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Loan Rates

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Rates current as of 10-18-2018

Vehicle Loans | Home Equity Loans | Consumer Loans | Mortgages | Recreational Loans

New/Used Vehicle Loans1

TermAPR
up to 36 months2.365%2
37-60 months2.615%
61-72 months2.865%
73-84 months4.365%
85-96 months5.365%
1Eligibility for the lowest rate is based on credit worthiness, year of vehicle, ability to repay, credit score, down payment and loan to value. Example: With a 66-month, $20,000 auto loan at 2.99% APR, you would make 66 monthly payment of $329.03. A fee of $350 will be charged when an existing Power Financial Credit Union auto loan is being refinanced. Interest rates include a .25% discount for automatic payment from your PFCU account and a .25% discount for previous PFCU borrowers. Other conditions may apply. Rates are subject to change at any time.
2Minimum loan amount of $7,501 to qualify for lowest advertised rate.
 

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Home Equity Loans1

 Max LTVTermRate
Home Equity Hybrid Line of Credit - 1st Position 380%10 year draw period and 15 years payment termFixed rate between 3.74% - 5.74% then variable rate between Prime - 0.25 and Prime + 1.25%1
Home Equity Hybrid Line of Credit - 2nd Position 380%10 year draw period and 15 years payment termFixed rate between 3.74% - 5.74% then variable rate between Prime and Prime + 1.50%1
Home Equity Line of Credit - 1st Position 380%10 year draw period and 15 years payment termVariable rate between Prime - 0.75 and Prime + 0.752
Home Equity Line of Credit - 2nd Position 380%10 year draw period and 15 years payment termVariable rate between Prime - 0.50 and Prime + 1.252
1Eligibility for the lowest rate is based on loan to value (LTV), credit worthiness, ability to repay, credit score, and term of loan. Other conditions may apply. Rates are subject to change at any time. Credit for discounts such as a .125% discount for automatic loan payment transfer from your Credit Union account and a .125% discount for previous PFCU borrowers will be applied once the fixed period ends. (Interest may be tax-deductible, consult your tax advisor).
2Eligibility for the lowest rate is based on loan to value (LTV), credit worthiness, ability to repay, credit score, and term of loan. Other conditions may apply. Rates are subject to change at any time. Interest rates include a .125% discount for automatic payment from your CU account and a .125% discount for previous PFCU borrowers. (Interest may be tax-deductible, consult your tax advisor).
3The maximum APR that can apply over the life of the loan is 18.00%. For a Home Equity Hybrid Loan of $50,000 at 4.99% over 15 years you would make 180 payments of $396.66. Immediate usage required is $10,000. The estimated Credit Union and third party fees for a Home Equity Hybrid Loan are $1,343.75.

Consumer Loans1

 TermAPR
Fast Personal Line of Credit8.73%
Signature LoanUp to 48 monthsRates as low as 8.73%
Student LoanUp to 120 monthsRate as low as 10.00%
Share Secured LoanUp to 60 months2Share savings rate plus 3%3
Certificate of Deposit Secured LoanUp to term of certificateFixed Certificate Rate + 3%
Variable Certificate Rate + 3% Margin3
1The maximum aggregate loan amount is $30,000. The minimum loan amount is $500. Interest rates include a .25% discount for automatic payment from your CU account and a .25% discount for previous PFCU borrowers. Eligibility for the lowest rate which is stated above is based on credit worthiness, ability to repay, credit score, down payment, loan amount, and term of loan. Example: If you had an outstanding balance of $10,000, the minimum monthly payment at the minimum ANNUAL PERCENTAGE RATE OF 7.98% would be $258.88 for a max term of 48 months. Loans less than or equal to $2,500 will be financed for a max term of 24 months. Rate will be based on highest credit score for joint applicants and co makers. Rates are subject to change at any time. Cannot be combined with any other offer. Other conditions may apply.
2Term limitations may apply based on loan amount.
3Minimum loan amount of $500. Credit Report required.
For credit card information, please see our Credit Cards section.

Mortgage Promotions

Promotions
1. Only 3% down payment for First Mortgage Loans. 1
2. New Affordable and Secure 5/5 Adjustable Rate Mortgage. 2
View our mortgage rates today!
1Applicable for first mortgage loans with maximum loan amount of $453,100. Member must provide 3% down payment plus closing costs for purchase or 10% equity in home for refinance. Other conditions may apply.
2Rate is variable with a periodic cap of 2 percentage points every 5 years with a lifetime maximum cap of 5%.

Adjustable Rate Mortgages1

 RateAPRPoints
3/1 ARM14.500%4.731%0.000
5/1 ARM14.500%4.872%0.000
5/5 ARM24.750%4.887%
0.000
7/1 ARM14.750%5.143%0.000
10/1 ARM14.750%5.070%0.000

1Rate is variable with a periodic cap of 2 percentage points above the index with a lifetime maximum cap of 6 percentage points above the original rate. Other restrictions may apply.

