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Checking

Checking

Un-Banking is simple, fun and rewarding. Kind of like our checking services. 

Checking accounts | OVERDRAFT SERVICES | DIGITAL WALLETS | DIRECT DEPOSIT | ORDER CHECKS 

Checking Accounts

Secure

 Premier

 Simple

 Debit
Account

OVERDRAFT Services

Overdraft Protection 

Just because life happens doesn’t mean large overdraft fees need to. Unlike banks, we don’t want to profit from overdrafts, we want to protect you from them. Adding Overdraft Protection to your account allows incidental overdrafts to be covered by: 

  • Funds from your savings account*
  • A People’s Trust line of credit* 

Contact us today to add Overdraft Protection to your checking account. 

*A small fee of $5.00 is charged to transfer from your savings account or line of credit. Applicable interest applies for line of credit advances. 

Overdraft Tolerance

Save the embarrassment of having a declined payment due to insufficient funds. Overdraft Tolerance can cover one-time debit purchases and ATM withdrawals. We offer two kinds of Overdraft Tolerances, Standard and Enhanced. These either come with your account or are available upon request.

Standard Overdraft Tolerance* is automatically available for qualifying accounts. With Standard Overdraft Tolerance, we authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions such as ACH payments made using your checking account number
  • Automatic bill payments
Enhanced Overdraft Tolerance* is a service available upon request. Once Enhanced Overdraft Tolerance is requested and you're opted in, we will authorize and pay the following types of transactions:

  • ATM transactions
  • Everyday debit card transactions

Contact us today to add Enhanced Overdraft Tolerance to your checking account.

*For both Overdraft Tolerances, Standard and Enhanced, there will be a $29.00 insufficient fee applied for each overdraft we pay. We pay overdrafts at our discretion, which means that we do not guarantee that all transactions will be paid and authorized. If we don't authorize an overdraft payment then your transaction will be declined. Click here for all the Disclosures and Fees

digital wallets

APPLE PAY GOOGLE PAY SAMSUNG PAY

DIRECT DEPOSIT

Don’t wait in line on payday. Choose the quick, easy, safe and secure option with Direct Deposit - the simplest and most effective way to get your money. 

Setting up or switching your direct deposit is easy. Just provide the following information to your employer:

People’s Trust Federal Credit Union
PO Box 4511
Houston, TX 77210-4511

Routing # 313084593

Account # Your Account Number can be found under "Account Details" on HomeBranch, the Mobile App, or on your People's Trust Check (middle 13 digits on the bottom of the check).

ORDER CHECKS

It may seem like paper and checks are a thing of the past in the digital age, but we want you to pay the way you feel the most comfortable. We make it easy to order checks. Order checks here. 

CURRENT CHECKING RATES

Rates

Savings Accounts
Account Type APY* Projected Dividend Rate
Membership Savings 0.05% 0.05%
Everyday Savings 0.05% 0.05%
IRA Contributory** 0.05% 0.05%

*APY = ANNUAL PERCENTAGE YIELD
** Includes Traditional, Roth, Educational and SEP Contributory IRAs. Click to view Disclosures and Fees for more information.

Checking Accounts
Account Type Balance to Earn Dividends APY* Dividend Rate
Simple Checking N/A N/A N/A
Secure Checking N/A N/A N/A
Premier Checking <$2,500
>$2,500		 0.02%
0.05%		0.02%
0.05%

*APY=Annual Percentage Yield. Click to view Disclosures & Fees. 

