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Refinance and Save
We’ve shopped the competition so you don’t have to. Take advantage of lower loan rates when you bring your balances to us. Simply enter your current loan or credit card balance and rate, and watch your savings add up. From there, click Apply Now and we’ll take care of the rest.

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Total Savings: $00

Rates and terms subject to change without notice. Collateral protection insurance is required to obtain any secured loan. Must be 18 or older to apply. Loans subject to all credit union policies and procedures. For current information, please call a member service representative at (888) 858-6878

Auto Loans: Rate, maximum term, maximum loan amount and advance amount based on credit qualifications.  Maximum term varies based on loan amount.  Lowest quoted rate assumes a 0.25% APR discount for borrowers who maintain a Relationship Checking account.  Credit union reserves the right to determine collateral value of vehicles based on industry recognized guides or full appraisal.  Financing is available for manufacturer franchise dealers only.  Rate increases by 2.00% APR for vehicles with 150,001 to 200,000 miles and/or are 11 model years old or older.  A $200 fee applies to reduce the rate of an existing PSCU loan.  Representative example:  Pay $17.04 per month per $1,000 borrowed for 72 months at 6.99% APR. 

Mortgage Loans: Rates, points and programs cannot be guaranteed and are subject to change without notice. Loans subject to all credit union policies and procedures. Property insurance is required. Flood insurance may apply. No mobile homes. Quoted conforming rates are based on a loan amount of $726,200, rate and term only. Rate adjustments may apply for cash out, loans under or over $726,200, rental/vacation/second home properties or loan-to-value (LTV) over 70% of appraised value. Actual rate will be determined after receipt of application and prior to execution of final loan documents. There are no pre-payment penalties on these quotes. Taxes and insurance are not included in this calculation.

Home equity lines and loans: Credit limited to California properties of five acres or less and 4 units or less.  An early closure fee of $100 plus actual costs will be imposed if the loan is closed within two years of opening.  Property insurance is required.  Flood insurance may apply.  Notary and reconveyance fees are the responsibility of the borrower.  All persons on the property title are required on the loan application.  All loans require income verification.  No manufactured or mobile homes.  Member is responsible for all property insurance and taxes.  Other restrictions may apply.  Rates increase by 0.25% APR for loans over $726,200.  Representative example: Pay $20.03 per month per $1,000 borrowed for 60 months at 7.490% with up to 80% LTV. For current information, please call a real estate representative at (888) 858-6878, ext. 5282.

Visa Platinum Rewards Card: APR is variable and ranges between 12.50% and 17.50% and is based on creditworthiness at the time of application. After that, the rate will vary with the market based on the Prime Rate. Cash advances and balance transfers do not qualify to earn reward points. Use of points is subject to ScoreCard Rewards program Terms and Conditions. Complete Visa Card Account Agreement and Truth-in-Lending Disclosure.

Personal loans: Rate, maximum term and loan amount based on credit qualifications. Rate may be up to 3.00% APR above quoted rate based on creditworthiness at the time of application. Personal loan may not be used to refinance an existing PSCU loan. Representative example: Pay $31.80 per month per $1,000 borrowed for 36 months at 10.24% APR.

Full membership requirements and eligibility details are available. Some restrictions apply.

*Direct financial benefits to members during the 12 months ending December 31, 2021 as defined in the CUNA Membership Benefits Report for Pacific Service Credit Union. For more information regarding this analysis, please visit ©CUNA, ©Datatrac