Savings Rates and Fees
Checking Account Fees
Courtesy Pay fee of $30 per use
NSF Fee: $30 per item
Stop Payment: $30 per request
Check Printing Fee: Prices may vary depending on style
Overdraft Honored by Transfer Fee: $10 per check
Checking Account Service Fee: NONE
Checking Account Paid Check Copy Fee: $2 per item
Checking Account History Fee: $2 per printout
Debit Card/PIN Abuse Replacement Fee: $6 per replacement
Excessive Transfer Fee (exceed Reg. D Limit): $5 per item
Other Fees (Applicable to All Accounts)
Deposited Item Return Fee on Personal Accounts (member account elsewhere): $30 per item
Deposited Item Return Fee on Personal Accounts (not a member account): $5 per item
Deposited Item Return Fee on Non-personal Accounts: $30 per item
Wire Transfer Fee (outgoing): $20 per transfer
Cashier Check Fee: $5 per check
Stop Payment Fee (Credit Union Generated or Cashier's Check): $30 per check
ACH Transaction Honored By Transfer Fee: $10 per item
ACH Transaction Returned NSF Fee: $30 per item
Check Made Payable to Third Party Fee: $2 per item
Statement Copy Fee: $2 per statement
Excess Transfer Fee: $5 per item
Returned Quarterly Statement (due to bad address): $5 per statement
Account Closure (within 180 of opening)(Reg. Savings/Checking): $20 per accounts
Operated Assisted MasterCard Payments fee : $5 per payment
Safe Deposit Box Rental Fees: Based on Size
Deposit Rates
These rates were last reviewed August 2023. The rates and information shown on this website are as accurate as possible. Information is subject to change without notice. Please contact the credit union to verify rates and information. Thank you.
| Account Type | Minimum Balance | APR* | APY** |
|---|---|---|---|
| Regular Savings Account | $25 | 0.20% | 0.20% |
| Money Market Account | $2,000 | 0.50% | 0.50% |
| IRA | $25 | 0.40% | 0.40% |
| Checking | --- | 0.05% | 0.05% |
| 6 Month CD | $1,000 | 1.75% | 1.77% |
| 12 Month CD | $1,000 | 2.25% | 2.28% |
| 24 Month CD | $1,000 | 2.50% | 2.53% |
Loan Rates
The following are "as low as" loan rates at Port Arthur Teachers Federal Credit Union, listed as annual percentage rate or APR. These rates are effective October 12, 2022, last reviewed July 2023, and are subject to change at any time without notice. Please contact the credit union for our most up-to-date loan rates.
| Loan Type | Rate |
|---|---|
| New Car | 5.00% APR* - up to 60 month financing available |
| New Car | 5.50% APR* - up to 72 month financing available |
| New Car | 6.00% APR* - up to 84 month financing available |
| Used Car | 5.50% APR* - up to 72 month financing available |
| Used Car | 6.00% APR* - up to 84 month financing available |
| Recreational Vehicle | 6.00% APR* |
| Annual Loan | 7.00% APR* |
| Personal Loans | 9.25% APR* |
| Mastercard | 9.90% APR* |
| Share Secured | 2.50% APR* |
| Unimproved Property | Contact Credit Union for Information |