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Auto Loan Rates
Collateral Secured Loans
| Term | APR |
|---|---|
| Please contact a PCMCU lender for additional rate information | |
72 Month Fixed Term
Other Terms Available:
|
4.24% |
*Add 1% to rate if credit score is 636 to 734
|
|
We do business in accordance with the Federal Fair Housing Law
and the Equal Credit Opportunity Act.
- Life and Disability Insurance is available on most loans.
- Members with credit scores of 635 or less may be subject to a higher rate. This applies to all types of loans listed.
- APR = Annual Percentage Rate; all rates are subject to change without notice.
Personal Loan Rates
Signature (Unsecured)
| Term | APR |
|---|---|
| 60 Month Max Fixed Term | 7.49% |
*Add 1% to rate if credit score is 636 to 734
|
|
Kwik Cash
| Term | APR |
*Add 1% to rate if credit score is 636 to 734
|
7.49% |
Savings Secured
| Term | |
| 2.0% spread over deposit rate received |
Unsecured Home Improvement Loan
| Term | APR |
| Up to 7 years | 6.49% |
We do business in accordance with the Federal Fair Housing Law
and the Equal Credit Opportunity Act.
- Life and Disability Insurance is available on most loans.
- Members with credit scores of 635 or less may be subject to a higher rate. This applies to all types of loans listed.
- APR = Annual Percentage Rate; all rates are subject to change without notice.
Home Loan Rates
We offer great Fixed Rate Options at PCMCU!
| Term | Rate | APR | |
|---|---|---|---|
|
PCMCU Fixed Rate Mortgage Options |
|||
|
10 Year Fixed Rate |
4.25% |
4.284% |
|
|
15 Year Fixed Rate |
3.625% |
3.647% |
|
|
20 Year Fixed Rate |
4.125% |
4.145% |
|
|
30 Year Fixed Rate |
4.125% |
4.139% |
|
| PCMCU Adjustable Rate Mortgage Options* | |||
| 15 Year Amortization | 4.25% | 4.276% | |
| 20 Year Amortization | 4.25% | 4.271% | |
| 30 Year Amortization | 4.49% | 4.506% | |
*Loan is a fixed rate for 7 years. The maximum annual adjustment after the 7th year is 1%. The maximum lifetime adjustment is 4%. Private Mortgage Insurance (PMI) may be required, which will affect the APR. Escrow account may be required depending on loan to value. APR=Annual Percentage Rate listed is based on a $100,000 loan. Please contact a PCMCU loan officer for complete details on all mortgage options available.
Down Payment Options:Home loans for purchase require as little as 3% down payment. DOWN PAYMENT PLUS!You may qualify for up to $6,000 to use toward down payment and closing costs! Closing Costs as LOW as $899!Maximum $899 in closing costs on NEW money refinance and purchase |
|||
Home Equity Rates
Home Equity Loan
| Loan Amount | APR |
|---|---|
| 80% Max Loan to Value | 4.99% |
Please contact the credit union, as certain closing costs may apply. Contact your tax advisor to determine if your interest will be tax deductible. |
|
Equity Edge Loan
| Loan Amount | APR |
|---|---|
| 100% Max Loan to Value | 5.99% |
Home Equity Line of Credit
| Loan Amount | APR |
|---|---|
| 80% Max Loan to Value Variable Rate – Prime + 0%* |
4.99% Minimum APR 4.49% Maximum APR 11.00% |
*Variable rates adjust quarterly according to the Wall Street Journal Prime.
|
|
Equity Edge Line of Credit
| Loan Amount | APR |
|---|---|
| 100% Max Loan to Value Variable Rate – Prime + 1%* |
5.99% Min. APR 5.49% Max APR 11.00% |
*Variable rates adjust quarterly according to the Wall Street Journal Prime.
Fixed Rate Line of Credit
| Loan Amount | APR |
|---|---|
| 100% Max Loan to Value | 7.49% APR |
Payment equals 2% of the outstanding loan balance or $50, whichever is greater. |
|
Credit Card Rate
| Card Type | APR |
|---|---|
| MasterCard Copper | 9.88% |
| MasterCard Platinum Rewards | 9.88% |
We do business in accordance with the Federal Fair Housing Law
and the Equal Credit Opportunity Act.
- Life and Disability Insurance is available on most loans.
- Members with credit scores of 635 or less may be subject to a higher rate. This applies to all types of loans listed.
- APR = Annual Percentage Rate; all rates are subject to change without notice.
Construction Loan Rate
| Term | APR |
|---|---|
| 6 month | 4.49% |
We do business in accordance with the Federal Fair Housing Law
and the Equal Credit Opportunity Act.
- Life and Disability Insurance is available on most loans.
- Members with credit scores of 635 or less may be subject to a higher rate. This applies to all types of loans listed.
- APR = Annual Percentage Rate; all rates are subject to change without notice.
Vacant Land Rate
| Vacant Land Recreational Property | APR |
|---|---|
| 90% Max LTV Purchase | 4.99% |
| 80% Max LTV Refinance | 4.99% |
We do business in accordance with the Federal Fair Housing Law
and the Equal Credit Opportunity Act.
- Life and Disability Insurance is available on most loans.
- Members with credit scores of 635 or less may be subject to a higher rate. This applies to all types of loans listed.
- APR = Annual Percentage Rate; all rates are subject to change without notice.