Maximum Term Rate1/2 Maximum Amount Monthly Payment5/6
84 Months 11.75% $5,000.00 $17.52
84 Months 10.75% $10,000.00 $16.99

RATES & TERMS SUBJECT TO CHANGE AT ANY TIME (1) Rates apply to credit scores of 700 or higher, lower scores will result in higher rates. BOTH an Automatic Payment AND Payroll Direct Deposit, deduct .25% from rate. Direct Deposit to PCSA account must be in place prior to closing AND Automatic Payment from PCSA account must be set up at time of closing and remain in force for term of loan in order to qualify. PCSA Checking Account customers, deduct .25% from rate. Total of all applicable deductions not to exceed .50%. (2) Floor rate is 8.50%, Ceiling rate is 20.00%. (3) Add .50% if non-owner occupied. (4) Floor rate is 4.00%, Ceiling rate is 14.00%. (5) Monthly payment per $1,000. (6) $20.00 minimum monthly payments required. (7) Balloon payment option available to qualified borrowers with credit scores of 680 or greater.