What goal can we help you realize today?
As a not-for-profit institution, we are focused on helping our members achieve their goals, not turning a profit, so we can offer lower interest rates and more convenient loan terms than big banks.
Mortgage
| Loan Type | Term | Rate | APR* | Action | Disclosures |
|---|---|---|---|---|---|
| Fixed | 10 years | 5.750% | 5.978% | Apply Now | |
| Fixed | 15 years | 5.875% | 6.037% | Apply Now | |
| Fixed | 20 years | 6.250% | 6.281% | Apply Now | |
| Fixed | 30 years | 6.50% | 6.495% | Apply Now | |
| 3/1 Year ARM | 30 years | 6.375% | 7.762% | Apply Now | Consumer Handbook |
| 5/1 Year ARM | 30 years | 6.625% | 7.713% | Apply Now | Consumer Handbook |
| 7/1 Year ARM | 30 years | 6.750% | 7.682% | Apply Now | Consumer Handbook |
| 10/1 Year ARM | 30 years | 6.875% | 7.668% | Apply Now | Consumer Handbook |
*Instant Decision not available for Home Equity or Mortgage Loans.
*APR= Annual Percentage Rate. +The Flat Fee Mortgage Program is available to borrowers purchasing or refinancing 1-4 family owner-occupied properties located in NJ, PA, DE, MD, DC, VA, NC, SC, GA, FL and is subject to change at any time. The $999 Flat Fee is non-refundable and payable upon return of the signed Initial Disclosure Package. Refinance and new purchase applicants will be responsible for interim interest, funding an escrow account for property taxes and insurance, and all title insurance costs and attorney fees. Home purchase applicants will also be responsible for survey costs, home inspection costs, and all settlement items between the applicant as buyer and seller for the purchase of applicant’s home. Maximum loan amount of $766,550 and the minimum loan amount is $50,000. LTVs up to 95%, conditions apply. Cash out refinances may be subject to different terms and/or restrictions. All applicants with a loan to value over 80% require Private Mortgage Insurance (PMI), which is funded by the applicant. Any member that has financed their mortgage with PFCU in the last twenty-four (24) months is not eligible for this program. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates, fees, and terms are subject to change at any time. To qualify for membership, you must open a savings account with a minimum deposit of $5.
*APR=Annual Percentage Rate. Loan Rates as of 10/11/24. Rates are subject to change at any time. The APR is calculated based on a loan amount of $100,000. Our minimum mortgage amount is $50,000.00 to a conforming maximum of $766,550 and $1,089,300 for high cost areas for single family residences. Other terms available for two to four family units. Speak with one of our Mortgage Loan Officers at (973) 361-5225 extension 157.
NMLS ID 402605
Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
Home Equity
| Loan Type | Min./Max. | Term | APR* | Action | Documents |
|---|---|---|---|---|---|
| Home Equity Fixed First Lien up to 80% LTV | $15,000 minimum/$350,000 maximum | 5 years | as low as 6.75% | Apply Now | |
| Home Equity Fixed First Lien up to 80% LTV | $15,000 minimum/$350,000 maximum | 7 years | as low as 7.00% | Apply Now | |
| Home Equity Fixed First Lien up to 80% LTV | $15,000 minimum/$350,000 maximum | 10 years | as low as 7.25% | Apply Now | |
| Home Equity Fixed First Lien up to 80% LTV | $15,000 minimum/$350,000 maximum | 15 years | as low as 7.50% | Apply Now | |
| Home Equity Fixed First Lien up to 80% LTV | $15,000 minimum/$350,000 maximum | 20 years | as low as 8.50% | Apply Now | |
| Home Equity Fixed Second Lien | $15,000 minimum/$350,000 maximum | 5 years | as low as 7.00% | Apply Now | |
| Home Equity Fixed Second Lien | $15,000 minimum/$350,000 maximum | 7 years | as low as 7.25% | Apply Now | |
| Home Equity Fixed Second Lien | $15,000 minimum/$350,000 maximum | 10 years | as low as 7.50% | Apply Now | |
| Home Equity Fixed Second Lien | $15,000 minimum/$350,000 maximum | 15 years | as low as 7.75% | Apply Now | |
| Home Equity Fixed Second Lien | $15,000 minimum/$350,000 maximum | 20 years | as low as 8.75% | Apply Now | |
| HELOC First Lien | $20,000 minimum/$350,000 maximum up to 80% LTV/CLTV | 30 years | 15 year draw down period | as low as 7.25% | Apply Now | Disclosures |
| HELOC Second Lien | $20,000 minimum/$350,000 maximum up to 80% LTV/CLTV | 30 years | 15 year draw down period | as low as 7.50% | Apply Now | Disclosures |
*APR=Annual Percentage Rate. Loan Rates as of 12/19/24. The actual rate may vary based upon creditworthiness and underwriting policies. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, you must open a savings account with a minimum deposit of $5.
