Loan Rates
Personal Loan Rates
Effective date: April 1, 2024.
| Collateral | Term Months | APR* Tier 1 | APR* Tier 2 | APR* Tier 3 | APR* Tier 4 | APR* Tier 5 |
|---|---|---|---|---|---|---|
| Unsecured – Line of Credit | Revolving | 12.00% | 14.00% | 16.00% | 17.00% | 18.00% |
| Unsecured – Closed End | 84 | 12.00% | 13.00% | 14.00% | 16.00% | 18.00% |
| VISA – Classic or Share Secured | Revolving | 9.90% | 12.00% | 12.00% | 14.52% | 14.52% |
Rates and Terms Subject to Change Without Notice.
Loan subject to credit approval; some restrictions apply; not all members will qualify.
Payment example: A 72 month auto loan at 6.24 APR would have a monthly payment of $16.70 per $1,000 borrowed.
Line of Credit: The minimum monthly payment is 2% of the outstanding balance or $25.00, whichever is greater
Late Charge: A late charge of 5% of the payment due, or $5.00, whichever is greater, will be charged on payments received after 15 days from payment due date
Share & Certificate Secured Loans: PVFCU offers share and certificate secured loans priced at 5% above the APR of the secured share collateral. Terms can be up to 60 months
Mortgage & Business Loans: PVFCU offers real estate and member business loans. Talk with a Loan Officer for more information.
Vehicle Loan Rates
Effective date: April 1, 2024
| Collateral | Term Months | APR* Tier 1 | APR* Tier 2 | APR* Tier 3 | APR* Tier 4 | APR* Tier 5 |
|---|---|---|---|---|---|---|
| Auto – 2021 to 2024 | Up To 48 | 5.24% | 5.74% | 7.74% | 9.74% | 12.74% |
| Auto – 2021 to 2024 | 60 – 72 | 6.24% | 7.24% | 9.24% | 11.24% | 14.74% |
| Auto – 2021 to 2024 | 84 | 8.24% | 9.24% | 11.24% | 13.24% | 16.74% |
| Auto – 2017 to 2020 | Up To 48 | 7.24% | 7.74% | 9.74% | 11.74% | 14.74% |
| Auto – 2017 - 2020 | 60 – 72 | 8.24% | 8.74% | 10.74% | 12.74% | 15.74% |
| Auto – 2014 – 2016 | Up To 48 | 8.24% | 10.24% | 12.24% | 14.24% | 16.74% |
| Motorcycle | 60 | 11.00% | 12.00% | 13.00% | 15.00% | 18.00% |
Rates and Terms Subject to Change without Notice
Loan subject to credit approval; some restrictions apply; not all members will qualify.
Payment example: A 72 month auto loan at 6.24% APR would have a monthly payment of $16.70 per $1,000 borrowed.
Line of Credit: The minimum monthly payment is 2% of the outstanding balance or $25.00, whichever is greater
Late Charge: A late charge of 5% of the payment due, or $5.00, whichever is greater, will be charged on payments received after 15 days from payment due date
Share & Certificate Secured Loans: PVFCU offers share and certificate secured loans priced at 5% above the APR of the secured share collateral. Terms can be up to 60 months
Mortgage & Business Loans: PVFCU offers real estate and member business loans. Talk with a Loan Officer for more information.