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Auto Loan Rates
Collateral Secured Loans
| Term | APR | Cost/$1000 |
|---|---|---|
| Please contact a PCMCU lender for additional rate information | ||
72 Month Fixed Term
Other Terms Available: *Add 1% to rate for 73 month to 84 month terms |
3.99% | $14.13 |
*Add 1% to rate if credit score is 636 to 734 *Add 2% to rate if credit score is 635 or less *Add 1% to rate if collateral is valued under $10,000 *Add 1% to rate for 73 month to 84 month terms |
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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 | Cost/$1000 |
|---|---|---|
| 60 Month Max Fixed Term | 7.49% | $20.03 |
*Add 1% to rate if credit score is 636 to 734 *Add 3% to rate if credit score is 635 or less |
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Kwik Cash
| Term | APR | Cost/$1000 |
| Base Rate | 7.49% | $20.00 |
*Add 1% to rate if credit score is 636 to 734 *Add 3% to rate if credit score is 635 or less |
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Savings Secured
| Term | |
| 2.0% spread over deposit rate received |
Equity Edge Unsecured Home Improvement Loan
| Term | APR | Cost/$1000 |
| Up to 7 years | 5.75% | $10.98 |
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 | Cost/$1000 | |
|---|---|---|---|---|
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PCMCU Fixed Rate Mortgage Options |
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|
10 Year Fixed Rate |
3.49% |
3.613% |
$9.88 |
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| Fannie Mae Fixed Rate Mortgages |
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15 Year Fixed Rate – Fannie Mae Loan |
3.000% |
3.018% |
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20 Year Fixed Rate – Fannie Mae Loan |
3.500% |
3.516% |
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30 Year Fixed Rate – Fannie Mae Loan |
3.500% |
3.512% |
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Rates may vary based on credit score, amount of equity and purpose of the loan. Rates are subject to change at any time. |
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| PCMCU Adjustable Rate Mortgage Options* | ||||
| 15 Year Amortization | 3.75% | 3.937% | $7.27 | |
| 20 Year Amortization | 3.75% | 3.964% | $5.93 | |
| 30 Year Amortization | 3.99% | 4.113% | $4.77 | |
*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.Apply online and choose your PCMCU loan officerSpeak with your chosen loan officer about what mortgage options are best for your financial needs.
Down Payment Options:Home loans for purchase require as little as 3% down payment. 10% down payment loans are still available with no PMI. Please contact a PCMCU loan officer for complete details. DOWN PAYMENT PLUS!You may qualify for up to $6,000 to use toward down payment and closing costs! Home buyers must meet income eligibility requirements and: • Contribute at least $1,000 to the purchase of the home • Complete pre-purchase home buyer education • Live in the home as your primary residence Please call PCMCU and ask to speak to a member of our lending team to see if you qualify. Closing Costs as LOW as $899!Maximum $899 in closing costs on NEW money refinance and purchase Not available for Fannie May loans |
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Home Equity Rates
Home Equity Loan
| Loan Amount | Rate | APR | Cost/$1000 |
|---|---|---|---|
| 80% Max Loan to Value | 4.49% | 4.912% | $7.65 |
Please contact the credit union, as certain closing costs may apply. Contact your tax advisor to determine if your interest will be tax deductible. |
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Equity Edge Loan
| Loan Amount | Rate | APR | Cost/$1000 |
|---|---|---|---|
| 100% Max Loan to Value | 5.49% | 5.909% | $8.16 |
Home Equity Line of Credit
| Loan Amount | APR | Cost/$1000 |
|---|---|---|
| 80% Max Loan to Value Variable Rate – Prime + 0%* | 4.75% Min. APR 4.49% Max. APR 11.00% | $10.00 |
*Variable rates adjust quarterly according to the Wall Street Journal Prime. Please contact the credit union, as certain closing costs may apply. Contact your tax advisor to determine if your interest will be tax deductible. |
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Equity Edge Line of Credit
| Loan Amount | APR | Cost/$1000 |
|---|---|---|
| 100% Max Loan to Value Variable Rate – Prime + 1%* | 5.49% Min. APR 5.49% Max APR 11.00% | $10.00 |
*Variable rates adjust quarterly according to the Wall Street Journal Prime. |
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Fixed Rate Line of Credit
| Loan Amount | APR | Cost/$1000 |
|---|---|---|
| 100% Max Loan to Value | 7.49% APR | $20.00 |
Payment equals 2% of the outstanding loan balance or $50, whichever is greater. |
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Credit Card Rate
| Credit Card | APR | Cost/$1000 |
|---|---|---|
| MasterCard Copper | 9.88% | $20.00 |
| MasterCard Platinum Rewards | 9.88% | $20.00 |
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 | Cost/$1000 | |
|---|---|---|
| 6 month Call for details | 3.99% | $6.65 |
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 | Rate | APR | Cost/$1000 |
|---|---|---|---|
| Based on 15 year term | |||
| 90% Max LTV Purchase | 4.49% | 4.912% | $7.65 |
| 80% Max LTV Refinance | 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.