How can We Help You?
Access your account at PFCU 24 hours a day with Home Banking or call us at 1(877) PFCU4YO (732-8496) or at (404) 297-9797. You can also text "PFCU" to 437-83 to opt-in to our text messaging system.

Business

Loan rates are accurate as of June 18, 2020. Rates and other terms may change at any time without prior notice. For variable rate loans a floor rate may be applicable.

Loan Type
Annual Percentage Rate
Member Business Loan As low as 6.99%
Real Estate Secured Business Loan As low as Wall Street Journal +1.00%
Share/CD Secured Loan 3.00% above existing dividend
Business Line of Credit As low as 14.00%
Business MasterCard® Credit Card As low as 9.99%

Account Access
Access your accounts at PFCU 24 hours a day with Home Banking.

*Dividend Rate is accurate as of August 2020. Rates and other terms may change at any time without prior notice.

Account Type Dividend Rate Annual Percentage Yield (APY)

Business Share Savings
$100 - $2,499.99
$2,500 - $9,999.99
$10,000 - $49,999.99
$50,000 & above


0.10%
0.10%
0.10%
0.10%


0.10%
0.10%
0.10%
0.10%

Money Market Savings
$0 - $4,999.99
$5,000 - $9,999.99
$10,000 - $49,999.99
$50,000 - $99,999.99
$100,000 & above


0.25%
0.30%
0.30%
0.30%
0.30%


0.25%
0.30%
0.30%
0.30%
0.30%

Business Share Certificate/CD Rates $1,000 Minimum Investment

*Dividend Rate is accurate as of August 2020. Rates and other terms may change at any time without prior notice. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.

Terms Dividend Rate Annual Percentage Yield (APY)

6 months
$1,000 - $9,999
$10,000 - $24,999
$25,000 - $99,999
above $100,000


.50%
.50%
.50%
.50%


.50%
.50%
.50%
.50%

12 months
$1,000 - $9,999
$10,000 - $24,999
$25,000 - $99,999
above $100,000


.60%
.60%
.60%
.60%


.60%
.60%
.60%
.60%

24 months
$1,000 - $9,999
$10,000 - $24,999
$25,000 - $99,999
above $100,000


.75%
.75%
.75%
.75%


.75%
.75%
.75%
.75%

36 months
$1,000 - $9,999
$10,000 - $24,999
$25,000 - $99,999
above $100,000


0.90%
0.90%
0.90%
0.90%


0.90%
0.90%
0.90%
0.90%

60 months
$1,000 - $9,999
$10,000 - $24,999
$25,000 - $99,999
above $100,000


1.00%
1.00%
1.00%
1.00%


1.00%
1.00%
1.00%
1.00%

 

Account Access
Access your accounts at PFCU 24 hours a day with Home Banking .

The following fees may be assessed against your account and the following transaction limitations, if any, applied to your account.

Business Share/Savings Account
One time Membership Fee $20.00
Monthly Fee No Fee
Deposit Fee No Fee
Withdrawals up to six month No Fee
Withdrawals in excess of six a month $1.00 per transaction
Home Banking No Fee
Dividend (declared semi-annually) Deposit Rates (See Above)
Other Fees Miscellaneous Fees(see below)
No Hassle Commercial Checking Account
Monthly Fee $59.99 per month
Cash/Coin Deposit & Withdrawal up to $100,000/month No Fee
Cash/Coin Deposit & Withdrawal in excess of $100,000/month $0.10 per $100
Home Banking No Fee
ACH Debit/Credit Transactions Unlimited No Fee
Checks Deposited & Cleared No Fee
Dividend Non-Interest Bearing
Starter Checks 10 Free
View/Print Online Check Images up to 2 years No Fee
Overdraft Protection from other Accounts No Fee
Discretionary Overdraft Privilege Up to $50,000
Other Fees Miscellaneous Fees(see below)
Check Cashing Checking Account
Monthly Fee $74.99 per month
Third Party Check Deposit Fee $0.30 per check
Third Party Checks up to $3,000 per check No Deposit (approval required)
Third Party Checks up to $10,000 per check Up to $100,000 security deposit
Cash/Coin Deposit No Fee
Cash/Coin Withdrawal No Fee
Home Banking No Fee
ACH Debit/Credit Transactions Unlimited No Fee
Checks Deposited & Cleared No Fee
Dividend Non-Interest Bearing
Starter Checks 10 Free
View/Print Online Check Image up to 2 years No Fee
Overdraft Protection from other Accounts No Fee
Discretionary Overdraft Privilege Up to $50,000
Other Fees Miscellaneous Fees(see below)
In Trust for Georgia Lottery Checking Account
Monthly Fee $19.99 per month
Cash/Coin Deposit No Fee
Cash/Coin Withdrawal No Fee
Home Banking No Fee
ACH Debit/Credit Transactions Unlimited No Fee
Checks Deposited & Cleared No Fee
Dividend Non-Interest Bearing
Starter Checks 10 Free
View/Print Online Check Image up to 2 years No Fee
Overdraft Protection from other Accounts No Fee
Other Fees Miscellaneous Fees(see below)
Professional/Limited Cash Checking Account
Monthly Fee if average daily balance above $500 No Fee
Monthly Fee if average daily balance below $500 $10.00 per month
Cash/Coin Deposit & Withdrawal up to $5,000/month No Charge
Cash/Coin Deposit & Withdrawal in excess of $5,000/month $0.10 per $100
Any Debit/Credit Transactions up to 100/month No Charge
Home Banking No Fee
Dividend Non-Interest Bearing
Starter Checks 10 Free
View/Print Online Check Image up to 2 years No Fee
Overdraft Protection from other Accounts No Fee
Discretionary Overdraft Privilege Up to $10,000
Other Fees Miscellaneous Fees(see below)
Business Money Market Account
Monthly Fee if average daily balance above $1,000 No Fee
Monthly Fee if average daily balance below $1,000 $10.00 per month
Up to six withdrawals or transfers per month $10 for the month
Dollar limits on deposits or withdrawals No Limits
Home Banking No Fee
Dividend (tired rate and credited monthly) Deposit Rates (See Above)
Other Fees Miscellaneous Fees(see below)

