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

National Credit Union Administration, a U.S Government Agency

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