Loan Rates
Rates effective as of March 15, 2020 and are subject to change anytime without notice
Loan Rates
| Credit Card Loan Rates | |
| Product | Rate* |
| Platinum Rewards MasterCard | As low as prime** + 8.99% |
| Home Equity Rates | |
| Effective Date: Thursday, April 15th, 2021 | |
| Product | Rate* |
| Home Equity Loans *** | |
| Fixed Equity Loan: 15 years | As low as 5.50% |
| 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 loans are available in 2nd position lien only. | |
| Mortgage Rates | ||
| Effective Date: Thursday, April 15th, 2021 10:00 AM | ||
| Product | Rate* | APR* |
| 15 Year Fixed | 2.875% | 3.197% |
| 20 Year Fixed | 3.375% | 3.628% |
| 30 Year Fixed | 3.375% | 3.555% |
| APR is based on a $300,000 purchase with a 70% LTV. Actual interest rates may vary based on lender’s credit criteria. Property must be located in NY, NJ, CT, PA, or MA. | ||
| Auto, Boat and Motorcycle*** Loan Rates | |
| Product | APR* As Low As |
| New Auto (2020) | 3.24% |
| Used Auto (2019, 2018) | 3.99% |
| Used Auto (2017, 2016) | 4.99% |
| New Boat & Motorcycle | 4.24% |
| Used Boat & Motorcycle | 4.99% |
| 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 3/15/2020 is 3.25%
***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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