Loan Rates
Rates effective as of January 29, 2016 and are subject to change anytime without notice
Loan Rates
| Credit Card Loan Rates | |
| Name | Rate* |
| Platinum Rewards MasterCard | As low as prime** + 7.55% |
| Home Loan Rates | ||
| Name | Rate* | Monthly Payment Per $25,000 Borrowed |
| First Mortgages | Click Here | |
| Home Equity Loans *** | ||
| Fixed Equity Loan: 5 years | As low as 3.49 | $472 |
| Fixed Equity Loan: 10 years | As low as 3.75% | $271 |
| Fixed Equity Loan: 15 years | As low as 3.99% | $211 |
| Home Equity Line of Credit- No Closing Costs up to $250,000* | 1.99% for the first 6 months and adjusts to Prime** 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** after | |
| Fixed Equity Loan rates are based on a 1st position lien. | ||
| Auto, Boat and Motorcycle*** Loan Rates | |
| Name | Rate* |
| New Auto (2016, 2015) | As low as 2.49% |
| Used Auto (2014, 2013) | As low as 2.99% |
| Used Auto (2012, 2011, 2010) | As low as 3.49% |
| New Boat & Motorcycle | As low as 3.49% |
| Used Boat & Motorcycle | As low as 3.99% |
| Auto loan rates include a .5% discount for Advantage Pricing. | |
| Unsecured Signature Loan Rates | |
| Name | Rate* |
| Personal Loan *** | As low as 7.99% |
| Personal loan rates include a .5% discount for Advantage Pricing. | |
| Secured Loan Rates | |
| Name | Rate* |
| Share Certificate | Rate of Certificate + 4% |
| Savings | Savings Rate + 4% |
| Student Loan Rates | |
| Name | Rate* |
| Student Loan | Click Here |
| Student Loan Consolidation | Click Here |
* APR - Annual Percentage Rate
** Prime is a variable 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 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 $500 into your PFCU checking account. Click here for Advantage Pricing information.
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