Certificate and CD Rates
| Share Certificates2 | APY1 |
|---|---|
| 3 Months | 1.25% |
| 6 Months | 3.45% |
| 12 Months | 3.55% |
| 18 Months | 3.65% |
| 24 Months | 3.70% |
| 36 Months | 3.75% |
| 48 Months | 3.80% |
| 60 Months | 3.85% |
Savings and Money Market Rates
Money Marketing Account Rates
|
Money Market Account2
(Non-Qualifying Rate)
|
APY1 |
|---|---|
| $500.00 - $24,999.99 | 0.45 % |
| $25,000.00 - $99,999.99 | 0.55% |
| $100,000.00 - $249,999.99 | 1.25% |
| $250,000.00 - $499,999.99 | 1.35% |
| $500,000.000+ | 1.45% |
|
Money Market Account2,4
(Qualifying Bump Rate)
|
APY1 |
|---|---|
| $500.00 - $24,999.99 | 2.47% |
| $25,000.00 - $99,999.99 | 2.58% |
| $100,000.00 - $249,999.99 | 3.29% |
| $250,000.00 - $499,999.99 | 3.39% |
| $500,000.000+ | 3.49% |
IRA and IRA Certificate Rates
IRA Account Rates
|
IRA Accounts3
|
APY1 |
|---|---|
| $35.00 - $9,999.99 | 0.05% |
| $10,000.00 - $99,999.99 | 0.05% |
| $100,000.00+ | 0.05% |
IRA Certificate Account Rates
| IRA Certificates2 | APY1 |
|---|---|
| 3 Months | 1.25% |
| 6 Months | 3.45% |
| 12 Months | 3.55% |
| 18 Months | 3.65% |
| 24 Months | 3.70% |
| 36 Months | 3.75% |
| 48 Months | 3.80% |
| 60 Months | 3.85% |
Checking Account Rates
Ascend Checking Account Rates
| Ascend Checking5 | APY1 |
|---|---|
| $0.00 - $15,000 | 3.50% |
| $15,000.01 | 0.21-3.50% |
Your Ascend Checking can qualify for dividends if you meet these requirements each month:
- enroll in eStatements
- make at least 20 debit card purchases
- have at least one monthly direct deposit greater than $250
If you don't meet these requirements each month, your account is still free.
Business Deposit Accounts
| Business Savings | APY1 |
|---|---|
| $35.00-$100,000.00 | 0.05% |
| Business Non-Profit Checking |
APY1 |
|---|---|
| $0.00 + | 0.15% |
| Business No Fee Checking |
APY1 |
|---|---|
| Not qualified to earn dividends on any dollar amount | 0.00% |
| Premium Business Checking6 | APY1 |
|---|---|
| $0.00 - $999.99 | 0.00% |
| $1000.00 - $25,000 | 0.15% |
| $25,000.01+ | 0.20% |
| Business Money Market Account2 | APY1 |
|---|---|
| $500.00 - $24,999.99 | 0.45% |
| $25,000.00 - $99,999.99 | 0.55% |
| $100,000.00 - $249,999.99 | 1.25% |
| $250,000.00 - $499,999.99 | 1.35% |
| $500,000.000 + | 1.45% |
Current P1FCU Loan Rates
Compare advertised starting APRs for eligible P1FCU loan products. Your approved rate and available term depends on factors such as creditworthiness, loan amount, collateral, selected term, and other underwriting criteria.
APR means Annual Percentage Rate. Advertised rates may represent the lowest available pricing and may not be the rate every applicant receives.
Current Auto Loan Rates
Recreational Vehicle and Powersport Loan Rates
Recreational Vehicle Loan Rates
Recreational Vehicles include boats, travel trailers, 5th wheels, motor homes and campers.
| Term | APR9 |
|---|---|
| 60 Month Term | rates as low as 6.99% |
| 144 Month Term | rates as low as 7.24% |
| 180 Month Term | rates as low as 7.24% |
Used Vehicle: To qualify for this LTV collateral must be 7 years old or newer.
Terms available up to 180 months.
Terms available up to 180 months.
Powersports include motorcycles, ATV's, UTV's, snowmobiles, jet skis, and utility trailers. Jet skis require a trailer on the contract with P1FCU listed as a lienholder.
| Term | APR9 |
|---|---|
| 60 Month Term | rates as low as 6.99% |
| 72 Month Term | rates as low as 6.99% |
Used Vehicle: To qualify for this LTV collateral must be 9 years old or newer.
Terms available up to 84 months.
Terms available up to 84 months.
