Loan Rates Consumer Loans for all your personal needs

At PFCU, we offer fixed-rate, fixed-term loan rates that meet your personal needs. PFCU Consumer Loans can allow you to consolidate high interest rate debt, make a major purchase, or pay for an unexpected expense. Our lending team and our loan products can help you get to your financial destination.

Consumer Loans

Type of LoanMaximumTermsAPR*Action

* APR=Annual Percentage Rate. Loan Rates as of 03/01/17.
Actual rates may vary on Personal Loan Products.
Not responsible for typographical errors.

Overdraft ProtectionLoan up to $3,000Not to exceed 24 Months from last overdraft10.99% Apply
Share SecuredShares on DepositUp to 60 Months2.00% above share dividend rate Apply
PersonalTotal not to exceed $15,000Up to 36 Monthsas low as 7.99% Apply
Total not to exceed $15,00037-60 Monthsas low as 9.99% Apply
Vacation/HolidayUp to $3,00012 Months10.00% Apply
Personal Loan Payment Example:
As low as 9.99% APR for 60 months
Per $15,000 borrowed
$318.76 per month
Per $1000 borrowed
$21.26 per month

Vehicle Loans

Type of LoanMaximumTermsAPR*Action

* APR=Annual Percentage Rate. Loan Rates as of 03/01/17.
Actual rates may vary on New & Used Vehicle Loan Products.
Vehicle financing is available for used vehicles up to 10 years old. The maximum term for used vehicles 8 to 10 years old is 60 months.
Not responsible for typographical errors.

New Vehicle (Car, Truck, Van)100% of purchase price, including sales tax48 Monthsas low as 1.74% Apply
100% of purchase price, including sales tax60 Monthsas low as 1.99% Apply
Used Vehicle (Car, Truck, Van)Loan not to exceed NADA book retail value48 Monthsas low as 2.24% Apply
Loan not to exceed NADA book retail value60 Monthsas low as 2.49% Apply
New Motorcycle100% of purchase price, including sales tax36 Months5.50% Apply
100% of purchase price, including sales tax60 Months5.50% Apply
Used MotorcycleLoan not to exceed NADA book retail value36 Months5.75% Apply
New Vehicle Loan Payment Example:
As low as 1.99% APR for 60 months.

See All Payment Examples

Per $15,000 borrowed
$262.98 per month
Per $1,000 borrowed
$17.54 per month

Recreational Vehicle Loans

Type of LoanMaximumTermsAPR*Action

* APR=Annual Percentage Rate. Loan Rates as of 03/01/17.
Actual rates may vary on Recreational Vehicle Loan Products.
Not responsible for typographical errors.

New Boat80% of purchase price plus sales tax not to exceed $50,000Up to 24 Monthsas low as 5.50% Apply
80% of purchase price plus sales tax not to exceed $50,000Up to 60 Monthsas low as 5.50% Apply
Used BoatLoan not to exceed NADA book retail value plus sales taxUp to 24 Monthsas low as 5.75% Apply
Loan not to exceed NADA book retail value plus sales taxUp to 60 Monthsas low as 5.75% Apply
New Motor Home (Self Driven or Towed)80% of purchase price sales tax not to exceed $50,00024 Months5.50% Apply
80% of purchase price sales tax not to exceed $50,00060 Months5.50% Apply
Used Motor Home (Self Driven or Towed)Loan not to exceed NADA average loan value or 80% of average NADA retail value plus sales tax. Not to exceed $5000024 Months5.75% Apply
Loan not to exceed NADA average loan value or 80% of average NADA retail value plus sales tax. Not to exceed $5000060 Months5.75% Apply
Recreational Vehicle Loan Payment Example:
As low as 5.00% APR for 60 months
See All Payment Examples
Per $15,000 borrowed $283.20 per monthPer $1000 borrowed $18.88 per month Apply

Home Equity Loans

Type of LoanMinimumMaximumTermsAPR*Action

* APR=Annual Percentage Rate. Loan Rates as of 03/01/17.

** The APR for all Equity Lines of Credit may vary and is based on the U.S. prime rate as published in the The Wall Street Journal. The minimum "floor" APR on all Equity Lines of Credit is 4.0% and the maximum APR that can apply is 18%

Not responsible for typographical errors.

Home Equity Loan, Fixed Rate$15,000 Minimum$250,000 Maximum5 Years3.75% Apply
PFCU Flex - Line Of Credit**$15,000 Minimum$250,000 Maximum30 YearsPrime Rate Floor: 4.00% Apply
Home Equity Loan - Prime LOC**$15,000 Minimum$250,000 Maximum15 YearsPrime Rate Floor: 4.00% Apply
Home Equity Loan Payment Example:
As low as 4.25% APR for 120 months
See All Payment Examples
Per $15,000 borrowed
$153.72 per month
Per $1000 borrowed
$10.26 per month

Credit Cards

CardCredit LineAPR* PurchasesAPR Cash AdvancesAnnual FeeAction

* APR=Annual Percentage Rate. Loan Rates as of 03/01/17.

Not responsible for typographical errors.

Visa Platinum Rewards$500-$15,0009.90%10.90%None $0 Apply

Mortgages

View Today’s Mortgage Rates »