Puget Sound Cooperative Credit Union | Serving the Puget Sound region since 1934, one member at a time.

Puget Sound Cooperative Credit Union's merit based lending program continues our tradition of giving our members great rates on loans. Members will receive a rate based on their credit history. Members with excellent credit will receive some of the lowest rates in the our market area. Members with past credit challenges will receive rates that are very competitive and most cases lower than they would get elsewhere.

The annual percentage rate for loans will be determined at the time we receive a completed application and any needed documentation. Your loan rate will be based on your Equifax Credit Score and the term of the loan. All loans subject to credit approval.

Consumer loan rates assume an automatic payment. Rates for consumer loans without automatic payments will be 0.25% higher. WAVE club members receive an ADDITIONAL 0.25% off on consumer loan rates (except Saving Secured loans).

WAVE club members are eligible for the higher WAVE certificate rates. To be eligible for a WAVE Certificate, members must have their full Net Paycheck deposited into their PSCCU checking account and have an active PSCCU Credit Card.

Rates are subject to change without notice. Share dividend rates are estimated, based on the last dividends paid. All Certificates have penalties apply for early withdrawal, contact the credit union for more information.

Consumer Loans Rate APR Term in months
New Vehicles: Model Year 2013 or newer (100% financing including tax and license) 2.49% - 13.99% 2.49% - 13.99% 60
New Vehicles: Model Year 2013 or newer (100% financing including tax and license) 2.99% - 14.99% 2.99% - 14.99% 72
New Vehicles: Model Year 2013 or newer (100% financing including tax and license) 3.74% - 7.49% 3.74% - 7.49% 84
Used Vehicles: Model Year 2012 or older (financing up to 100% of high book value) 2.99% - 14.25% 2.99% - 14.25% 60
Used Vehicles: Model Year 2012 or older (financing up to 100% of high book value) 3.49% - 15.25% 3.49% - 15.25% 72
New Boats, RVs and Motorcycles (financing up to 85% of the purchase price) 4.49% - 14.25% 4.49% - 14.25% up to 180
Used Boats, RVs and Motorcycles (financing up to 85% of the appraised value) 5.99% - 14.75% 5.99% - 14.75% up to 144
Sport Vehicles - off road, ATV, etc. (financing up to 85%) 6.25% - 15.75% 6.25% - 15.75% 60
Savings Secured 3.50% 3.50% 60
Unsecured: Signature loans 7.99% - 15.25% 7.99% - 15.25% 24
Unsecured: Signature loans 8.99% - 16.25% 8.99% - 16.25% 36
Unsecured: Signature loans 10.99% - 16.75% 10.99% - 16.75% 48
Visa® Credit Card and Home Equity Loans Rate APR Term in months
VISA® Platinum Card 6.90% - 8.90% 6.90% - 8.90% revolving
VISA® Classic Card 13.90% - 15.90% 13.90% - 15.90% revolving
VISA® Secured Card 13.90% 13.90% revolving
VISA® Student Rewards Card 13.90% 13.90% revolving
Home Equity Line of Credit - HELOC (variable rate, 80% LTV) 4.00% 4.00% 180
Home Equity Closed End (fixed rate, 80% LTV) 5.74% 5.74% 120
Home Equity Closed End (fixed rate, 80% LTV) 5.99% 5.99% 180
Shares Rate Annual Percentage Yield Term in months
Savings ($50.00 to $24,999.99) 0.10% 0.10% N/A
Savings ($25,000.00 to $99,999.99) 0.20% 0.20% N/A
Savings ($100,000.00 and over) 0.25% 0.25% N/A
Individual Retirement Account (IRA) $50.00 to $24,999.99 0.20% 0.20% N/A
Individual Retirement Account (IRA) $25,000.00 to $99,999.99 0.25% 0.25% N/A
Individual Retirement Account (IRA) $100,000.00 and over 0.30% 0.30% N/A
Checking 0.05% 0.05% N/A
Holiday and Club Savings Accounts 0.10% 0.10% N/A
Certificates Rate Annual Percentage Yield Term in months
Member Appreciation Certificate - MAC ($1,000.00 - $20,000.00) limit one MAC per member 0.40% 0.40% 10
Member Appreciation Certificate - MAC ($1,000.00 - $20,000.00) limit one MAC per member 0.55% 0.55% 20
Member Appreciation Certificate - MAC ($1,000.00 - $100,000.00) limit one MAC per member 1.50% 1.51% 60
Share Certificate | WAVE Club ($1000.00 minimum) 0.25% 0.25% 6
Share Certificate ($1000.00 minimum) 0.20% 0.20% 6
Share Certificate | WAVE Club ($1,000.00 minimum) 0.40% 0.40% 12
Share Certificate ($1,000.00 minimum) 0.30% 0.30% 12
Share Certificate | WAVE Club ($1,000.00 minimum) 0.55% 0.55% 24
Share Certificate ($1,000.00 minimum) 0.40% 0.40% 24
Share Certificate | WAVE Club ($1,000.00 minimum) 1.30% 1.31% 48
Share Certificate ($1,000.00 minimum) 1.00% 1.00% 48