Loan Rates
Rates effective as of May 1st, 2019 and are subject to change anytime without notice
Loan Rates
| Credit Card Loan Rates | |
| Product | Rate* |
| Platinum Rewards MasterCard | As low as prime** + 7.55% |
| Home Equity Rates | ||
| Effective Date: Friday, August 23rd, 2019 | ||
| Product | Rate* | Monthly Payment Per $25,000 Borrowed |
| Home Equity Loans *** | ||
| Fixed Equity Loan: 5 years | As low as 5.50% | $477 |
| Fixed Equity Loan: 10 years | As low as 5.50% | $271 |
| Fixed Equity Loan: 15 years | As low as 5.50% | $204 |
| Home Equity Line of Credit- No Closing Costs up to $250,000* | 1.99% for the first 6 months and adjusts to Prime** - 0.10% after | |
| Home Equity Line of Credit- Interest Only & No Closing Costs up to $250,000* | 1.99% for the first 6 months and adjusts to Prime** - 0.10% after | |
| Fixed Equity Loan rates are based on a 1st position lien. | ||
| Mortgage Rates | ||||
| Effective Date: Friday, August 23rd, 2019 10:00 AM | ||||
| Product | Rate* | APR* | Points | Monthly Payment Per $25,000 Borrowed |
| 15 Year Fixed | 3.250% | 3.708% | 0 | $175.67 |
| 20 Year Fixed | 3.375% | 3.731% | 0 | $143.39 |
| 30 Year Fixed | 3.500% | 3.755% | 0 | $112.26 |
| Your actual annual percentage rate may be different. Mortgage rates are for properties in NY, NJ, CT, PA, and MA. | ||||
| Auto, Boat and Motorcycle*** Loan Rates | |
| Product | APR* As Low As |
| New Auto (2019, 2018) | 3.24% |
| Used Auto (2017, 2016) | 3.99% |
| Used Auto (2015, 2014) | 4.99% |
| New Boat & Motorcycle | 3.49% |
| Used Boat & Motorcycle | 4.49% |
| Auto loan rates include a .5% discount for Advantage Pricing. | |
| Unsecured Signature Loan Rates | |
| Product | APR* As Low As |
| Personal Loan *** | 12.99% |
| Secured Loan Rates | |
| Product | Rate* |
| Share Certificate | Rate of Certificate + 4% |
| Savings | Savings Rate + 4% |
| Student Loan Rates | |
| Product | Rate* |
| Student Loan | Click Here |
| Student Loan Consolidation | Click Here |
* APR - Annual Percentage Rate
** Prime as of 8/1/2019 is 5.25%.
***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 qualify in your Kasasa checking account. Click here for Advantage Pricing information.
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