Rates | Loan Rates

Loan Rates

Rates effective July 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 As Low As*
24, 36 Months	4.49%
48, 60 Months	4.49%
72 Months ²	6.49%

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 As Low As*	Model Year 2005 - 2003 APR As Low As*	Model Year 2002 - Older APR As Low As*
24 to 36 Months	4.49%	6.49%	10.49%
48 Months	4.49%	6.49%	-
54 Months	-	7.49%	-
60 Months	4.49%	-	-
66 Months	6.49%	-	-

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

NEW - Motorcycles, ATVs, Snowmobiles, Personal Watercraft

Terms	APR As Low As*
Up to 60 Months	5.49%
66 Up to 72 Months³	7.49%

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

USED - Motorcycles, ATVs, Snowmobiles, Personal Watercraft

Terms	Model Year 2009 - 2006 APR As Low As*	Model Year 2005 or Older APR As Low As*
Up to 48 Months	6.49%	7.49%
Up to 60 Months	6.49%	-

Unsecured Loans

Terms	TYPE	APR As Low As*
Up To 12 Months	EZ Payday	18.00%
Up To 36 Months	Signature	12.50%
Line of Credit	Overdraft	17.75% $1000 & Under 16.25% Over $1000

Share & Certificate Secured Loans

Terms	TYPE	APR
Up to 36 Months	Share⁴	3.00% Above Existing Deposit Rate
Up to Certificate Maturity Date	Certificate⁵	3.00% Above Existing Deposit Rate

⁴Individual Retirement Accounts, Christmas Clubs, Prime Savers Clubs, Money Markets and Checking Accounts cannot be pledged as collateral. Maximum loan amount 100% of Share. ⁵Term not to exceed maturity date of Certificate. Maximum loan amount 100% of Certificate.

Home Equity Loans⁶

Terms	20% Equity APR
Up to 60 Months	4.99%
60 to 120 Months	5.99%
121 to 180 Months	6.49%
Line of Credit	Prime

⁶Home 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.
*'As low as' rates subject to Prime Time Direct or Prime Time Plus Checking and Quick Close Discount (close loan within 48 hours of approval). Quick Close Discount valid on new collateral loans only.

Resource guide