**The APR for all Equity Lines of Credit may vary and is based on the U.S. prime rate as published in The Wall Street Journal. The minimum “floor” APR on all Equity Lines of Credit is 3.25% and the maximum APR that can apply is 18%. Introductory Rate of 1.99% for the first 6 months and adjusts to Prime + a margin after the introductory period. *Loan to value up to 80%. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
***Closing costs for the first $250,000 will be paid by Picatinny but must be repaid by the borrower(s) if the HELOC is closed within the first 12 months of account opening. These fees can be found on our Early Disclosure. Note: For LTV’s over 80% we have a limit of $250,000, have restrictions to DTI, min credit score, and are not eligible for the Introductory Rate. Rates will vary for LTV over 80%. Max Line of $350,000, any loan size over $250k, the Applicant will be responsible for Title fees and Appraisal fees. Housing counseling agencies approved by the US Department of Housing and Urban Development (HUD) can offer independent advice about whether a particular set of mortgage loan terms is a good fit based on your objectives and circumstances, often at little or no cost. If you are interested in contacting a HUD-approved housing counseling agency in your area, you can visit the Consumer Financial Protection Bureau’s (CFPB) website and enter your zip code. You can also access HUD’s housing counseling agency website. For additional assistance with locating a housing counseling agency, call the CFPB at 1-855-411-CFPB (2372).
Picatinny Federal Credit Union NMLS ID 402605
New Auto
| Loan Type | Maximum | Terms | APR* | Action |
|---|---|---|---|---|
| New Motorcycle | up to 100% of purchase price, including sales tax | up to 36 months | as low as 7.99% | Apply Now |
| New Motorcycle | up to 100% of purchase price, including sales tax | up to 48 months | as low as 8.115% | Apply Now |
| New Motorcycle | up to 100% of purchase price, including sales tax | up to 60 months | as low as 8.24% | Apply Now |
| New Vehicle (car, truck, van) | up to 100% of purchase price, including sales tax | up to 36 months | as low as 5.49% | Apply Now |
| New Vehicle (car, truck, van) | up to 100% of purchase price, including sales tax | up to 48 months | as low as 5.74% | Apply Now |
| New Vehicle (car, truck, van) | up to 100% of purchase price, including sales tax | up to 60 months | as low as 5.87% | Apply Now |
| New Vehicle (car, truck, van) | up to 100% of purchase price, including sales tax | up to 72 months | as low as 6.50% | Apply Now |
| New Vehicle (car, truck, van) | up to 100% of purchase price, including sales tax | up to 84 months | as low as 7.75% | Apply Now |
| New Vehicle (car, truck, van) | up to 100% of purchase price, including sales tax | up to 96 months | as low as 8.25% | Apply Now |
*APR=Annual Percentage Rate. **New vehicle loan, 5.87% APR for 60 months, $19.00 per month per $1,000 borrowed. Used vehicle loan 6.495% APR for 60 months, $20.00 per month per $1,000 borrowed. Rates and terms are subject to change at any time. The actual rate may vary based upon creditworthiness and underwriting policies. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Vehicle Loans
* APR=Annual Percentage Rate. Loan Rates as of 10/23/24.
Actual rates may vary on New & Used Vehicle Loan Products. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and Terms are subject to change at any time. Different terms may be available for 10 model year vehicles. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
First Time Auto Buying
*APR=Annual Percentage Rate. New or used vehicle loan, 6.50% APR for 60 months, $19.80 per $1,000 borrowed. The rates and terms of the offer are subject to change at any time. Program underwriting guidelines must be met for loan approval. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Contact the credit union for more details.
