Loans | Home Loans | Auto, Boat and Motorcycle | Unsecured Signature Loans| Secured Loans| Student Loans
Rates in effect as of February 8, 2010 and are subject to change without notice at any time
| Credit Cards |
| Term |
Standard Rate |
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Annual Percentage Rate |
| Platinum MasterCard
Platinum Rewards MasterCard
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As low as 7.8%
As low as prime** + 5.55%
For more info Click Here
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| Home Loans |
| Term |
Standard Rate |
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Annual Percentage Rate |
| First Mortgages |
Click Here |
Home Equity (Fixed Rate)*
5 years
10 years
15 years |
As low as 4.49%
As low as 4.99%
As low as 5.25% |
| Home Equity Line of Credit |
Prime** - 1.50
Prime** - .10 |
| Auto Equity |
4.99% for 3 years
5.99% for 5 years
6.99% for 7 years
7.25% for 10 years |
| 5 Year Interest Only Loan |
As low as 5.875% |
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Real estate secured loans available in certain states. All rates are subject to change without prior notice. Some restrictions and closing costs may apply. Variable means that your rate could change during the term of the loan.
**Prime is currently 3.25%
**Prime is a variable rate which means that prime may change during the term of a HELOC loan. HELOC has a maximum rate of 15% and a mininum rate of 3.5%
* These loans are part of our managed credit program. Your rate is determined by how long you finance your loan as well as your credit history. The rates quoted above are the lowest possible rates offered. The Fixed Home Equity rates listed in this grid are first position rates. Your rates will be determined after your credit report has been reviewed. No loan will be lower than the minimum rate established by the Credit Union. Rates are subject to change without prior notice. Some closing costs may apply. Ask for details.
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| Auto, Boat and Motorcycle* |
| Term |
Standard Rate* |
Advantage Pricing |
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Annual Percentage Rate |
Annual Percentage Rate |
| Up to 24 Months New |
1.99% - 11.99% |
1.99% - 11.49% |
| Up to 24 Months Used |
2.49% - 12.49% |
1.99% - 11.99% |
| Up to 36 Months New |
3.24% - 13.24% |
2.74% - 12.74% |
| Up to 36 Months Used |
3.74% -13.74% |
3.24% - 13.24% |
| Up to 48 Months New |
3.49% - 13.49% |
2.99% - 12.99% |
| Up to 48 Months Used |
3.99% - 13.99% |
3.49% - 13.49% |
| Up to 60 Months New |
3.74% - 13.74% |
3.24% - 13.24% |
| Up to 60 Months Used |
4.24% - 14.24% |
3.74% - 13.74% |
| Up to 72 Months New |
3.99% - 13.99% |
3.49% - 13.49% |
| Up to 72 Months Used |
4.49% - 14.49% |
3.99% - 13.99% |
| Up to 84 Months New |
4.24% - 14.24% |
3.74% - 13.74% |
| Up to 84 Months Used |
4.74% - 14.74% |
4.24% - 14.24% |
| Unsecured Signature Loans |
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Standard Rate |
Advantage Pricing |
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Annual Percentage Rate |
Annual Percentage Rate |
| Personal Loan* |
11.90% - 17.99% |
11.40% - 17.49% |
| Personal Line of Credit |
14.99% |
14.99% |
| Overdraft Line of Credit |
17.99% |
17.99% |
| Secured Loans |
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Standard Rate |
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Annual Percentage Rate |
| Share Certificate |
Rate of Certificate + 4% |
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| Savings |
Savings Rate + 4% |
| Student Loans |
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Standard Rate |
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Annual Percentage Rate |
| Stafford Student Loan (Subsidized and Unsubsidized) |
5.60% for undergraduate, subsidized (resets annually on 7/1); 6.80% for graduate, subsidized (fixed)
6.80% for undergraduate and graduate, unsubsidized (fixed)
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| Plus |
8.50% |
| StudentExpress Loan |
Prime Rate** |
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* These loans are part of our managed credit program. Your rate is determined by how long you finance your loan as well as your credit history and whether you have Advantage Pricing or not. The rates quoted above are the lowest possible rates offered. Your rates will be determined after your credit report has been reviewed. No loan will be lower than the minimum rate established by the Credit Union. Rates are subject to change without prior notice. You cannot refinance a PFCU loan.
**Prime is a variable rate and adjusts annually on September 30th. StudentExpress Loan has a maximum rate of 17.99% and a minimum rate of 6.99%.
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To be an Advantage Pricing Program member you need to have direct deposit of your net pay, social security check, or pension into your PFCU checking account. When you do, here are some of the benefits you'll receive:
- Add an additional 25 basis points (one quarter of one percent) to any term certificate or IRA you open (With the exception of special term certificate and IRA promotions)
- Receive a 50 basis points (one half of one percent) rate lower on unsecured signature, auto, boat and motorcycle loans (promotions excluded)
If direct deposit of your net pay is not available from your employer, you can still take advantage of the benefits listed above by pledging a sum of $500.00 into a Palisades Federal Credit Union Pledge Savings non-interest bearing account. Special Promotions, real estate/share secured loans excluded. Please contact us for complete details on our Advantage Pricing program. Thank you. |
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