Loan Rates

Rates effective as of January 1, 2014 and are subject to change anytime without notice

Credit Cards
  Standard Rate APR *
Platinum MasterCard As low as prime** + 6.55% 
Platinum Rewards MasterCard As low as prime** + 7.55%

Home Loans
  Standard Rate APR *
First Mortgages Click Here 
or view current rates to the right
Home Equity Loans ***  
5 years As low as 4.49%
10 years As low as 4.99%
15 years As low as 5.25%
   
Home Equity Lines
1.99% for the first year then
Home Equity Line of Credit- No Closing Costs

Home Equity Line of Credit- Interest Only & No Closing Costs
Prime** - 0.10

Prime** - 0.10 
   
No Closing Costs Home Equity Loans  
 5 years  As low as 3.750%
10 years  As low as 4.250%
   
Auto Equity  
3 years 4.99%
5 years 5.99%
7 years 6.99%
10 years 7.25%
5 years Interest Only Loan As low as 5.875%

* APR - Annual Percentage Rate; 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. Real estate secured loans available in certain states. All rates are subject to change without prior notice. Some restrictions and closing costs or closing costs recapture fees may apply. Variable means that your rate could change during the term of the loan. Ask a PFCU representative for details regarding your specific situation.

**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%

Auto, Boat and Motorcycle***
Term Standard Rate APR * Advantage Pricing APR*


Auto Loan Special 1.99%APR* for qualifed members
Up to 24 Months New & Used 2.99% - 12.99% 2.99% - 12.49%
Up to 36 Months New & Used 4.24% - 14.24% 3.74% - 13.74%
Up to 48 Months New & Used 4.49% - 14.49% 3.99% - 13.99%
Up to 60 Months New & Used 4.74% - 14.74% 4.24% - 14.24%
Up to 72 Months New & Used 4.99% - 14.99% 4.49% - 10.49%
Up to 84 Months New & Used 5.24% - 15.49% 4.74% - 7.74% 
Unsecured Signature Loans
Standard Rate APR * Advantage Pricing APR*


Personal Loan *** 11.90% - 17.99% 11.40% - 17.49%
Secured Loans
  Standard Rate APR*
Share Certificate Rate of Certificate + 4%
Savings Savings Rate + 4%
Student Loans
  Standard Rate APR *
StudentExpress Loan Prime Rate**

*  APR - Annual Percentage Rate

** 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%.

***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. Auto loan rates may vary based on age of vehicle, loan repayment period and down payment.

To receive Advantage Pricing you need to have direct deposit of your net pay, social security check, or pension into your PFCU checking account. Click here for Advantage Pricing information.

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