Download The App
TODAY!

Available for Apple or Android mobile devices.

No Thanks
skip side callouts

Confirm Navigation

This link will open up a new window and load the following page from an external website:

By clicking Continue you will be redirected from PCM Credit Union’s website to an externally-hosted website that is not controlled or affiliated with the credit union. PCM Credit Union is not responsible for the content or availability of linked third-party websites. Please be aware that the internal privacy and/or security controls of linked third-party websites may differ from those practiced by PCM Credit Union. Please be further advised that in the event a transaction takes place between you and the third-party host of the linked website, that PCM Credit Union does not represent the interests of either party in any such transaction.

Loan rates

Auto Loan Rates

Collateral Secured Loans

Term APR Cost/$1000
Please contact a PCMCU lender for additional rate information
48 Month Fixed Term 2.99% $22.13
49-72 Month Fixed Term 3.25% $15.31
73-84 Month Fixed Term  4.25% $13.78
*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 

May qualify for a .25% rate discount. Please contact a loan officer for details.

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

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

 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

PCMCU Fixed Rate Mortgage Options

10 Year Fixed Rate

2.99%

3.023%

$9.65

Fannie Mae Fixed Rate Mortgages

 

 

 

15 Year Fixed Rate – Fannie Mae Loan

2.750%

2.766%

 

20 Year Fixed Rate – Fannie Mae Loan

3.250% 3.265%

 

30 Year Fixed Rate – Fannie Mae Loan

3.250%

3.261%

 

Rates may vary based on credit score, amount of equity and purpose of the loan. Rates are subject to change at any time.
PCMCU Adjustable Rate Mortgage Options*
15 Year Amortization 3.25% 3.504% $7.03
20 Year Amortization 3.49% 3.754% $5.79
30 Year Amortization 3.49% 3.842% $4.48
*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 officer

Speak with your chosen loan officer about what mortgage options are best for your financial needs.

APPLY NOW!

 

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

Home Equity Rates

Home Equity Loan

 
Loan Amount Rate APR Cost/$1000
80% Max Loan to Value 4.25% 4.808% $7.52
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 Rate APR Cost/$1000
100% Max Loan to Value 4.99%  5.685% $7.90

Home Equity Line of Credit

 
Loan Amount APR Cost/$1000
80% Max Loan to Value Variable Rate – Prime + 0%* 4.49% 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.

Equity Edge Line of Credit

 
Loan Amount APR Cost/$1000
100% Max Loan to Value Variable Rate – Prime + 1%* 5.25% Min. APR 5.25% Max APR 11.00% $10.00
*Variable rates adjust quarterly according to the Wall Street Journal Prime.

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.

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 3.49%  $5.81

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 4.25% 4.808% $7.52
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.
skip sidebar
skip programs