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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
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 APY
10 Year Fixed Rate 3.49% 3.506%
7 Year ARM (Adjustable Rate Mortgage) ~ Purchase or Refinance
15 Year Amortization 3.75% 3.826% APR
20 Year Amortization 3.75% 3.854% APR
30 Year Amortization 3.99% 4.001% APR

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.

LOW $499 Closing Costs!

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.
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