Account Access
Access your accounts at PFCU 24 hours a day with Home Banking.

The following fees may be assessed against your account and the following transaction limitations, if any, applied to your account.

Loans Fee Schedule
Member Business Loan
Loan up to $50,000
1% of Loan Amount
Commercial Real Estate Secured Loan
Loans up to $450,000 (through PFCU)
Loans up to $5,000,000 (through CUBS)
1% of Loan Amount + Closing Costs
Business Share/CD Secured Loan
Loan up to any secured Share/CD Account
$20.00 per loan
Business MasterCard® Credit Card
Credit Limits up to $25,000
$0 to $49.00 based on credit worthiness

Account Access
Access your accounts at PFCU 24 hours a day with Home Banking.

The following fees may be assessed against your account and the following transaction limitations, if any, applied to your account.

Miscellaneous Fee Schedule
Business Bill Pay Fees (including Employee Direct Deposit & EFTPS) $14.95 per month
Outgoing Domestic Wire Transfer $15.00 per wire
Outgoing International Wire Transfer $34.99 per wire
Incoming Domestic Wire Transfer $5.00 per wire
Incoming International Wire Transfer $15.00 per wire
Deposit Item Return $5.00 per item
Next Day Deposit for Checks/ACH presented $9.99 per item
Discretionary Overdraft Previlege $28.00 per item
Stop Payment Fee $20.00 per item
Counter Checks $1.00 per item
Check/ACH Return Fee (NSF Fee) $28.00 per item
Loan Deposit Return Fee $28.00 per item
Interim Statement Fee $5.00 per statement
Statement Reprint Fee $5.00 per statement
Cashier's Check Fee $5.00 per check
Manual Account to Account Balance Transfer $3.00 per transfer
Deposit/Paid Check Copy $2.00 per item
Account Research Fee $25.00 per hour
Returned Mail Fee $5.00 per occurrence
Dormant Account Fee (after 12 months of no activity) $5.00 per month
Certified Mail (Documents, Check, Cashier's Check, etc.) $5.00 per item
Levy/Garnishment $25.00
Check, Deposit Slips, Stamps, etc. See Deluxe Website
Merchant Deposit Capture Fee $24.99 per month
Merchant Deposit Capture Batch Deletion $25.00 per batch
Merchant Deposit Capture Duplicate Scan $100.00 per batch
Letter of Credit $100.00 per letter
ACH Origination Fee $5.00 per file + $0.05 per item
ACH Exception per returned item $3.00
ACH Exception per file reversal $5.00
NACHA Unauthorized Entry Fee $5.00 per item
NACHA Unauthorized Entry Credit $5.00 per item

Account Access
Access your accounts at PFCU 24 hours a day with Home Banking.

How can We Help You?
Access your account at PFCU 24 hours a day with Home Banking or call us at 1(877) PFCU4YO (732-8496) or at (404) 297-9797. You can also text "PFCU" to 437-83 to opt-in to our text messaging system.