* ANNUAL PERCENTAGE RATE. All rates are subject to change without notice. Rates are based upon the type of loan, term of loan, method of payment and credit worthiness. All loan approvals are subject to normal underwriting guidelines. Home equity loan rates are based upon a loan to value ratio of 80%.
Members receive a 1/2 percent reduction to the loan interest rate when the monthly loan payment is drawn automatically from their PCFCU checking account. (Does not apply to new/used auto loans or 5 year home equity loans)
Members receive a 1/4 percent reduction to the loan interest rate for an ACH loan payment from another institution, or for a loan payment made through payroll deduction. For coupon loan payment by mail, no rate reduction applies. (Does not apply to 5 year home equity loans)