Rates | Loan Rates

Loan Rates

Rates effective January 22, 2010. All rates and terms are subject to change without notice. A minimum $25 Share Savings Account is required.

NEW - Auto, Trucks, RVs¹, Campers¹, Boats¹

Terms	APR
24, 36 Months	4.99%
48, 60 Months	4.99%
72 Months ²	6.99%

¹RVs, Campers and Boats qualifying as a "Second Home" will receive Home Equity Loan rates. ²Minimum of $15,000 financed.

Used Auto, Trucks, RVs¹, Campers¹, Boats¹

Terms	Model Year 2009 - 2006 APR	Model Year 2005 - 2003 APR	Model Year 2002 - Older APR
24 Months	4.99%	6.99%	10.99%
36 Months	4.99%	6.99%	10.99%
48 Months	4.99%	6.99%	-
54 Months	-	7.99%	-
60 Months	4.99%	-	-
66 Months	6.99%	-	-

¹RVs, Campers and Boats that qualify as a "Second Home" will receive Home Equity Loan rates.

NEW - Motorcycles, ATVs, Snowmobiles, Personal Watercraft

Terms	APR
Up to 60 Months	5.99%
66 Up to 72 Months³	7.99%

³Minimum of $15,000 financed. 72 Month term requires 10% down payment.

USED - Motorcycles, ATVs, Snowmobiles, Personal Watercraft

Terms	Model Year 2009 - 2006 APR	Model Year 2005 or Older APR
Up to 48 Months	6.99%	7.99%
Up to 60 Months	6.99%	-

Unsecured Loans

Terms	TYPE	APR
Up To 12 Months	EZ Payday	18.00%
Up To 36 Months	Signature	12.75%

Home Equity Loans⁴

Terms	20% Equity APR
Up to 36 Months	5.99%
37 to 60 Months	6.49%
61 to 84 Months	6.99%
85 to 120 Months	7.49%
121 to 180 Months	8.49%
Line of Credit	Prime

⁴Home Equity Loans up to 80% loan to value (LTV). Line of Credit rate is adjustable, may change monthly and will not exceed 18.00% APR. $199 Application Fee (other fees may apply).

Credit Cards

TYPE	APR
Visa Platinum Prime with ScoreCard® Rewards	Interest rates from 8.99% - 17.99%. Rate based upon credit score.

APR = Annual Percentage Rate
The above rates are based upon an "A" credit rating and are subject to change based upon borrower's credit history.
To refinance your existing PFCU loan, you must either: (1) extend the term by six months or (2) add $500 to the balance.

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