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 bases 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 then 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 payments. 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.
Rates are subject to change without notice. Some dividend rates are estimated, based on the last dividends paid.
| Consumer Loans |
Rate |
APR |
Term in months |
| New Vehicles: Model Year 2009 or newer (100% financing including tax and license) |
3.99% - 10.99% |
3.99% -10.99% |
60 |
| New Vehicles: Model Year 2009 or newer (100% financing including tax and license) |
4.49% - 11.49% |
4.49% - 11.49% |
72 |
| New Vehicles: Model Year 2009 or newer (100% financing including tax and license) |
5.24% - 7.24% |
5.24% - 7.24% |
84 |
| Used Vehicles: Model Year 2008 or older (financing up to 100% of high book value) |
3.99% - 11.25% |
3.99% - 11.25% |
60 |
| Used Vehicles: Model Year 2008 or older (financing up to 100% of high book value) |
4.49% - 11.75% |
4.49% - 11.75% |
72 |
| New Boats and RVs (financing up to 85% of the purchase price) |
6.25% - 12.25% |
6.25% - 12.25% |
120 -180 |
| Used Boats and RVs (financing up to 85% of the appraised value) |
6.49% - 12.75% |
6.49% - 12.75% |
96 - 144 |
| Sport Vehicles - Motorcycles, ATV, etc. (financing up to 85%) |
7.25% - 14.25% |
7.25% - 14.25% |
60 |
| Unsecured: Signature loans |
8.99% - 15.25% |
8.99% - 15.25% |
24 |
| Unsecured: Signature loans |
9.99% - 16.25% |
9.99% - 16.25% |
36 |
| Unsecured: Signature loans |
10.99% - 16.75% |
10.99% - 16.75% |
48 |
| Certificates |
Rate |
Annual Percentage Yield |
Term in months |
| Member Appreciation Certificate - MAC ($1,000.00 - $20,000.00) limit one MAC per member |
1.70% |
1.71% |
10 |
| Member Appreciation Certificate - MAC ($1,000.00 - $20,000.00) limit one MAC per member |
1.95% |
1.97% |
20 |
| Share Certificate ($1000.00 - $24,999.99) |
1.05% |
1.06% |
6 |
| Share Certificate (over $25,000.00) |
1.25% |
1.26% |
6 |
| Share Certificate ($1000.00 - $24,999.99) |
1.25% |
1.26% |
12 |
| Share Certificate (over $25,000.00) |
1.45% |
1.46% |
12 |
| Share Certificate ($1000.00 - $24,999.99) |
1.60% |
1.61% |
24 |
| Share Certificate (over $25,000.00) |
1.80% |
1.81% |
24 |
| Share Certificate ($1000.00 - $24,999.99) |
2.00% |
2.02% |
48 |
| Share Certificate (over $25,000.00) |
2.20% |
2.22% |
48 |
