First Mortgages
Shopping for a Mortgage? Check out what PFCU has to offer first.
- New purchasing and refinancing available
- Terms available between 5-30 years
- Fixed and adjustable rates
- FHA Loans
Home Equity
Home Equity Adjustable Rate Line of Credit Loans
Rates Effective 12/31/2018 NMLS#409351
| Prime Rate | APR* | Equity | Line of Credit |
|---|---|---|---|
| ½ Under Prime | 5.00% APR | 65% | Minimum – $100,000 |
| Prime | 5.50% APR | 65% | Minimum – $75,000 |
| ½ Over Prime | 6.00% APR | 65% | Minimum – $10,000 |
Rates will never exceed 18% or be lower than 4% with equity of 65%
| Prime Rate | APR* | Equity | Line of Credit |
|---|---|---|---|
| ½ Under Prime | 5.00% APR | 80% | Minimum – $100,000 |
| Prime | 5.50% APR | 80% | Minimum – $75,000 |
| ½ Over Prime | 6.00% 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 12/31/2018 NMLS#409351
| Term | Rate |
|---|---|
| 5 Years | As low as 5.75% APR |
| 10 Years | As low as 6.00% 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
Vehicle Loans
Rates Effective 1/31/2019 All Rates Are Subject To Change
| Vehicle Loans | Model Years | Rate – APR |
|---|---|---|
| 12 – 84 Months | 2017 – 2019 | 1.95% – 10.24% APR |
| 12 – 60 Months | 2014 – 2016 | 3.49% – 11.24% APR |
| 12 – 36 Months | 2010– 2013 | 5.99% – 12.99% APR |
Rates are based on credit score and term of loan. Standard PFCU guidelines apply.
72 – 84 month financing applies to loans greater than $25,000. 84 month financing may require Gap Insurance
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.
Estimate your payment – Loan Payment Calculator
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 | 2016 – 2018 | 3.49% – 11.29% |
| Land Vehicles (motorcycles, ATV’s, etc.) Up to 60 months | 2013 – 2015 | 4.49% – 11.99% |
| Land Vehicles (motorcycles, ATV’s, etc.) Up to 36 months | 2009 – 2012 | 6.49% – 13.49% |
| Water Vehicles (wave runners, etc.) Up to 72 months | 2016 – 2018 | 4.29% – 10.99% |
| Water Vehicles (wave runners, etc.) Up to 36 months | 2013 – 2015 | 4.79% – 12.79% |
| Water Vehicles (wave runners, etc.) Up to 36 months | 2008 – 2012 | 7.49% – 13.49% |
Estimate your payment – Loan Payment Calculator
*Annual Percentage Rate subject to PFCU lending guidelines. Rates and terms are based on credit scores. Some conditions apply. Closed end loans.
Personal
Personal Loans
Rates Effective 1/31/2019
Up to 60 Months
7.99% – 17.99% APR
Example: 24 monthly payments of $46.07 per $1,000.00 borrowed at 9.99% APR
Share Secured Loan
Rates Effective 1/31/2019
Up to 60 Months
1.95% APR
Example: 24 monthly payments of $42.52 per $1,000.00 borrowed at 1.95% APR
Checking Line of Credit
Rates Effective 1/31/2019
Overdraft Protection
17.90% APR
Example: Minimum payment is $25.00 or 5% of the loan balance whichever is greater
VISA
VISA Credit Cards
Rates Effective 1/31/2019
| VISA Programs | Annual Fee | APR |
|---|---|---|
| VISA – No Rewards | $0.00 | 7.90% – 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
RV and Boat
Rates Effective 1/31/2019
| RV and Boat Loans | Model Years | Rate – APR |
|---|---|---|
| 12 – 120 Months | 2016 – 2018 | 5.79% – 8.29% APR |
| 12 – 84 Months | 2013 – 2017 | 6.29% – 7.99% APR |
Rates and terms 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
