Loan Rates

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Vehicle

Vehicle Loans

All rates are subject to change.

Vehicle Loans
Vehicle Loans Model Years Rate – APR
12 – 84 Months 2018 – 2020 1.95% – 10.24% APR
12 – 60 Months 2015 – 2017 3.49% – 11.24% APR
12 – 36 Months 2011– 2014 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.

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 Example:
A loan with an APR of 1.95% APR for an 36-month term would result in a monthly payment of approximately $28.62 per $1,000 borrowed.     
A loan with an APR of 4.49% APR for an 84-month term would result in a monthly payment of approximately $13.90 per $1,000 borrowed.                                                               
A loan with an APR of 13.49% for a 36-month term would result in a monthly payment of approximately $33.93 per $1,000 borrowed. 

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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
Recreational Vehicle Loans Model Years Rate – APR
Land Vehicles (motorcycles, ATV’s, etc.) Up to 72 months 2017 – 2020 3.49% – 11.29%
Land Vehicles (motorcycles, ATV’s, etc.) Up to 60 months 2014 – 2016 4.49% – 11.99%
Land Vehicles (motorcycles, ATV’s, etc.) Up to 36 months 2010 – 2013 6.49% – 13.49%
Water Vehicles (wave runners, etc.) Up to 72 months 2017 – 2020 4.29% – 10.99%
Water Vehicles (wave runners, etc.) Up to 36 months 2014 – 2016 4.79% – 12.79%
Water Vehicles (wave runners, etc.) Up to 36 months 2009 – 2013 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? 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

View our First Mortgage Rates

Home Equity

Home Equity Adjustable Rate Line of Credit Loans

NMLS#409351

Home Equity Adjustable Rate Line of Credit Loans
Prime Rate=5.00% APR* Equity Line of Credit
½ Under Prime 4.50% APR 65% Minimum – $100,000
Prime 5.00% APR 65% Minimum – $75,000
½ Over Prime 5.50% APR 65% Minimum – $10,000

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

Home Equity Adjustable Rate Line of Credit Loans
Prime Rate=5.00% 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 5.50% APR 80% Minimum – $10,000

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

Home Equity Fixed Rate loans

NMLS#409351

Home Equity Fixed Rate Loans
Term Rate
5 Years As low as 5.25% APR
10 Years As low as 5.50% 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

Prime Rate as of 9/30/19 as listed in the Wall Street Journal is 5.00%                                       
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 4.50% for a 180-month term would result in a monthly payment of approximately $7.65 per $1,000 borrowed. 
A loan with an APR of 5.00% for a 18-month term would result in a monthly payment of approximately $7.91 per $1,000 borrowed. 
A loan with an APR of 5.50% for a 18-month term would result in a monthly payment of approximately $8.17 per $1,000 borrowed.
A loan with an APR of 6.00% for a 18-month term would result in a monthly payment of approximately $8.45 per $1,000 borrowed.    

 

 

Personal

Personal Loans

 

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

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

 

VISA Credit Cards
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

 

RV and Boat
RV and Boat Loans Model Years Rate – APR
12 – 120 Months 2017 – 2020 5.79% – 8.29% APR
12 – 84 Months 2014 – 2016 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 subject to approval.               
Credit Financing Example:
A loan with an APR of 5.79%% APR for an 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 an 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.