Used Auto
| Loan Type | Maximum | Terms | APR* | Action |
|---|---|---|---|---|
| Used Motorcycle | loan not to exceed J D Powers Clean Retail value sales tax | up to 36 months | as low as 8.24% | Apply Now |
| Used Motorcycle | loan not to exceed J D Powers Clean Retail value sales tax | up to 48 months | as low as 8.375% | Apply Now |
| Used Motorcycle | loan not to exceed J D Powers Clean Retail value sales tax | up to 60 months | as low as 8.50% | Apply Now |
| Used Vehicle (car, truck, van) | loan not to exceed J D Powers Clean Retail value sales tax | up to 36 months | as low as 5.99% | Apply Now |
| Used Vehicle (car, truck, van) | loan not to exceed J D Powers Clean Retail value sales tax | up to 48 months | as low as 6.24% | Apply Now |
| Used Vehicle (car, truck, van) | loan not to exceed J D Powers Clean Retail value sales tax | up to 60 months | as low as 6.495% | Apply Now |
| Used Vehicle (car, truck, van) | loan not to exceed J D Powers Clean Retail value sales tax | up to 72 months | as low as 6.75% | Apply Now |
| Used Vehicle (car, truck, van) | loan not to exceed J D Powers Clean Retail value sales tax | up to 60 months | as low as 8.375% | Apply Now |
*APR=Annual Percentage Rate. **New vehicle loan, 5.87% APR for 60 months, $19.00 per month per $1,000 borrowed. Used vehicle loan 6.495% APR for 60 months, $20.00 per month per $1,000 borrowed. Rates and terms are subject to change at any time. The actual rate may vary based upon creditworthiness and underwriting policies. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Vehicle Loans
* APR=Annual Percentage Rate. Loan Rates as of 4/08/24.
Actual rates may vary on New & Used Vehicle Loan Products. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and Terms are subject to change at any time. Different terms may be available for 10 model year vehicles. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
New Recreational Vehicles
| Loan Type | Maximum | Terms | APR* | Action |
|---|---|---|---|---|
| New Motor Home (self driven or towed) | up to 80% of purchase price sales tax not to exceed $50,000 | up to 24 months | as low as 7.99% | Apply Now |
| New Motor Home (self driven or towed) | up to 80% of purchase price sales tax not to exceed $50,000 | up to 36 months | as low as 8.115% | Apply Now |
| New Motor Home (self driven or towed) | up to 80% of purchase price sales tax not to exceed $50,000 | up to 48 months | as low as 8.24% | Apply Now |
| New Motor Home (self driven or towed) | up to 80% of purchase price sales tax not to exceed $50,000 | up to 60 months | as low as 8.365% | Apply Now |
| New Motor Home (self driven or towed) | up to 80% of purchase price sales tax not to exceed $50,000 | up to 120 months | as low as 8.865% | Apply Now |
| New Boat | up to 80% of purchase price plus sales tax not to exceed $30,000 | up to 24 months | as low as 7.99% | Apply Now |
| New Boat | up to 80% of purchase price plus sales tax not to exceed $30,000 | up to 36 months | as low as 8.115% | Apply Now |
| New Boat | up to 80% of purchase price plus sales tax not to exceed $30,000 | up to 48 months | as low as 8.25% | Apply Now |
| New Boat | up to 80% of purchase price plus sales tax not to exceed $30,000 | up to 60 months | as low as 8.365% | Apply Now |
*APR=Annual Percentage Rate. **New recreational vehicle loan, 7.865% APR for 60 months, $20.22 per month per $1,000 borrowed. Used recreational vehicle loan 8.115% APR for 60 months, $20.34 per month per $1,000 borrowed. Rates and terms are subject to change at any time. The actual rate may vary based upon creditworthiness and underwriting policies. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Recreational Vehicle Loans
* APR=Annual Percentage Rate. Loan Rates as of 6/13/23.
Actual rates may vary on Recreational Vehicle Loan Products. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
Used Recreational Vehicles
| Loan Type | Maximum | Terms | APR* | Action |
|---|---|---|---|---|
| Used Boat | loan not to exceed NADA book average retail value sales tax | up to 24 months | as low as 8.24% | Apply Now |
| Used Boat | loan not to exceed NADA book average retail value sales tax | up to 36 months | as low as 8.365% | Apply Now |
| Used Boat | loan not to exceed NADA book average retail value sales tax | up to 48 months | as low as 8.49% | Apply Now |
| Used Boat | loan not to exceed NADA book average retail value sales tax | up to 60 months | as low as 8.615% | Apply Now |
| Used Motor Home (self driven or towed) | loan not to exceed NADA average loan value or 80% of NADA average retail value plus sales tax. Not to exceed $50000 | up to 24 months | as low as 8.24% | Apply Now |
| Used Motor Home (self driven or towed) | loan not to exceed NADA average loan value or 80% of NADA average retail value plus sales tax. Not to exceed $50000 | up to 36 months | as low as 8.365% | Apply Now |
| Used Motor Home (self driven or towed) | loan not to exceed NADA average loan value or 80% of NADA average retail value plus sales tax. Not to exceed $50000 | up to 48 months | as low as 8.49% | Apply Now |
| Used Motor Home (self driven or towed) | loan not to exceed NADA average loan value or 80% of NADA average retail value plus sales tax. Not to exceed $50000 | up to 60 months | as low as 8.615% | Apply Now |
| Used Motor Home (self driven or towed) | loan not to exceed NADA average loan value or 80% of NADA average retail value plus sales tax. Not to exceed $50000 | up to 120 months | as low as 9.115% | Apply Now |
*APR=Annual Percentage Rate. **New recreational vehicle loan, 7.865% APR for 60 months, $20.22 per month per $1,000 borrowed. Used recreational vehicle loan 8.115% APR for 60 months, $20.34 per month per $1,000 borrowed. Rates and terms are subject to change at any time. The actual rate may vary based upon creditworthiness and underwriting policies. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Recreational Vehicle Loans
* APR=Annual Percentage Rate. Loan Rates as of 6/13/23.
