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Loan Rates

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Loan Rates

Rates effective as of May 1st, 2019 and are subject to change anytime without notice

Loan Rates

Credit Card Loan Rates
ProductRate*
Platinum Rewards MasterCard As low as prime** + 7.55%

Home Equity Rates
Effective Date: Friday, August 23rd, 2019
ProductRate*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
ProductRate*APR*PointsMonthly 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
ProductAPR* 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
ProductAPR* As Low As
Personal Loan *** 12.99%

Secured Loan Rates
ProductRate*
Share Certificate Rate of Certificate + 4%
Savings Savings Rate + 4%

Student Loan Rates
ProductRate*
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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