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Rates effective as of December 7, 2023
Term | Balances under $50,000 |
Balances $50,000 - $99,999 | Balances $100,000 and over | |||
---|---|---|---|---|---|---|
Dividend Rate | APY | Dividend Rate | APY | Dividend Rate | APY | |
5 Month | 4.89% | 5.00% | 4.89% | 5.00% | 4.89% | 5.00% |
11 Month | 4.89% | 5.00% | 4.89% | 5.00% | 4.89% | 5.00% |
Rates effective as of December 7, 2023
Rates effective as of December 7, 2023
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.
Vehicle, motorcycle, boat and RV 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 $16.92 per month per $1,000 borrowed for 72 months at 6.74% APR.
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 $16.92 per month per $1,000 borrowed for 72 months at 6.74% APR.
Rates and terms subject to change without notice. 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.
Personal loans
Rate, maximum term and loan amount may vary based on credit qualifications. Personal loan may not be used to refinance an existing PSCU loan. Representative example: Pay $32.04 per month per $1,000 borrowed for 36 months at 9.49% APR.
Certificate or Shared Secured
Rate is determined by adding a 2% margin to the share or certificate rate. Term not to exceed 60 months or the maturity date of the Certificate. Representative example: Pay $17.56 per month per $1,000 borrowed for 60 months at 2.05% APR.
Rates effective as of December 7, 2023
Loan Type | APR | Max Term (in months) |
---|---|---|
Visa Platinum Rewards and Platinum Rewards Starter | 12.50% - 17.50% | N/A |
Rates and terms subject to change without notice. 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.
Visa: The annual percentage rate is variable based on credit worthiness at the time of application. After that, the rate will vary with the market based on the Prime Rate.
Rates effective as of December 11, 2023
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FHA 30-Year Fixed RatesLoan Type | Maximum Financed | Rate | Points | APR |
---|---|---|---|---|
Conforming | $726,200 | 5.875% | 1.00 | 6.014% |
Conforming | $726,200 | 6.250% | 0.00 | 6.296% |
High Balance | $1,089,300 | 6.125% | 1.00 | 6.258% |
High Balance | $1,089,300 | 6.375% | 0.00 | 6.413% |
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20-Year Fixed Rates30-Year 5/1 Adjustable Rate Mortgage (ARM)
Loan Type | Maximum Financed | Rate | Points | APR |
---|---|---|---|---|
High Balance | $1,089,300 | 6.875% | 0.00 | 7.510% |
Jumbo | $2,500,000 | 6.875% | 0.00 | 7.490% |
Conforming ARM loans:
Index Source = 30 Day SOFR
Index Source = 30 Day SOFR
Margin = 2.500
Index Rate = 5.338
Fully Indexed Rate = 5.338 + 2.500 = 7.838%
Index Rate = 5.338
Fully Indexed Rate = 5.338 + 2.500 = 7.838%
5/6 Annual Cap = 2.000%
7/1 and 10/1 Initial Rate Cap Maximum = 5.000%; then 2.000% thereafter
7/1 and 10/1 Initial Rate Cap Maximum = 5.000%; then 2.000% thereafter
Life Cap = 5.000% over initial rate
High balance and Jumbo ARM loans:
Index Source = 1 year Treasury
Margin = 2.750
Index Rate = 5.142
Fully Indexed Rate = 5.142 + 2.750 = 7.892%
Index Rate = 5.142
Fully Indexed Rate = 5.142 + 2.750 = 7.892%
Annual Cap = 2.000%
Life Cap = 5.000% over initial rate
Life Cap = 5.000% over initial rate
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.
Rates, points and programs cannot be guaranteed and are subject to change without notice. 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. Representative example: Pay $5.99 per month per $1,000 borrowed at 6.000% APR for 30 years. Taxes and insurance are not included in this calculation.