money market ACCOUNT
tier Balance Projected DIVIDEND rate apy*
Tier I $2,500.00 - $24,999.990.10% 0.10%  
Tier II $25,000.00 - $99,999.990.15% 0.15%
Tier III $100,000 - $249,999.99 0.20% 0.20%
Tier IV $250,000 to $499,999.99 0.25% 0.25%
Tier V $500,000 and above 0.30% 0.30%
certificate Rates (3 months)
deposit amounts Dividend Rate APY*
$1,000.00 - $9,999.99 0.13% 0.13%
$10,000.00 - $24,999.99 0.15% 0.15%
$25,000.00 - $49,999.99 0.17% 0.17%
$50,000.000 - $99,999.99 0.19% 0.19%
$100,000.00 or greater 0.21% 0.21%
certificate Rates (6 months)
deposit amounts Dividend rate apy*
$1,000.00 - $9,999.99 0.33% 0.33%
$10,000.00 - $24,999.99 0.35% 0.35%
$25,000.00 - $49,999.99 0.37% 0.37%
$50,000.000 - $99,999.99 0.39% 0.39%
$100,000.00 or greater 0.41% 0.41%
certificate Rates (9 months)
deposit amounts dividend rate APY*
$1,000.00 - $9,999.99 0.36% 0.36%
$10,000.00 - $24,999.99 0.38% 0.38%
$25,000.00 - $49,999.99 0.40% 0.40%
$50,000.000 - $99,999.99 0.42% 0.42%
$100,000.00 or greater 0.44% 0.44%
certificate Rates (12 months)
deposit amounts Dividend Rate apy*
$1,000.00 - $9,999.99 0.38% 0.38%
$10,000.00 - $24,999.99 0.40% 0.40%
$25,000.00 - $49,999.99 0.42% 0.42%
$50,000.000 - $99,999.99 0.44% 0.44%
$100,000.00 or greater 0.46% 0.46%
certificate Rates (18 months)
deposit amounts dividend rate apy*
$1,000.00 - $9,999.99 0.41% 0.41%
$10,000.00 - $24,999.99 0.43% 0.43%
$25,000.00 - $49,999.99 0.45% 0.45%
$50,000.000 - $99,999.99 0.47% 0.47%
$100,000.00 or greater 0.49% 0.49%
certificate Rates (24 months)
deposit amounts dividend rate apy*
$1,000.00 - $9,999.99 0.43% 0.43%
$10,000.00 - $24,999.99 0.45% 0.45%
$25,000.00 - $49,999.99 0.47% 0.47%
$50,000.000 - $99,999.99 0.49% 0.49%
$100,000.00 or greater 0.51% 0.51%
certificate Rates (30 months)
deposit amounts dividend rateapy*
$1,000.00 - $9,999.99 0.48% 0.48%
$10,000.00 - $24,999.99 0.50%
 0.50%
$25,000.00 - $49,999.99 0.52%
0.52%
$50,000.000 - $99,999.99 0.54%
 0.54%
$100,000.00 or greater 0.56%
 0.56%
certificate Rates (36 months)
deposit amounts dividend rateapy*
$1,000.00 - $9,999.99 0.53% 0.53%
$10,000.00 - $24,999.99 0.55% 0.55%
$25,000.00 - $49,999.99 0.57% 0.57%
$50,000.000 - $99,999.99 0.59% 0.59%
$100,000.00 or greater 0.61% 0.61%
certificate Rates (48 months)
deposit amounts dividend rate apy*
$1,000.00 - $9,999.99 0.63% 0.63%
$10,000.00 - $24,999.99 0.65% 0.65%
$25,000.00 - $49,999.990.67% 0.67%
$50,000.000 - $99,999.99 0.69% 0.69%
$100,000.00 or greater 0.71% 0.71%
certificate Rates (60 months)
deposit amounts dividend rate apy*
$1,000.00 - $9,999.99 0.78% 0.78%
$10,000.00 - $24,999.99 0.80% 0.80%
$25,000.00 - $49,999.99 0.82%0.82%
$50,000.000 - $99,999.99 0.84% 0.84%
$100,000.00 or greater0.86% 0.86%
SAVE TO WIN CERTIFICATE RATES (12 MONTHS)
deposit amounts dividend rate apy*
$0.01 - $9,999.99 0.38% 0.38%
$10,000.00 - $24,999.99 0.40% 0.40%
$25,000.00 - $49,999.99 0.42%0.42%
$50,000.000 - $99,999.99 0.44% 0.44%
$100,000.00 or greater0.46% 0.46%

APY=Annual Percentage Yield. Click to view disclosures. 

auto loans
new autos term APR1
Up to 100% Financing 0 - 84 Months 1.99%* - 16.74%

Click here to apply for your new auto loan.

pre-owned autostermAPR1
Up to 100% Financing0 - 84 Months1.99%* - 16.74%


first-time buyer new/usedtermAPR1
Up to 90% Financing0 - 60 Months7.49%

Click here to apply for your pre-owned auto loan. 

*Maximum term of 36 months for lowest APR. Rates and terms may vary and are subject to normal credit, underwriting and collateral value guidelines. Auto discounts may apply for GAP, Warranty and/or Debt Protection. Rates and terms subject to change without notice.

motorcycle loans
type term APR1
New & Used Up to 72 Months 3.99% - 5.49%

Motorcycle financing is only available when purchased through a dealership. 

Click here to apply for your motorcycle loan. 

MOTORCYCLE LOAN CALCULATORS

Compare what the dealer is offering you to what we can help you with using our Dealer vs Credit Union Financing Calculator. You can also use our Motorcycle Loan Calculator to find the best payment for you.

credit cards
card Type APR1 card limit
VISA Platinum** 7.90% - 17.90%*$300 - $25,000
MasterCard Rewards 6.24% - 16.24%***$300 - $35,000

Monthly payment is 2% of principal or $18, unless the balance is less than $18.00.

* Depending on your credit score.
**Secured VISA available at 10.90%.
*** Variable rate based on Prime + 2.74-13.24

lines of credit
ready cash line of credit APR1 term
Up to $35,000 12.70% - 18.00%Open

*Rates above apply to existing accounts only. Ready Cash no longer available as new account.

Money management line of creditAPR1term
Up to $35,0008.25% - 15.25%Open

Variable rate based on a current Wall Street Journal Prime Rate + 5.00% - 12.00%

Personal Unsecured Loans
loan amountAPR1term
Up to $35,0008.01% - 18.00%Up to 60 Months

APR = Annual Percentage Rate

Other personal LOANS

type APR1term
Certificate Secured 3.00% Above Index Up to Maturity Date of Certificate
Share Secured 3.00% Above Index0 - 120 Months
Personal Computer8.75% - 18.00% Up to 36 Months


boat LOANS

type APR1 term
New & Used 3.99% - 18.00%Up to 120 Months

Boat financing is only available when purchased through a dealership.

mortgages 

People’s Trust is now able to get you quicker pre approvals, better rates, and a more streamlined process between the application and your closing date. 

We can help you with a full menu of competitive mortgage programs that include:  

Click here to explore rates, apply now or make a payment!

1 APR = Annual Percentage Rate