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Pacific Service Credit Union


Save. Money. Today.

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 balance and rate, and scroll to the bottom to watch your savings add up.  From there, click Apply Now and we’ll take care of the rest. 


Auto Loans: Annual percentage rate (APR) as of October 27, 2022 and is subject to change without notice. Lowest rate quoted. Rate may be up to 9.35% APR above quoted rate based on credit qualifications. Quoted rate assumes a 0.25% APR discount for borrowers who maintain a Relationship Checking account. Rate, maximum term, maximum loan amount and advance amount based on credit qualifications and eligible collateral. Maximum term varies based on loan amount. A $200 fee applies to reduce the rate of an existing PSCU loan. Loans subject to all credit union policies and procedures. Call for details.​ Representative example: Pay $16.06 per month per $1,000 borrowed for 72 months at 4.89% APR.

1% Cash Back Offer: Offer subject to change without notice. Cash back incentive is 1% of the refinanced loan balance from another lender to Pacific Service CU to a maximum of $500. Minimum loan balance is $4,000. Existing Pacific Service CU loan balances do not qualify. Cash back will be deposited to the savings account at the time of funding. We reserve the right to retain incentive dollars if the loan is closed, paid off or refinanced within the first two years. Accounts must be in good standing to receive rebate. Some restrictions may apply.

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 $647,200, rate and term only. Rate adjustments may apply for cash out, loans under or over $647,200, 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. Representative example: Pay $4.08 per month per $1,000 borrowed at 2.750% APR for 30 years. Taxes and insurance are not included in this calculation.

Home equity lines and loans: Annual percentage rate (APR) as of October 12, 2022 and is subject to change without notice. Loans subject to all credit union policies and procedures. Property insurance is required. Flood insurance may apply. No manufactured or mobile homes. Member is responsible for payment of all insurance and property taxes. Rates increase by 0.25% APR for loans over $647,200. All home equity loans and lines of credit are for California properties only. Representative example: Pay $18.64 per month per $1,000 borrowed for 60 months at 4.49% APR with up to 80% LTV.

Visa Platinum Rewards Card: Annual Percentage Rate (APR) as of October 1, 2022. and is subject to change without notice. APR is variable and ranges between 9.50% and 14.50% 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(Opens in a new Window).

Personal loans: Annual Percentage Rate (APR) as of October 27, 2022 and is subject to change without notice. Rate may be up to 12.00% APR above quoted rates based on creditworthiness at the time of application. Rate, maximum term and loan amount based on credit qualifications. Maximum term varies based on loan amount. Personal loan may not be used to refinance an existing Pacific Service CU loan. Loans subject to all credit union policies and procedures. Representative example: Pay $31.10 per month per $1,000 borrowed for 36 months at 7.49% APR.

Full membership requirements and eligibility details are available here. 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 www.datatrac.net/memberbenefits. ©CUNA, ©Datatrac





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