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 2023 or newer 6.99% - 15.24% 60
New Vehicles: Model Year 2023 or newer 7.24% - 16.24% 72
New Vehicles: Model Year 2023 or newer 8.24% - 10.74% 84
Used Vehicles: Model Year 2022 or older 7.24% - 15.49% 60
Used Vehicles: Model Year 2022 or older 7.49% - 16.49% 72
Electric, Plug-In Hybrids & Hybrids 0.50% 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 7.99% - 14.74% up to 120
Used Boats, RVs and Motorcycles 8.24% - 15.24% up to 96
Sport Vehicles: Off Road, ATV, etc. 7.99% - 16.24% 60

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GreenUp Loans
  APR* Term in months
Electric, Plug-in Hybrid, and Hybrid Vehicles 0.50% off regular  qualifying APR up to 84 months
Bicycles and Kayaks 7.49% - 8.49% up to 24 months
Bicycles and Kayaks 7.74% - 8.74% up to 48 months

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Secured & Signature Loans
  APR* Term in months
Savings Secured 4.50% 60
Personal/Signature loans 10.24% - 16.49% 24
Personal/Signature loans 11.24% - 17.49% 36
Personal/Signature loans 13.24% - 18.99% 48

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Visa® Credit Cards                                                                             Rates effective 7/10/24
  Variable APR* Term in months
Visa Platinum & Platinum Rewards 11.50% - 13.50% revolving
Visa Classic 16.50% - 18.50% revolving
Visa Secured 16.50% revolving

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Home Equity Loans
  APR* Term in months
Home Equity Line of Credit - HELOC
     (variable rate, 80% LTV)		 7.65% 180
Home Equity Loan (fixed rate, 80% LTV) 7.50% 120
Home Equity Loan (fixed rate, 80% LTV) 7.75% 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, length of loan (term) will be based on the dollar amount 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, plug-in hybrid, and hybrid 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: Variable Rate Information: APR=Annual Percentage Rate. Your rate may increase or decrease in the future. The APR is subject to change on the first day of your monthly billing cycle to reflect any change in the Prime Rate. The rate will be determined by the Prime Rate as published in The Wall Street Journal “Money Rates” table on the 10th day of each month. Your rate will be equal to the Prime Rate plus a margin of: 3%–5% for Platinum & Platinum Rewards cards; 8%–10% for Classic and Secured cards. Any rate change will result in an increase or decrease in the amount of the interest you will pay. This may affect your minimum payment and the number of payments needed to pay off your balance. 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 (recent 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.