Loan Rates

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Home Equity Adjustable Rate Line of Credit Loans

Rates Effective 6/30/2017

  APR* Equity Line of Credit
½ Under Prime 4.00% APR 65% Minimum – $100,000
Prime 4.25% APR 65% Minimum – $75,000
½ Over Prime 4.75% APR 65% Minimum – $10,000

Rates will never exceed 18% or be lower than 4% with equity of 65%

  APR* Equity Line of Credit
½ Under Prime 5.00% APR 80% Minimum – $100,000
Prime 5.00% APR 80% Minimum – $75,000
½ Over Prime 5.00% APR 80% Minimum – $10,000

Rates will never exceed 18% or be lower than 5% with equity of 80%

Home Equity Fixed Rate loans

Rates Effective 6/30/2017 NMLS#409351

5 Years As low as 4.25% APR
10 Years As low as 4.75% APR

*Subject to PFCU lending guidelines. Rates are based on credit scores. Some conditions apply.
*Annual Percentage Rate

 

Please note: The rates on Home Equity Line Credit Accounts adjust on the first day following the end of a quarter. For example: If Prime changes on 1/15 your rate will adjust on 4/1.

*Annual Percentage Rate

Vehicle Loans

Rates Effective 6/30/2017 All Rates Are Subject To Change

Vehicle Loans Model Years Rate – APR
12 – 72 Months 2015 – 2017 1.95% – 9.50% APR
12 – 60 Months 2012 – 2014 2.50% – 10.50% APR
12 – 36 Months 2007– 2011 4.95% – 11.95% APR

Rates are based on credit score and term of loan. Standard PFCU guidelines apply. 

72 month financing applies to loans greater than $25,000

Please note: Vehicle loans currently financed at Partnership Financial Credit Union are not eligible to refinance for the lower rate at Partnership Financial Credit Union.

 

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Extended Warranty Financing

Extended warranties can be financed for up to 18 months for borrowers with credit scores of 600 or above.
If the extended warranty is purchased in conjunction with the vehicle loan, the rate will be the same as the vehicle loan rate. If purchased after the vehicle loan is funded or not in conjunction with a vehicle loan the interest rate will be. 8.50% APR. 

 

Recreational Vehicle Loans

Recreational Vehicle Loans Model Years Rate – APR
Land Vehicles (motorcycles, ATV’s, etc.) Up to 72 months 2015 – 2017 3.45% – 11.00%
Land Vehicles (motorcycles, ATV’s, etc.) Up to 60 months 2012 – 2014 4.00% – 12.00%
Land Vehicles (motorcycles, ATV’s, etc.) Up to 36 months 2007 – 2011 6.45% – 13.45%
Water Vehicles (boats, wave runners, etc.) Up to 72 months 2015 – 2017 3.95% – 11.50%
Water Vehicles (boats, wave runners, etc.) Up to 36 months 2012 – 2014 4.50% – 12.50%
Water Vehicles (boats, wave runners, etc.) Up to 36 months 2007 – 2011 6.95% – 13.45%

Estimate your payment – Loan Payment Calculator

*Annual Percentage Rate subject to PFCU lending guidelines. Rates are based on credit scores. Some conditions apply. Closed end loans.

 

 

Personal Loans

Rates Effective 6/30/2017

Up to 60 Months
7.95% – 18.99% APR
Example: 36 monthly payments of $52.19 per $1,000.00 borrowed at 7.95% APR

Share Secured Loan

Rates Effective 6/30/2017

Up to 60 Months
1.95% APR
Example: 24 monthly payments of $43.42 per $1,000.00 borrowed at 3.99% APR

Checking Line of Credit

Rates Effective 6/30/2017

Overdraft Protection
15.90% APR
Example: Minimum payment is $25.00 or 5% of the loan balance whichever is greater

VISA Credit Cards

Rates Effective 6/30/2017

VISA Programs Annual Fee APR
VISA – No Rewards $0.00 5.90% – 18.00%
*VISA – With Rewards $0.00 12.80%

*Rewards program applies to eligible members who qualify for the full limit being applied for with a minimum limit of $5,000. Minimum credit score restrictions apply. Eligibility criteria for rewards program must be met.

Rates are subject to risk based pricing. Minimum credit score restrictions apply. Standard PFCU underwriting guidelines apply.

RV and Boat

Rates effect 6/30/2017

RV and Boat Loans Model Years Rate – APR
12 – 120 Months 2015 – 2017 5.50% – 7.25% APR
12 – 84 Months 2012 – 2014 5.75% – 7.75% APR

Rates are based on credit score and term of loan. Standard PFCU guidelines apply.

Please note: RV and Boat loans currently financed at Partnership Financial Credit Union are not eligible to refinance for the lower rate at Partnership Financial Credit Union. 

Estimate your payment – Loan Payment Calculator