Rates
Loans Savings (Shares) Certificate & Rates Service Fees
Effective as of: 2/22/2023
| Loans | ||
| Share Pledge / Certificate Pledge Loans | TERM | APR |
| Secured by deposits at PFCU | may vary | 2.45 |
| Secured (Collateral) Loans: Auto, Truck, Recreation etc . . . | TERM | APR |
| 0-36 | 4.99 | |
| 37-48 | 5.24 | |
| 49-60 | 5.49 | |
| 61-72 | 5.74 | |
| Extended term for vehicles 4 model years and newer, as well as RVs, Travel Trailers, and Boats. | 73-84 | 6.24 |
| Extended term for RVs, Travel Trailers, and Boats. Minimum loan amount $25,000. | 85- 120 | 7.74 |
| 121-144 | 8.24 | |
| 145-180 | 8.99 | |
| Signature (Unsecured-NonCollateral) Loans | TERM | APR |
| $0 - $5,000 to 48 Months as low as | 48 | 10.000 |
| $0 - $5,000 Share Draft-Overdraft Protection Line of Credit as low as | N/A | 10.000 |
| $0 - $5,000 Unsecured Line of Credit as low as | N/A | 10.000 |
| Heavy Equipment Loans | TERM | APR |
| New to 60 Months as low as | 60 | 9.000 |
| Used to 48 Months as low as | 48 | 9.500 |
| PFCU First Mortgage - Real Estate | TERM | APR |
| To 120 Months as low as | 120 | 4.490 |
| To 180 Months as low as | 180 | 4.990 |
| 5/1 ARM Up To 360 Months, as low as | 360 | 4.500 |
| Home Equity Loans | TERM | APR |
| To 60 Months as low as | 60 | 4.990 |
| To 120 Months as low as | 120 | 5.490 |
| To 180 Months as low as | 180 | 5.990 |
| 5/1 ARM Up To 360 Months, as low as | 360 | 5.500 |
| Home Improvement Loans | Term | APR |
| up to 15 year | 6.99 | |
| Home Equity Line of Credit (HELOC) Loans | TERM | APR |
| 20YR Term - Variable Rate - Current Prime Rate**** | ||
| *APR = Annual Percentage Rate | ||
| **Rates posted are the lowest possible rate and may vary depending upon Credit Scores, Collateral Value, Down payment and approximate term. | ||
| ***Rates posted are the lowest possible rate and may vary depending upon Credit Scores, Loan to Value and approximate term. | ||
| ****Prime Rate = WallStreet Journal Prime Rate (maximum APR that can apply is 18% or the maximum permitted by law, whichever is less. | ||
| All rates subject to approval depending on qualifications. Rates may increase over loan period. | ||