3/1 Adjustable Rate Mortgage of $125,000 at 30 years at 2.980%, you would make 36 fixed payments of $525.66 at 4.373% APR. After that, the fully indexed rate of 4.313% will apply to the remaining 324 payments and may vary every year. Payment amount does not include taxes and insurance. Actual payment amount will be greater.

2Rate is variable with a periodic cap of 2 percentage points above the index every 5 years with a lifetime maximum cap of 5 percentage points above the original rate. Other restrictions may apply.5/5 Adjustable Rate Mortgage of $125,000 at 30 years at 3.250%, you would make 60 fixed payments of $544.01 at 4.178% APR. After that, the fully indexed rate of 4.560% will apply to the remaining 300 payments and may vary every five years. Payment amount does not include taxes and insurance. Actual payment amount will be greater.

Fixed Rate Mortgages1

TermRateAPRPoints
10 Year4.500%4.839%0.000
15 Year4.500%4.736%0.000
20 Year4.875%5.064%
0.000
30 Year5.125%5.266%0.000
1 The Annual Percentage Rate (APR) is calculated on a loan amount of $125,000 for the purchase of a single family primary residence. This annual rate of interest example takes into account a 20% down payment. For a Fixed Rate Mortgage Loan of $125,000 at 30 years at 4.000%, you would make 360 payments of $596.77. Payment amount does not include taxes and insurance. Actual payment amount will be greater.

Jumbo Mortgages1

Fixed Rate MortgageRateAPRPoints
15 Year4.500%4.628%0.000
20 Year4.875%4.978%0.000
30 Year5.125%5.202%0.000
Jumbo Adjustable Rate MortgageRateAPRPoints
3/1 ARM24.500%4.955%0.000
5/1 ARM24.500%4.967%0.000
5/5 ARM34.750%4.666%0.000
7/124.750%5.080%0.000
10/124.750%5.007%0.000
1Jumbo Mortgage Rates applicable for loan amounts greater than $453,100. This annual rate of interest example takes into account a 20% down payment for a Jumbo Mortgage Fixed Rate Loan of $453,100.01 at 30 years at 4.000%, you would make 360 payments of $2,163.17. Payment amount does not include taxes and insurance. Actual payment amount will be greater.
2Rate is variable with a periodic cap of 2 percentage points above the index with a lifetime maximum cap of 6 percentage points above the original rate. Other restrictions may apply.
3Rate is variable with a periodic cap of 2 percentage points above the index every 5 years with a lifetime maximum cap of 5 percentage points above the original rate. Other restrictions may apply.

5/5 Adjustable Rate Mortgage of $453,100.01 at 30 years at 3.250%, you would make 60 fixed payments of $1,971.92 at 4.120% APR. After that, the fully indexed rate of 4.560% will apply to the remaining 300 payments and may vary every five years. Payment amount does not include taxes and insurance. Actual payment amount will be greater.

7/1 Adjustable Rate Mortgage of $453,100.01 at 30 years at 3.375%, you would make 84 fixed payments of $2,003.14 at 4.231% APR. After that, the fully indexed rate of 4.560% will apply to the remaining 276 payments and may vary every year. Payment amount does not include taxes and insurance. Actual payment amount will be greater.

Residential Investment Property (1-4 family dwelling)1

TermMax LTVRateAPR
Variable70%
3/14.750%4.791%
5/14.750%4.966%
5/55.000%4.997%
Variable75%
3/15.000%4.852%
5/15.000%5.061%
5/55.250%5.092%
1Eligibility for the lowest adjustable rate is based on loan to value (LTV), credit worthiness, ability to repay, credit score, and term of loan. Rates are subject to change at any time. Other conditions may apply. This annual rate of interest example takes into account a 30% down payment for a Residential Investment Property Loan with a 3/1 Adjustable Rate Mortgage of $125,000 at 30 years at 3.250%, you would make 36 fixed payments of $544.01 at 4.436% APR. After that, the fully indexed rate of 4.313% will apply to the remaining 324 payments and may vary every year. Payment amount does not include taxes and insurance. Actual payment amount will be greater.

Other Mortgages

 RateAPY
Reverse MortgageCall for quoteCall for quote
Veterans MortgageCall for quoteCall for quote
APR Assumptions-The ANNUAL PERCENTAGE RATE (APR) is calculated on a loan amount of $100,000 for the purchase of a single family primary residence. This annual rate of interest example takes into account a 20% down payment.

The actual rates quoted above may vary depending on program availability, credit, loan to value, cash out, term, loan size, waiving of escrows, length of lock, income and other secondary market guidelines.

We may offer other Mortgage Interest Rates and terms in the future.

Recreational Loans1

 TermRate
New Water Craftscall for term5.99%
New/Used Boatscall for term5.49%
New/Used Motor Home, Trailer, RVcall for term5.49%
New/Used Motorcyclescall for term3.99%
1Eligibility for the lowest rate which is stated above is based on credit worthiness, ability to repay, credit score, down payment, term of loan, and year of vehicle. Rates are subject to change at any time. Interest rates include a .25% discount for automatic payment from your PFCU account and a .25% discount for previous PFCU borrowers. Other conditions may apply.
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