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
|
2.74% |
*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
PCMCU Serviced Home Loans
Term, Rate, and APY for PCMCU Serviced Home Loans
| Term |
Rate |
APR |
| 10 Year Fixed Rate |
3.49% |
3.506% |
| 7 Year ARM (Adjustable Rate Mortgage) ~ Purchase or Refinance |
| 15 Year Amortization |
3.75% |
3.826% |
| 20 Year Amortization |
3.75% |
3.854% |
| 30 Year Amortization |
3.99% |
4.001% |
|
Fixed Rate Mortgage Options – Terms and Rates Available
|
*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. Members with credit scores of 635 or less may be subject to a higher rate. 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.
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 $499!
Maximum $499 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 |
4.49% |
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 |
5.25% |
Home Equity Line of Credit
APR for Home Equity Lines of Credit
| Loan Amount |
APR |
| 80% Max Loan to Value Variable Rate |
Prime + 0%
Minimum APR 4.99%
Maximum APR 11% |
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 |
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
$10,000 Max Loan Amount |
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 |
3.99% |
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 |
4.75% |
| 80% Max LTV Refinance |
4.75% |
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.
