Rates

At PSCCU, we are always looking for ways to help our members save more and one way we can accomplish this is by offering a diversity of lending products with some of the lowest rates around. And because we look at each individual situation, for those members with past credit challenges we offer loan products with very competitive, and in most cases lower than expected, rates that can help improve their situation over time.

And let's not forget about our Wave Club Program! Members with an active PSCCU Checking Account and VISA Credit Card can receive an additional 0.25% discount off their qualifying loan rate!*

Energy-Smart Loans: Click here to view all the details (partners, rates, terms, etc.).

Vehicle Loans
  APR* Term in months
New Vehicles: Model Year 2014 or newer 2.49% - 13.99% 60
New Vehicles: Model Year 2014 or newer 2.99% - 14.99% 72
New Vehicles: Model Year 2014 or newer 3.74% - 7.49% 84
Used Vehicles: Model Year 2013 or older 2.99% - 14.25% 60
Used Vehicles: Model Year 2013 or older 3.49% - 15.25% 72
Electric, Hybrid & New Clean Diesel Vehicles 0.25% off regular qualifying APR up to 84 months

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Boat, RVs, Motorcycle & Sport Vehicle Loans
  APR* Term in months
New Boats, RVs and Motorcycles 4.49% - 14.25% up to 180
Used Boats, RVs and Motorcycles 5.99% - 14.75% up to 144
Sport Vehicles: Off Road, ATV, etc. 6.25% - 15.75% 60

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GreenUp Loans
  APR* Term in months
Electric, Hybrid & New Clean Diesel Vehicles 0.25% off regular qualifying APR up to 84 months
Bicycles and Related Equipment 7.50% - 8.50% 48

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Secured & Signature Loans
  APR* Term in months
Savings Secured 3.50% 60
Personal/Signature loans 7.99% - 15.25% 24
Personal/Signature loans 8.99% - 16.25% 36
Personal/Signature loans 10.99% - 16.75% 48

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VISA Credit Cards
  APR* Term in months
VISA Platinum 6.90% - 8.90% revolving
VISA Classic 13.90% - 15.90% revolving
VISA Secured 13.90% revolving

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Home Equity Loans
  APR* Term in months
Home Equity Line of Credit - HELOC (variable rate, 80% LTV) 4.00% 180
Home Equity Closed End (fixed rate, 80% LTV) 5.74% 120
Home Equity Closed End (fixed rate, 80% LTV) 5.99% 180

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*APR = Annual Percentage Rate that will be determined at the time a completed application and any needed documentation is received. Member's loan rate will be based on an Equifax Credit Score and the term of the loan. All loans subject to credit approval based on creditworthiness. 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 consumer loan rates (except Saving Secured loans). Rates are subject to change without notice.
New Vehicles: up to 100% financing including tax and license
.
Used Vehicles: financing up to 100% of high NADA book value.
New Boats, RVs and Motorcycles: financing up to 85% of the purchase price.
Used Boats, RVs and Motorcycles: financing up to 85% of the appraised value.
Sport Vehicles: financing up to 85%.
GreenUp Loans: GreenUp loan program only includes electric, hybrid and new clean diesel vehicles, as well as bicycles. Additional EV charging station option available; contact the credit union for more details. The EV charging station must be installed by a contractor; PSCCU will not finance self-installs. All GreenUp loans must be new loans to the credit union; existing PSCCU loans do not apply. Membership with PSCCU is required. Contact the credit union for full loan details, as well as Wave Club and automatic payment discount options and requirements.

VISA Credit Cards Terms & Conditions: Click here
WAVE Club: To qualify, member must have an active Checking Account (direct deposit or regular deposits), as well as an active VISA Credit Card (recently monthly activity) with PSCCU. Wave Club discounts are only valid for Certificates of Deposit, Auto Loan, Personal Loans, or Boat/Motorcycle/RV Loans. Other restrictions may apply. Contact the Credit Union for full details.