Loan Terms and Rates

 

As of 03/01/2020 and subject to change daily.

 

  Term in Months APR* - As Low As APR* - No Higher Than
Secured by Specified Collateral 1-24 3.60% 15.70%
  25-36 3.60% 15.95%
  37-48 3.60% 16.20%
  49-60 3.60% 16.45%
  61-72 4.10% 16.95%
  73-84 5.10% 17.70%
  85-96 6.35% 18.00%
  97-120 7.50% 18.00%
Secured by Security Agreement (Personal Loan) 1-12 8.40% 18.00%
  13-36 10.65% 18.00%
  37-60 13.65% 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 3.25% 

 

  APR* - As Low As APR* - No Higher Than
LINE OF CREDIT Prime + 3.00%  Prime + 11.50% 
Current Rates 6.25% 15.75%
SECURED BY SHARE DEPOSITS Prime - (minus) 1.00% Prime - (minus) 1.00%
Current Rates 2.25%  
     
CERTIFICATE OF DEPOSIT   CD Rate + 2.00%

 

 

* APR - Annual Percentage Rate