Actual rates may vary on Recreational Vehicle Loan Products. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
Share & Share Draft
| Type | Annual Percentage Yield | Dividend Rate |
|---|---|---|
| Shares (Min. $5.00) | 0.10% APY* | 0.10% |
| Share Drafts | 0.010% APY* | 0.01% |
| IRA (Min. $500.00) | 0.10% APY* | 0.10% |
*APY=Annual Percentage Yield. APYs are effective as of 2/1/23 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). During any month, you may not make more than six (6) electronic transfers between accounts at PFCU, accounts at other financial institutions or third-party payments. Electronic transfers include preauthorized, automatic (overdraft), computer (online), ATM and phone transfers. You are not able to exceed the transfer limitation set forth above. Electronic transfers scheduled to occur after the threshold of 6 has been reached will be rejected.
Transaction limitations on savings/share account: During any month, you may not make more than six withdrawals or transfers to another Credit Union account/ sub account of yours, or to a third party by means of preauthorized, automatic, or computer transfer, or telephonic order or instruction. If you exceed the transfer limitation set forth above, your account will be subject to excessive transaction fees or closure by the credit union.
Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
Money Market
| Level | Annual Percentage Yield | Dividend Rate |
|---|---|---|
| $1,000-$9,999.99 | 0.15% APY* | 0.1499% |
| $10,000-$24,999.99 | 0.15% APY* | 0.1499% |
| $25,000.00-$49,999.99 | 0.15% APY* | 0.1499% |
| $50,000.00-$99,999.99 | 0.30% APY* | 0.2996% |
| $100,000 and over | 0.35% APY* | 0.3494% |
* APY=Annual Percentage Yield. APYs are effective as of 3/31/23 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).
To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
Share Certificate
The minimum balance required to open a Certificate is $500.00.
| Term of Account | Annual Percentage Yield | Dividend Rate | Minimum Balance |
|---|---|---|---|
| 6 month share certificate | 3.50% APY* | 3.441% | $500.00 |
| 12 month share certificate | 3.75% APY* | 3.69% | $500.00 |
| 13 month share certificate | 4.25% APY* | 4.17% | $500.00 |
| 18 month share certificate | 4.25% APY* | 4.17% | $500.00 |
| 24 month share certificate | 4.00% APY* | 3.93% | $500.00 |
| 36 month share certificate | 3.85% APY* | 3.779% | $500.00 |
| 48 month share certificate | 3.85% APY* | 3.779% | $500.00 |
| 60 month share certificate | 3.85% APY* | 3.779% | $500.00 |
*APY=Annual Percentage Yield. APYs are effective as of 9/18/24 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).
*13-Month Share Certificate APYs are effective as of 9/18/24. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). On the maturity date, the certificate will automatically renew to a 12-month term at the rate in effect for that term at the time of renewal.
*18-Month Share Certificate APYs are effective as of 9/18/24. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).
*24-Month Share Certificate APYs are effective as of 9/18/24. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).
To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
IRA Certificate
| Term of Account | Annual Percentage Yield | Dividend Rate | Minimum Balance |
|---|---|---|---|
| 12 month IRA share certificate | 3.75% APY* | 3.690% | $500.00 |
| 18 month IRA share certificate | 4.25% APY* | 4.170% | $500.00 |
| 24 month IRA share certificate | 4.00% APY* | 3.930% | $500.00 |
| 36 month IRA share certificate | 3.85% APY* | 3.779% | $500.00 |
| 60 month IRA share certificate | 3.85% APY* | 3.779% | $500.00 |
APY=Annual Percentage Yield. APYs are effective as of 9/18/24 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).
