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 2012 or newer (100% financing including tax and license) |
2.49% - 13.99% |
2.49% - 13.99% |
60 |
| New Vehicles: Model Year 2012 or newer (100% financing including tax and license) |
2.99% - 14.99% |
2.99% - 14.99% |
72 |
| New Vehicles: Model Year 2012 or newer (100% financing including tax and license) |
3.74% - 7.49% |
3.74% - 7.49% |
84 |
| Used Vehicles: Model Year 2011 or older (financing up to 100% of high book value) |
2.99% - 14.25% |
2.99% - 14.25% |
60 |
| Used Vehicles: Model Year 2011 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 |
| 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) |
0.15% |
0.15% |
N/A |
| Savings ($100,000.00 and over) |
0.15% |
0.15% |
N/A |
| Individual Retirement Account (IRA) $50.00 to $24,999.99 |
0.15% |
0.15% |
N/A |
| Individual Retirement Account (IRA) $25,000.00 to $99,999.99 |
0.20% |
0.20% |
N/A |
| Individual Retirement Account (IRA) $100,000.00 and over |
0.20% |
0.20% |
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 |
0.35% |
0.35% |
10 |
| Member Appreciation Certificate - MAC ($1,000.00 - $20,000.00) limit one MAC per member |
0.50% |
0.50% |
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) |
0.20% |
0.20% |
6 |
| Share Certificate ($1000.00 minimum) |
0.15% |
0.15% |
6 |
| Share Certificate | WAVE Club ($1,000.00 minimum) |
0.30% |
0.30% |
12 |
| Share Certificate ($1,000.00 minimum) |
0.20% |
0.20% |
12 |
| Share Certificate | WAVE Club ($1,000.00 minimum) |
0.50% |
0.50% |
24 |
| Share Certificate ($1,000.00 minimum) |
0.35% |
0.35% |
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 |
