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 |
|---|
| New Never Titled - Maximum of 72 months | 5.45% |
| Used Vehicles |
APR |
|---|
| 2020 & Newer Maximum 72 Months | 5.45% |
| 2018 & 2019, maximum 72 months | 5.70% |
| 2015 - 2017, maximum 66 months | 5.95% |
| 2010-2014, maximum 60 months | 6.95% |
| 2009 and Older, maximum 54 months | 8.50% |
| Other Secured |
APR |
|---|
| Maximum 72 months | 8.50% |
| Equipment Secured |
APR |
|---|
| Maximum 72 months | 9.00% |
| Signature Loans |
APR |
|---|
| Maximum 48 months | 10.50% |
| Visa Cards* |
APR |
|---|
| Classic with NO annual fee | 11.90% |
| Gold with NO annual fee | 8.90% |
| Platinum with NO annual fee | 9.90% |
| Overdraft Protection |
APR |
|---|
| - | 15.50% / 18.00% |
APR - Annual Percentage Rate
Rates are current as of 08/01/2023 and are subject to change without notice. Loans are subject to credit approval and borrower qualifications. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.
* For Credit Card Tips from the Consumer Financial Protection Bureau: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.
