Rates | Loan Rates

Loan Rates

Rates effective January 27, 2012. All rates and terms are subject to change without notice. A minimum $25 Share Savings Account is required.

NEW - AUTOS, TRUCKS, VANS

Terms	APR As Low As*
24 to 48 Months	3.49%
60 Months	4.49%
72¹ Months	4.99%

¹Requires minimum of $20,000 financed.

USED - AUTOS, TRUCKS, VANS

Terms	Model Year 2011 - 2008 APR As Low As*	Model Year 2007 - 2005 APR As Low As*	Model Year 2004 - Older APR As Low As*
24 to 36 Months	4.49%	4.49%	5.49%
48 Months	4.49%	4.49%	-
54 Months	-	5.49%	-
60 Months	4.49%	-	-
72¹ Months	4.99%	-	-

¹Requires minimum of $20,000 financed.

NEW - MOTORCYCLES²

Terms	APR As Low As*
24 to 48 Months	3.49%
60 Months	4.49%
72³ Months	4.99%

²10% down payment required. ³Requires minimum $15,000 financed.

USED - MOTORCYCLES²

Terms	Model Year 2011 - 2008 APR As Low As*	Model Year 2007 - 2005 APR As Low As*	Model Year 2004 - Older APR As Low As*
24 to 36 Months	4.49%	4.49%	5.49%
48 Months	4.49%	4.49%	-
54 Months	-	5.49%	-
60 Months	4.49%	-	-

²10% down payment required.

NEW - RECREATIONAL VEHICLES⁴

Terms	APR As Low As*
Up to 60 Months	5.49%
72⁵ Months	7.49%

⁴20% down payment required on all off-road cycles.
⁵Titled vehicles only and requires minimum $10,000 financed.

USED - RECREATIONAL VEHICLES⁴

Terms	Model Year 2011 - 2008 APR As Low As*	Model Year 2007 or Older APR As Low As*
Up to 48 Months	6.49%	7.49%
Up to 60 Months	6.49%	-

⁴20% down payment required on all off-road cycles.

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 exeed 18.00% APR. $199 Application Fee (other fees may apply).

SHARE & CERTIFICATE SECURED LOANS ⁷

Terms	TYPE	APR
Up to 36 Months	Share⁷	5.00% Above Existing Deposit Rate
Up to Certificate Maturity Date	Certificate⁷	5.00% Above Existing Deposit Rate

⁷Individual Reitrement Accounts, Christmas Clubs, Prime Savers Clubs, Money Markets and Checking Accounts cannot be pledged as collateral. Maximum loan amount 100% of share or certificate.

UNSECURED LOANS

Terms	TYPE	APR As Low As*
Up To 12 Months	EZ Payday	38.00%
Up To 36 Months	Signature	12.50%
Line of Credit	Overdraft	17.75% $1000 & Under 16.25% Over $1000

CREDIT CARDS

Visa Platinum Prime with ScoreCard® Rewards

Interest rates from 8.99% to 17.99% APR.

Rate based upon credit score.

Visa Share Secured with ScoreCard® Rewards

Interest rates from 8.99% - 17.99%.

Rate based upon credit score.

Minimum credit limit $250.00

Must deposit 110% of credit limit to share account.

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 add $500 to the balance.
*‘As low as’ rates subject to checking accounts with direct deposit/payroll deduction and Quick Close Discount (close loan within 48 hours of approval). Quick Close Discount valid on new collateral loans only.

Resource guide