Rates and Fees
At the Philadelphia Letter Carriers FCU, we offer some of the most attractive loan rates you'll find. Our savings account rates are some of the best in the industry. If you're currently doing business elsewhere, we invite you to compare your current rates with ours.
Rate Schedule
| Savings Rates |
Rate |
| Regular Shares |
.50% |
| Vacation Shares |
.25% |
| Christmas Shares |
.25% |
| *Minimum balance to earn dividend |
$ 100.00 |
| Share Certificates |
Rate |
| 3 Month CD |
.50% |
| 6 Month CD |
.75% |
| 9 Month CD |
.75% |
| 12 Month CD |
1.10% |
| **$2,000.00 minimum deposit |
| Personal Loans |
| As low as 8.00% |
| Automobile Loans |
| As low as 3.50% New or Used |
| First Mortgages |
| Rates change daily – Please refer to the Link |
Fee Schedule
| Share Draft Account Fees |
|
| Overdraft |
$25.00/Item |
| NSF |
$25.00/Item |
| Returned Item |
$25.00/Item |
| Stop Payment |
$20.00/Request |
| Other Service Fees |
|
| Item sent for Collection |
$25.00/Item |
| Account Reconciliation |
$25.00/Hour |
| Account Research |
$25.00/Hour |
| Statement Copy |
$1.00/Copy |
| Deposited Item Returned |
$25.00/Item |
| Legal Process |
$25.00 |
| Inactive Account |
$5.00/Month after 1 year |
| Dormant Account |
$10.00/Month after 2 years |
| Photocopy |
$1.00/Fax |
| Fax (Incoming or Outgoing) |
$1.00/Fax |
| EFT Fees |
|
| Number of ATM withdrawls |
Five (5) Month |
| Charge for withdrawls in excess of Five |
$1.50 each |
| Card Replacement |
$3.00/Request |
| Pin Reissue |
$1.00/Request |
| ACH Overdraft |
$25.00/Item |