Loan rates

Auto Loan Rates

Collateral Secured Loans

Term and APR for Auto Loans

Term	APR
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	4.24%
*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

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 *Add 3% to rate if credit score is 635 or less

Kwik Cash

Term	APR
*Add 1% to rate if credit score is 636 to 734 *Add 3% to rate if credit score is 635 or less	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	4.49%	4.589%
15 Year Fixed Rate	3.875%	3.899%
20 Year Fixed Rate	4.500%	4.522%
30 Year Fixed Rate	4.500%	4.516%
PCMCU Adjustable Rate Mortgage Options*
15 Year Amortization	4.49%	4.526%
20 Year Amortization	4.49%	4.518%
30 Year Amortization	4.75%	4.637%
*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 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

Home Equity Rates

Home Equity Loan

APR for Home Equity Loans

Loan Amount	APR
80% Max Loan to Value	5.49%
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

APR for Equity Edge Loans

Loan Amount	APR
100% Max Loan to Value	6.49%

Home Equity Line of Credit

APR for Home Equity Lines of Credit

Loan Amount	APR
80% Max Loan to Value Variable Rate – Prime + 0%*	5.25% Minimum APR 4.49% Maximum APR 11.00%
*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

APR for Equity Edge Lines of Credit

Loan Amount	APR
100% Max Loan to Value Variable Rate – Prime + 1%*	6.25% Min. APR 5.49% Max APR 11.00%

Fixed Rate Line of Credit

APR for Fixed Rate Lines 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

APR for Credit Cards

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

APR for Construction Loans

Term	APR
6 month	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.

Vacant Land Rate

APR for Vacant Land Loans

Vacant Land Recreational Property	APR
90% Max LTV Purchase	5.49%
80% Max LTV Refinance	5.49%

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.