Loan Rates

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Vehicle

Vehicle Loans

Let us help you save money by refinancing your car!  Call 1.847.697.3281 and ask to speak to a loan officer today!

EXAMPLE
$20,000 Loan, 60 Months

INTEREST
•At 5.0% APR: $2,647.15
•At 3.5% APR: $1,831.22
SAVINGS $815.93

Subject to qualification. Restrictions apply. For loan amounts of $10,000 or more for 36 months or more. Floor rate is 1.75% APR.  Refinance is for remaining term.  Offer does not apply to existing PFCU auto loans. Offer expires Dec. 31, 2021. Documentation of current loan must be presented.  *APR = Annual Percentage Rate.

All rates are subject to change.

Vehicle Loans, As Low As
Loan Term Model Years 2020-2022 Model Years 2017-2019
36 Months 1.75% APR* 2.75% APR*
48 Months 2.25% APR* 3.25% APR*
60 Months 2.75% APR* 3.75% APR*
72 Months 3.25% APR* 4.25% APR*
84 Months 3.75% APR*

Rates listed above are “as low as” or the lowest rates available for the term/model year.  Your rate is based on credit score/history and term of loan and may not qualify for the lowest possible rate.  

View All Rates by Clicking Here

 

2016 and older vehicles are also available for financing.  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.

*APR=Annual Percentage Rate

Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans are subject to approval.
Credit Financing Example:

A loan with an APR of 1.75% APR for a 36-month term would result in a monthly payment of approximately $28.53 per $1,000 borrowed.     
A loan with an APR of 3.75% APR for an 84-month term would result in a monthly payment of approximately $13.56 per $1,000 borrowed.                     
A loan with an APR of 7.99% for a 36-month term would result in a monthly payment of approximately $31.33 per $1,000 borrowed. 

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
Recreational Vehicle Loans Model Years Rate – APR
Land Vehicles (motorcycles, ATV’s, etc.) Up to 72 months 2020 – 2022 3.49% – 11.29%
Land Vehicles (motorcycles, ATV’s, etc.) Up to 60 months 2017 – 2019 4.49% – 11.99%
Land Vehicles (motorcycles, ATV’s, etc.) Up to 36 months 2013 – 2016 6.49% – 13.49%
Water Vehicles (wave runners, etc.) Up to 72 months 2020 – 2022 4.29% – 10.99%
Water Vehicles (wave runners, etc.) Up to 36 months 2017 – 2019 4.79% – 12.79%
Water Vehicles (wave runners, etc.) Up to 36 months 2011 – 2015 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.

 

 

First Mortgages

Shopping for a Mortgage? Here is an example of today’s rates:

Rates Effective October 27, 2021 8:00 am (CST) and are subject to change.

  RATE  APR
• 30 Year Fixed Rate  Call for Rate N/A
• 20 Year Fixed Rate  Call for Rate N/A
• 15 Year Fixed Rate  Call for Rate N/A

Rates are subject to current market conditions and may change accordingly. The interest rates quoted are based on a loan amount => $150,000 , a single-family detached home, purchase or no cash-out refinance, with a credit score of 740 or better and a Loan to Value equal to or less than 80%.

Please Note:  The recent cut in the Fed Rate does not influence first mortgage loan products.

  • New purchasing and refinancing available
  • Terms available between 5-30 years
  • Fixed and adjustable rates
  • FHA Loans

Click here for more rates and terms

Home Equity

Home Equity Adjustable Rate Line of Credit Loans

NMLS#409351

Home Equity Adjustable Rate Line of Credit Loans
Prime Rate=3.25% APR* Equity Line of Credit
½ Under Prime 4.00% APR 80% Minimum – $100,000
Prime 4.00% APR 80% Minimum – $75,000
½ Over Prime 4.00% APR 80% Minimum – $10,000

Rates will never exceed 18% or be lower than 4% with equity of 80%

Home Equity Fixed Rate loans

NMLS#409351

Home Equity Fixed Rate Loans
Term Rate
5 Years As low as 5.00% APR
10 Years As low as 5.25% 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 12/15 your rate will adjust on 01/01.
*Annual Percentage Rate

Prime Rate as of 9/30/2020 as listed in the Wall Street Journal is 3.25%                                       
APR= Annual Percentage Rate.                                                                                     
Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans subject to approval.

Credit Financing Examples:                                                                                         
A loan with an APR of 4.00% for a 180-month term would result in a monthly payment of approximately $7.40 per $1,000 borrowed. 
A loan with an APR of 4.25% for a 180-month term would result in a monthly payment of approximately $7.53 per $1,000 borrowed. 
A loan with an APR of 5.00% for a 180-month term would result in a monthly payment of approximately $7.91 per $1,000 borrowed.
A loan with an APR of 5.25% for a 180-month term would result in a monthly payment of approximately $8.04 per $1,000 borrowed.    

 

 

Personal

Personal Loans

 

Up to 60 Months
7.99% – 16.99% APR
Example: 24 monthly payments of $46.07 per $1,000.00 borrowed at 9.99% APR

Share Secured Loan

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

Overdraft Protection
17.90% APR
Example: Minimum payment is $25.00 or 5% of the loan balance whichever is greater

VISA

VISA Credit Cards

Credit card accounts opened between 10/1/21 through 11/30/21 will receive 0.00% APR* for 6 months on retail purchases and balance transfers. After the promotional time frame expires, the remaining balances will migrate to the standard APR applicable on your account. Contact us for complete details. *Annual Percentage Rate

For more information about our VISA introductory promotion, click here.

VISA Credit Cards
VISA Programs Annual Service Charge APR
VISA – No Rewards $0.00 9.90% – 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

 

RV and Boat
RV and Boat Loans Model Years Rate – APR
12 – 120 Months 2020 – 2022 5.79% – 8.29% APR
12 – 84 Months 2017– 2019 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

APR=Annual Percentage Rate

Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, and collateral conditions. All loans are subject to approval.               
Credit Financing Example:
A loan with an APR of 5.79%% APR for a 36-month term would result in a monthly payment of approximately $30.33 per $1,000 borrowed.         
A loan with an APR of 8.29% APR for a 120-month term would result in a monthly payment of approximately $12.29 per $1,000 borrowed.

 

Questions? For detailed information, please contact one of our loan officers at 847.MYPFCU1 / 847.697.3281 or loans@mypfcu.org.