Personal Financing

Here at PFCU, we know that every member has a unique personality and lifestyle all their own. We also know that sometimes an event may come along – planned or unplanned. That’s where we come in. At PFCU, we have personal loans to meet any of your unique financial needs and enhance your personal lifestyle. A loan personalized just for you.

Right now, you can borrow up to $15,000 at a low rate of 7.99% APR* for up to a 36-month term.

A solution for all your financial needs

Share Secured

An attractive loan option for the conservative borrower is the Share Secured loan. The loan is secured with money in your savings (Share) account. This is a low risk way to borrow money and still receive interest on the money in your savings account. Additionally, you can use a share secured loan to establish a credit history as you repay the loan.

  • Funds in savings accounts are used to secure the loan, as loan is paid down, funds in savings account become available.
  • 2% over share rate
  • Terms up to 60 months

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Personal Loan Rates

To view the rates of all our personal loans, click here.

Personal Loan Payment Examples

To view the payment examples of all our personal loans, click here.

Personal Loans: * APR=Annual Percentage Rate. Loan Rates as of 11/01/20. Applicants are subject to credit approval and PFCU underwriting guidelines. Actual rates may vary on Personal Loan Products. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Consumer Loans: * APR=Annual Percentage Rate. Loan Rates as of 09/01/20. Actual rates may vary on Personal Loan Products. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Share Secured: * APY=Annual Percentage Yield. APYs are effective as of 11/01/20 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). Transaction limitations on savings/share account: During any month, you may not make more than six (6) electronic transfers between accounts at PFCU, accounts at other financial institutions or third-party payments.  Electronic transfers include preauthorized, automatic (overdraft), computer (online), ATM and phone transfers. You are not able to exceed the transfer limitation set forth above. Electronic transfers scheduled to occur after the threshold of 6 has been reached will be rejected.

Not responsible for typographical errors.

To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.

Become a Member Today

We are a not-for-profit, full-service financial institution open to anyone who lives, works, worships or goes to school in Morris County. We are proud to offer all the benefits, products, technology, security and convenience of a big bank -- without the big bank headaches, bureaucracy or hidden fees. Join us today!
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