Every time you save or borrow a dollar at Pacific Spruce Federal Credit Union, interest rates play an important role. In other words, we'll pay you for your savings, and provide you with an affordable loan that helps us pay dividends and provides additional products and services to members everywhere. After all, cooperation is what credit unions are all about.

Savings Rates
Effective December 8, 2020
Rates are subject to changes without notice


Account Type Rate APY*
Regular Share (Savings) 0.025% 0.025%
Share Draft (Checking) 0.00% 0.00%
Club Accounts 0.025% 0.025%
Money Market    
  $0.00 to $999.99 0.00% 0.00%
  $1,000.00 to $4,999.99 0.025% 0.025%
  $5,000.00 to $9,999.99 0.04% 0.04%
  $10,000.00 to $24,999.99 0.075% 0.075%
  $25,000.00 to $49,999.99 0.125% 0.125%
  $50,000.00 to $99.999.99 0.15% 0.15%
  $100,000.00 and above 0.175% 0.175%
* APY = Annual Percentage Yield


Loan Rates
Effective March 10, 2020
Rates are subject to changes without notice

VISIT OUR PAYDAY LOANS and CASH ADVANCE LOANS NEAR ME FOR CURRENT LOAN SPECIALS!

Loan Type Term (up to) APR*
Share Secured -- 3.00% above dividend rate
New Vehicles 60 Months 3.25%
New Vehicles 84 Months 3.75% and up
Used Vehicles 60 Months 3.25% and up
RV & Campers 60 Months 5.25% and up
Boats 60 Months 5.50% and up
Motorcycles 60 Months 5.25% and up
Personal Loans 60 Months 10.00% and up
* APR = Annual Percentage Rate. Visit our home page for current loan specials!