To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
Vacation Club
| Type | Annual Percentage Yield | Dividend Rate |
|---|---|---|
| Vacation Club (min. $5.00) | 0.030% APY* | 0.030% |
* APY=Annual Percentage Yield. APYs are effective as of 3/4/22 and are subject to change without notice. Rates are for comparison only. Actual rates may vary.
To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
Holiday Club
| Type | Annual Percentage Yield | Dividend Rate |
|---|---|---|
| Holiday Club (min. $5.00) | 0.030% APY* | 0.030% |
* APY=Annual Percentage Yield. APYs are effective as of 3/4/22 and are subject to change without notice. Rates are for comparison only. Actual rates may vary.
To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
Personal Loans
| Type of Loan | Maximum | Term | APR* | Action |
|---|---|---|---|---|
| Personal | total not to exceed $25,000 | up to 24 months | 9.24% | Apply Now |
| Personal | total not to exceed $25,000 | up to 36 months | 10.49% | Apply Now |
| Personal | total not to exceed $25,000 | up to 48 months | 11.49% | Apply Now |
| Personal | total not to exceed $25,000 | up to 60 months | 12.49% | Apply Now |
| Personal | total not to exceed $25,000 | up to 72 months | 13.49% | Apply Now |
*APR=Annual Percentage Rate. Loan Rates as of 1/16/24. Applicants are subject to credit approval and PFCU underwriting guidelines. Actual rates term and amount may vary on Personal Loan Products. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Actual rates may vary on Personal Loan Products.
Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
Unsecured Line of Credit (Overdraft)
| Type | APR* | Action |
|---|---|---|
| Unsecured Line of Credit (Overdraft) | 12.99% | Apply Now |
*APR=Annual Percentage Rate. Loan Rates as of 6/13/23. Applicants are subject to credit approval and PFCU underwriting guidelines. Actual rates term and amount may vary on Personal Loan Products. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Actual rates may vary on Personal Loan Products.
Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
Share Secured Loan Information
| Type of Loan | Maximum | Term | APR* | Action |
|---|---|---|---|---|
| Share Secured | shares on deposit | up to 120 months | 3.00% | Apply Now |
*APY=Annual Percentage Yield. APYs are effective as of 3/18/24 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). Transaction limitations on savings/share account: During any month, you may not make more than six (6) electronic transfers between accounts at PFCU, accounts at other financial institutions or third-party payments. Electronic transfers include preauthorized, automatic (overdraft), computer (online), ATM and phone transfers. You are not able to exceed the transfer limitation set forth above. Electronic transfers scheduled to occur after the threshold of 6 has been reached will be rejected.
To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
Short Term Loan
| Type | APR* | Action |
|---|---|---|
| Short Term Loan | 11.5% | Apply Now |
*APR=Annual Percentage Rate. Loan Rates as of 6/13/23. Applicants are subject to credit approval and PFCU underwriting guidelines. Actual rates term and amount may vary on Personal Loan Products. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Actual rates may vary on Personal Loan Products.
Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
Premium Rewards Visa Credit Card
| Type | APR* | Action |
|---|---|---|
| Premium Rewards Visa Credit Card | as low as 15.99% | Apply Now |
*APR=Annual Percentage Rate. Loan Rates as of 12/19/24. Applicants are subject to credit approval and PFCU underwriting guidelines. Actual rates term and amount may vary on Personal Loan Products. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Actual rates may vary on Personal Loan Products.
Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
Debt Consolidation Loan
| Type of Loan | Maximum | Term | APR* | Action |
|---|---|---|---|---|
| Debt Consolidation | total not to exceed $40,000 | Up to 24 months | 9.74% | Apply Now |
| Debt Consolidation | total not to exceed $40,000 | up to 36 months | 10.99% | Apply Now |
| Debt Consolidation | total not to exceed $40,000 | up to 48 months | 11.99% | Apply Now |
| Debt Consolidation | total not to exceed $40,000 | up to 60 months | 12.99% | Apply Now |
| Debt Consolidation | total not to exceed $40,000 | up to 72 months | 14.74% | Apply Now |
| Debt Consolidation | total not to exceed $40,000 | up to 84 months | 15.24% | Apply Now |
| Debt Consolidation | total not to exceed $40,000 | up to 96 months | 15.74% | Apply Now |
| Debt Consolidation | total not to exceed $40,000 | up to 120 months | 16.74% | Apply Now |
*APR=Annual Percentage Rate. Loan Rates as of 4/22/24. Applicants are subject to credit approval and PFCU underwriting guidelines. Actual rates term and amount may vary on Personal Loan Products. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Actual rates may vary on Personal Loan Products.
Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