Effective 01/06/2026
Current Personal Loan Rates
Mortgage and Home Equity Rates
How P1FCU Loan Rates Work
The APR shown for a loan may be a starting rate rather than the final rate approved for every borrower. Your approved APR can depend on creditworthiness, loan amount, collateral, repayment term, and other product-specific underwriting factors.
What loan rates does P1FCU currently publish?
P1FCU currently publishes rates for auto loans, recreational vehicles, powersports, and personal loans on its central rate page. Mortgage pricing is handled through separate mortgage resources.
What is the difference between APR and APY?
APR, or Annual Percentage Rate, is commonly used for borrowing products. APY, or Annual Percentage Yield, reflects earnings on deposit accounts and incorporates the effect of compounding.
How often do P1FCU rates change?
Rates and terms are subject to change. Each rate category should display its current effective date so users can determine when the information was last updated.
Where can I find P1FCU Auto Loan rates?
Is there a P1FCU branch near me where I can discuss loan rates?
P1FCU has branches throughout the Northwest. To find your nearest branch, click below.
1 APY - Annual Percentage Yield. Rates and terms subject to change without notice. Fees may reduce earnings. Rates effective 09/02/2026.
2 Minimum balance requirements: The balance required to open this account is $500.00. You must maintain a minimum average daily balance of $500.00 in your account to obtain the disclosed annual percentage yield. Early withdrawal penalties may apply (a penalty may be imposed for withdrawals before maturity).
3 Minimum balance requirements: The balance required to open this account is $35.00. You must maintain a minimum average daily balance of $35.00 in your account to obtain the disclosed annual percentage yield.
4 To qualify for the Money Market Account Qualifying Bump Rate, you must have an Ascend Checking account linked to the Money Market account, and you must meet the Ascend Checking account dividend qualifications each month. For each month you meet the Ascend Checking account dividend qualifications, you will qualify for the Money Market Account Qualifying Bump Rate. The three-monthly dividend qualifications for the Ascend Checking account are: 1) Enrollment in eStatements 2) A minimum of 20 posted debit card transactions per month (ATM transactions excluded) and 3) A monthly direct deposit of over $250. If the Ascend Checking dividend qualifications are not met, the Money Market will default to the standard Money Market Account Non-Qualifying Rate. Only one Money Market account may be linked to an Ascend Checking account at any time. The Money Market Account Qualifying Bump Rate will be applied to the Money Market account with the earliest opening date. If there are multiple Money Market accounts, you may select which Money Market account to apply the Qualifying Bump Rate at account opening or by reaching out to us at 800.843.7128. Future changes of your selection can be made in branch or by reaching out to us at 800.843.7128. The dividend rate and annual percentage yield may change at any time. We may change the dividend rate for your account as determined by the credit union board of directors.
5 APY is Annual Percentage Yield. Qualifiers to earn interest on Ascend Checking must be enrolled in eStatements with a valid email and have a minimum of 20 posted debit card transactions on your Ascend Checking account, excluding transactions at the ATMs and one monthly direct deposit of more than $250. Requirements are calculated for each month. If the account requirements are not met, the rate will be 0.00% APY. No minimum balance is required to earn APY. Fees may reduce earnings. APY accurate as of 03/01/23. Insured by NCUA.
6 Dividends paid when a balance of $1,000 is maintained. No fee is accrued if balance falls below $1000. Special dividends apply to balances $25,000.01+.
8 APR is Annual Percentage Rate. Payment Example – New or Used Auto Loan of $30,000 for 60 months at 4.85% APR will have a monthly payment of $564.08. All loans are subject to P1FCU membership, credit approval and other underwriting criteria. Rates are based on creditworthiness and other factors, and may be higher than the lowest rate advertised. Loan program rates, terms, and conditions are subject to change without notice.
9 APR is Annual Percentage Rate. Payment Example – New or Used Powersports of $30,000 for 72 months at 6.99% APR will have a monthly payment of $511.33. New or Used Recreational Vehicle of $30,000 for 180 months at 7.24% APR will have a monthly payment of $273.69. All loans are subject to P1FCU membership, credit approval and other underwriting criteria. Rates are based on creditworthiness and other factors, and may be higher than the lowest rate advertised. Loan program rates, terms, and conditions are subject to change without notice.
10 APR is Annual Percentage Rate. Payment Example – Personal loan of $10,000 for 60 months at 10.99% APR will have a monthly payment of $217.37. All loans are subject to P1FCU membership, credit approval and other underwriting criteria. Rates are based on creditworthiness and other factors, and may be higher than the lowest rate advertised. Loan program rates, terms, and conditions are subject to change without notice.