Sign Up for Our Newsletter:
Email: (required)

Are You a Member? (required)

Product

First Name(required)

Last Name(required)



Personal

 

Loan Rates

Family is everything, and we’re here to serve you! Choose from one of our many loan options, and we’ll walk you through the process.

Are you a member yet?

 

Here, we treat you like family!

Rates current as of 03-07-17

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

New/Used Vehicle Loans1

Term
APR
up to 36 months1.74%2
37-60 months2.49%
61-72 months2.74%
73-84 months4.24%
85-96 months5.24%
1Eligibility for the lowest rate is based on credit worthiness, year of vehicle, ability to repay, credit score, down payment, term of loan and year of vehicle. 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 $7,500 to qualify for lowest advertised rate.
 

Back to top

Home Equity Loans1

 
Max LTV
Term
Rate
Home Equity Hybrid Line of Credit 280%10 year draw period and 15 years payment term Fixed rate between 3.74% - 5.74% then variable rate between Prime - Prime + 1.25%
Home Equity Line of Credit380%10 year draw period and 15 years payment termVariable rate between Prime - 0.50 - Prime + 0.75
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. Interest rates include a .125% discount for automatic loan payment transfer from your Credit Union account and a .125% discount for previous PFCU borrowers. (Interest may be tax-deductible, consult your tax advisor).
2The 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. The estimated Credit Union and third party fees for a Home Equity Hybrid Loan are $1,343.75.
3The maximum APR that can apply over the life of the loan is 18.00%. Immediate usage required is $10,000. For a Home Equity Line of Credit of $50,000 at 3.75% over 15 years you would make 180 payments of $363.68. The estimated Credit Union and third party fees for a Home Equity Line of Credit are $1,343.75.

Consumer Loans1

 
Term
APR
Fast Personal Line of Credit7.73%
Signature LoanUp to 48 months7.73%
Student LoanUp to 120 monthsRate as low as 8.25%
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 10% down payment for First Mortgage Loans. 1
2. New Affordable and Secure 5/5 Adjustable Rate Mortgage. 2
View our mortgage rates today!3
1Applicable for first mortgage loans with maximum loan amount of $424,100. Adjustable rate mortgage products do not qualify. Member must provide 10% 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%.
3Applicable for first mortgage loans with maximum loan amount of $424,100. Can be used for purchase or refinance. Power XPress First Mortgage Refinance does not qualify.

Adjustable Rate Mortgages1

 
Rate
APR
Points
3/1 ARM23.375%3.565%
0.000
5/1 ARM3.625%3.818%
0.000
5/5 ARM33.875%3.829%
0.000
7/1 ARM4.125%4.324%
0.000
10/1 ARM4.250%0.000
1Applicable for first mortgage loans with maximum loan amount of $424,100.

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.

3/1 Adjustable Rate Mortgage of $100,000 at 30 years at 2.980%, you would make 36 fixed payments of $421.61 at 3.105% APR. After that, the fully indexed rate of 3.125% 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.

35/5 Adjustable Rate Mortgage of $100,000 at 30 years at 3.250%, you would make 60 fixed payments of $435.21 at 3.721% APR. After that, the fully indexed rate of 3.625% 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

Term
Rate
APR
Points
10 Year3.3753.872%
0.000
15 Year3.7504.098%
0.000
20 Year4.2504.526%
0.000
30 Year4.5004.703%
0.000
1Rates are based on loan amounts that are $100,000.01 and over. Loan amounts that are less than $100.000.00 may be subject to a higher rate. 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. For a Fixed Rate Mortgage Loan of $100,000 at 30 years at 4.000%, you would make 360 payments of $477.42. Payment amount does not include taxes and insurance. Actual payment amount will be greater.

Fixed Rate Mortgages $50,001-$100,0001

Term
Rate
APR
10 Year3.875%4.377%
15 Year4.250%4.603%
20 Year4.750%5.031%
30 Year5.000%5.210%
1Rates are based on loan amounts that are between $50,001.00-$100,000.00. For a Fixed Rate Mortgage Loan of $100,000 at 30 years at 4.500%, you would make 360 payments of $506.69. Payment amount does not include taxes and insurance. Actual payment amount will be greater.

Power XPress First Mortgage Refi1

Term
Rate
APR
Points
15 Year3.750%4.098%
0.000
20 Year4.250%4.526%
0.000
30 Year4.500%4.703%
0.000
LTV80%Title Policy WAIVED (up to $250,000 subject to loan policy).
Title Search required.
Max DTI 50%, Self- employed Max DTI 40%
1Rates are based on loan amounts that are $100,000.01 and over. Loan amounts that are less than $100.000.00 may be subject to a higher rate. 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. For a Power XPress First Mortgage Refi Loan of $100,000 at 30 years at 4.625%, you would make 360 payments of $514.14. Payment amount does not include taxes and insurance. Actual payment amount will be greater.

First Time Home Buyer FHA Alternative1

Term
Rate
APR
Points
15 Year3.750%4.098%
0.000
20 Year4.250%4.526%
0.000
30 Year4.500%4.703%
0.000
1Rates are based on loan amounts that are $100,000.01 and over. Loan amounts that are less than $100.000.00 may be subject to a higher rate. 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. For a First Home Buyer FHA Alternative Loan of $100,000 at 30 years at 4.250%, you would make 360 payments of $491.94. Payment amount does not include taxes and insurance. Actual payment amount will be greater.

Jumbo Mortgages1

Fixed Rate Mortgage
Rate
APR
Points
15 Year3.750%call for quote0.000
20 Year4.250%call for quote0.000
30 Year4.500%4.581%
0.000
Jumbo Adjustable Rate MortgageRateAPRPoints
5/5 ARM24.375%%0.000
7/134.125%4.204%
0.000
10/14.250%4.4040.000
1Jumbo Mortgage Rates applicable for loan amounts greater than $424,100 and less than $850,000. Other conditions may apply for loans exceeding $850,000. This annual rate of interest example takes into account a 20% down payment For a Jumbo Mortgage Fixed Rate Loan of $424,100 at 30 years at 4.000%, you would make 360 payments of $1990.83. “Payment amount does not include taxes and insurance. Actual payment amount will be greater.
a. 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.
b. 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 $471,001 at 30 years at 3.250%, you would make 60 fixed payments of $1,814.82 at 3.477% APR. After that, the fully indexed rate of 3.625% 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 $471,001 at 30 years at 3.375%, you would make 84 fixed payments of $1,843.55 at 3.441% APR. After that, the fully indexed rate of 3.625% 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

Term
Max LTV
Rate
APR
Variable70%
3/13.625%3.818%
5/13.875%4.071%

5/54.125%4.324%

Variable75%
3/13.875%4.071%
5/14.125%4.324%
5/54.375%call for quote
1Eligibility for the lowest 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 of $100,000 for 25 years at 4.500%, you would make 300 payments of $555.84. Payment amount does not include taxes and insurance. Actual payment amount will be greater.

Other Mortgages

 
Rate
APY
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

 
Term
Rate
New Water Craftscall for term4.74%
New/Used Boatscall for term4.24%
New/Used Motor Home, Trailer, RVcall for term4.24%
New/Used Motorcyclescall for term2.74%
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.
Online Bill Pay

Special Offer Image 225x139_0017_Morris_WEB_power2697

Online Bill Pay 

Save time & money – an easy way to track and pay bills.

Apply for a Loan Today (Auto, Mortgage or Home Equity)

Special Offer Image 225x139_0013_Murphy_WEB_power3717

Apply for a Loan Today (Auto, Mortgage or Home Equity)

We have loans to meet your every financial need.