Rates - Loans
The rates listed are PFCU's prime rates. Individual rates may vary based on credit score.
Rates listed below for Vehicle Loans, Other Secured Loans, Equipment Secured Loans, Signature/Personal Loans and Second Mortgages Loans reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account.
Member Direct Deposit discounts exclude Share Secured Loans, Visa Cards, HELOCs and First Mortgage Products. These rates are as listed below.
| New Vehicles |
APR |
|---|
| Maximum of 72 months | 4.99% |
| Used Vehicles |
APR |
|---|
| 2005-2007, maximum 72 months | 4.99% |
| 2003-2004, maximum 66 months | 4.99% |
| 2001-2002, maximum 60 months | 4.99% |
| 1999-2000, maximum 48 months | 7.25% |
| 1998 and Older, maximum 36 months | 7.75% |
| Other Secured |
APR |
|---|
| Maximum 72 months | 5.99% |
| Equipment Secured |
APR |
|---|
| Maximum 60 months | 8.25% |
| Signature / Personal Loans |
APR |
|---|
| Maximum 48 months | 9.00% |
| Second Mortgages |
APR |
|---|
| 60 months | 6.25% |
| 120 months | 6.50% |
| 180 months | 6.75% |
| Share Secured |
APR |
|---|
| Maximum 60 months | 4.25% |
| 60-120 months | 4.50% |
| Visa Cards |
APR |
|---|
| Classic with NO annual fee | 11.90% |
| Gold with NO annual fee | 8.90% |
| Platinum with NO annual fee | 9.90% |
| Home Equity Line of Credit |
APR |
|---|
| Variable Rates | Prime minus .50% |
| First Mortgages |
APR |
|---|
| Call for Details and Rates | - |
| Quick Draw Overdraft Protection |
APR |
|---|
| - | 15.75% / 18.00% |
APR - Annual Percentage Rate
Rates are current as of 03/01/08 and are subject to change without notice. Loans are subject to credit approval and borrower qualifications.
