Vehicle
Vehicle Loans
All rates are subject to change.
| Loan Term | Model Years 2023-2025 | Model Years 2019-2022 |
| 36 Months | 3.75% APR* | 4.25% APR* |
| 48 Months | 4.25% APR* | 4.75% APR* |
| 60 Months | 4.75% APR* | 5.25% APR* |
| 72 Months | 5.25% APR* | 5.75% APR* |
| 84 Months | 5.75% APR* | – |
Rates listed above are “As Low As For Well Qualified Borrowers” 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
2014 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 3.25% APR for a 36-month term would result in a monthly payment of approximately $29.19 per $1,000 borrowed.
A loan with an APR of 5.25% APR for an 84-month term would result in a monthly payment of approximately $14.25 per $1,000 borrowed.
A loan with an APR of 7.75% for a 36-month term would result in a monthly payment of approximately $31.22 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 | Model Years | Rate – APR |
|---|---|---|
| Land Vehicles (motorcycles, ATV’s, etc.) Up to 72 months | 2025 – 2023 | 6.25% – 16.00% |
| Land Vehicles (motorcycles, ATV’s, etc.) Up to 60 months | 2022 – 2019 | 7.50% – 16.50% |
| Land Vehicles (motorcycles, ATV’s, etc.) Up to 36 months | 2018 – 2015 | 10.75% – 16.99% |
| Water Vehicles (wave runners, etc.) Up to 72 months | 2025 – 2023 | 8.00% – 15.50% |
| Water Vehicles (wave runners, etc.) Up to 60 months | 2022 – 2019 | 8.75% – 17.99% |
| Water Vehicles (wave runners, etc.) Up to 36 months | 2018 and older | 10.99% – 17.99% |
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:
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Rates Effective Jan. 1, 2025, 8:00 am (CST) and are subject to change.
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%.
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- 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
Existing PFCU loans are not eligible for the 3.99% APR promotion.
NMLS#409351
| Prime Rate=7.50% | APR* | Equity | Line of Credit |
|---|---|---|---|
| ½ Under Prime | 7.00% APR | 80% | Minimum – $100,000 |
| Prime | 7.50% APR | 80% | Minimum – $75,000 |
| ½ Over Prime | 8.00% 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
| Term | Rate |
|---|---|
| 5 Years | As low as 9.00% APR For Well Qualified Borrowers |
| 10 Years | As low as 9.25% APR For Well Qualified Borrowers |
*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 1/1/2025 as listed in the Wall Street Journal is 7.50%
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 7.00% for a 180-month term would result in a monthly payment of approximately $8.99 per $1,000 borrowed.
A loan with an APR of 7.50% for a 180-month term would result in a monthly payment of approximately $9.27 per $1,000 borrowed.
A loan with an APR of 8.00% for a 180-month term would result in a monthly payment of approximately $9.56 per $1,000 borrowed.
Personal
Personal Loans
Up to 60 Months
10.99% – 16.99% APR
Example: 24 monthly payments of $46.60 per $1,000.00 borrowed at 10.99% APR
Share Secured Loan
12-24 Months: 4.25% APR
25-36 Months: 4.50% APR
37-60 Months: 4.75% APR
Example: 24 monthly payments of $43.54 per $1,000.00 borrowed at 4.25% 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
For more information about our VISA introductory promotion, click here.
| VISA Programs | Annual Service Charge | APR |
|---|---|---|
| VISA – No Rewards | $0.00 | Please Call 847.697.3281. |
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 Loans | Model Years | Rate – APR |
|---|---|---|
| 36 – 120 Months | 2025 – 2023 | 8.75% – 12.25% APR |
| 36 – 84 Months | 2022 – 2019 | 9.00% – 12.25% 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 8.75% APR for a 36-month term would result in a monthly payment of approximately $31.68 per $1,000 borrowed.
A loan with an APR of 12.25% APR for a 120-month term would result in a monthly payment of approximately $14.49 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.
