| 1-4 Family Properties, Fixed Rate |
| Term | Rate | APR |
| 10 years |
6.12% |
6.12% |
| 15 years |
6.25% |
6.25% |
| 20 years |
5.75% |
6.37% |
| 25 years |
5.75% |
6.62% |
| 30 years |
5.75% |
6.62% |
| For Co-Op loans add 0.25% to the above rates |
| 1-4 Family Properties, Adjustable Rate |
| 30 year loan term and amortization. Rate cannot change more than 2% per year and 6% during the life of the loan; it will never go below 4%. |
| Initial Fixed Interest Rate Period | Rate | APR |
| 1 year |
4.87% |
7.50% |
| 3 years |
5.87% |
7.67% |
| 5 years |
6.00% |
7.56% |
| 7 years |
6.25% |
7.49% |
| 10 years |
6.37% |
7.37% |
| For no income verification with 20% downpayment, add 0.50% to the above rates. |
| For Co-Op loans add 0.25% to the above rates. |
| 1-4 Units, Fixed Rate |
| Term | Rate | APR |
| 10 years |
6.62% |
6.62% |
| 12 years |
6.75% |
6.75% |
| 12 years (baloon loan with 15 yr amortization) |
6.87% |
6.87% |
| 1-4 Units, Adjustable Rate |
| 12 year baloon loans with 30 year amortization. Rate cannot change more than 2% per year and 6% during the life of the loan; it will never go below the initial rate. |
| Initial Fixed Interest Rate Period | Rate | APR |
| 1 year |
5.75% |
8.13% |
| 3 years |
5.75% |
8.50% |
| 5 years |
6.50% |
8.37% |
| 7 years |
5.75% |
8.28% |
| 5-8 Units, Fixed Rate |
| Term | Rate | APR |
| 10 years |
6.75% |
6.75% |
| 12 years |
5.75% |
6.87% |
| 12 years (baloon loan with 15 year amortization) |
7.00% |
7.00% |
| 5-8 Units, Adjustable Rate |
| 12 year baloon loans with 30 year amortization. Rate cannot change more than 2% per year and 6% during the life of the loan; it will never go below the initial rate. |
| Initial Fixed Interest Rate Period | Rate | APR |
| 1 year |
5.87% |
8.04% |
| 3 years |
6.37% |
8.39% |
| 5 years |
5.75% |
8.31% |
| 7 years |
7.00% |
8.24% |
| 1-4 Family Properties, Variable Rate |
| Rate is based on Prime Rate. Intro rate includes discount of 0.25%. Additional 0.25% discount is available if signed up for automatic payment deduction from PSFCU share draft to HELOC.
|
| Term | Rate | APR |
| No rates found. |
| New Auto Loan |
| Term | Rate | APR |
| 5 years |
6.25% |
5.25% |
| 1 year |
5.00% |
4.50% |
| 2 years |
4.50% |
4.50% |
| 3 years |
5.75% |
4.75% |
| 4 years |
5.00% |
5.00% |
| 6 years** |
5.75% |
5.75% |
| **New autos over $30,000 |
|
| |
|
|
| Used Auto Loans |
| Term | Rate | APR |
| 1 year |
5.00% |
5.00% |
| 2 years |
5.75% |
5.00% |
| 3 years |
5.50% |
5.50% |
| 4 years |
6.00% |
6.00% |
| 5 years |
5.75% |
6.50% |
| Additional 0.25% reduction available on auto loans with automatic loan re-payment |
| Additional Loan Products |
| Product/Category | Rate | APR | Notes |
| Personal Loan |
5.75% |
11.50% |
|
| Signature Loan |
8.90% |
8.90% |
|
| Share Secured Loan* |
2.00% |
2.00% |
|
| *Share secured rate is variable based on the current share rate plus 2% |
| Checking Line of Credit |
10.90% |
10.90% |
|
| Summer Vacation Loans |
| Effective Date: August 1st, 2008 |
| Product/Category | Percentage | Term |
|
| $100-500 |
4.5 |
12 |
| 501-999 |
4.5 |
12 |
| 1000-1999 |
4.5 |
12 |
Credit Union 1 page
