Loan Terms and Rates

 

As of 01/02/2019 and subject to change daily.

 

  Term in Months APR* - As Low As APR* - No Higher Than
Secured by Specified Collateral 1-24 3.95% 15.95%
  25-36 3.95% 16.20%
  37-48 3.95% 16.45%
  49-60 3.95% 16.70%
  61-72 4.45% 17.20%
  73-84 5.45% 17.95%
  85-96 6.70% 18.00%
  97-120 7.85% 18.00%
Secured by Security Agreement (Personal Loan) 1-12 8.75% 18.00%
  13-36 11.00% 18.00%
  37-60 14.00% 18.00%

 

 

* APR - Annual Percentage Rate

 

Rate Adjustments Applicable to All Above Categories

 0.10% reduction for payment transfer from PFCU Account, Direct deposit, ACH payment or payroll deduction.

 Add 0.50% if vehicle collateral is 5 or more years old.

 

 

Indexed Accounts (Variable Rate)

 

 

Index is Prime Rate (Prime) and Reviewed Quarterly  -  Current Prime Rate is 5.00% 

 

  APR* - As Low As APR* - No Higher Than
Line of Credit Prime + 3.00%  Prime + 11.50% 
Current Rates 8.00% 16.50%
Secured by Borrower's Deposits Prime - (minus) 1.00% Prime - (minus) 1.00%
Current Rates 4.00% 4.00%
Secured by 3rd Party Deposits Prime + 1.00% Prime + 4.50%
Current Rates 6.00% 9.50%
Certificate of Deposit   CD Rate + 2.00%

 

 

* APR - Annual Percentage Rate