Loans Rates
VEHICLE LOAN RATES FOR NEW AND USED CAR LOANS
Auto Loan Rates
All rates displayed are *Annual Percentage Rates (APR) and are subject to change. Vehicle loan financing for terms of 72, 84, and 96 months require a minimum loan amount of $20,000, $40,000, and $60,000 respectively. Rates start as low as the rates shown below and are based upon applicant credit qualifications. Rates posted include up to 1.00% discounts available. These discounts include .25% discount for purchasing a Fuel-Efficient Vehicle, .25% for purchasing GAP insurance offered by PFCU, .25% discount for purchasing MBI offered by PFCU, and .25% discount for Direct Deposit/Automatic payments to your PFCU checking accounts. If you do not choose to take advantage of these discounts, your rate will be higher.
| New and Used Autos (2017-2023 model years) | |
| APR* Up to 125% Financing based on MSRP for new vehicles and Retail Kelley Blue Book on used vehicles | Terms |
| As low as 3.74% | 36 Months |
| As low as 4.24% | 48 Months |
| As low as 4.74% | 60 Months |
| As low as 4.99% | 72 Months |
| As low as 5.24% | 84 Months |
| As low as 5.74% | 96 Months |
| Older Used Autos (2016 and older) | |
| APR* w/90% Financing of Retail Kelley Blue Book | Terms |
| As low as 7.50% | 36 Months |
| As low as 7.75% | 48 Months |
| As low as 8.00% | 60 Months |
| We Finance Lease Buyout | |
| APR* up to 125% Financing of Retail Kelley Blue Book | Terms |
| Refer to our New and Used Auto Rates | Up to 96 Months |
Motorcycle Loan Rates
| Motorcycle New and Used (2014-2020 model years) | |
| APR* Up to 100% Financing of Retail Kelley Blue Book. | Terms** |
| As low as 5.99% | 36-72 Months |
Mortgage Loan Rates
We offer fixed and adjustable rate First Mortgage loans with terms up to 30 years available. For current information, please call (888) 397-5111.
Parishioners Federal Credit Union and our partner, CU HomeLand, can provide you a better home mortgage solution so you can enjoy home ownership again. We offer a variety First Trust Deed Loans with competitive rates and flexible terms designed to suit the needs of our members. Our First Mortgage loan options include:
- 10 to 30 year fixed and adjustable rate mortgage loans
- Loan amounts up to $3,000,000
- NO-POINT options to save on up front costs
- First Time Homebuyer Program
Click here to apply for your home loan or to check the current rates.
Home Equity Loan Rates
| Loan Type | Rate | APR* | Terms** |
| 60 Month closed-end | 6.250% | 6.515% | No points/Up to 80% combined LTV. |
| 120 Month closed-end | 6.500% | 6.644% | No points/Up to 80% combined LTV. |
| 180 Month closed-end | 6.750% | 6.855% | No points/Up to 80% combined LTV. |
| 240 Month closed-end | 7.000% | 7.086% | No points/Up to 80% combined LTV. |
*Annual Percentage Rate. APR based on a $95,000 loan amount.
**Maximum loan amount $250,000. Maximum CLTV is 80%. Pay $599 processing fee and cost of Full Appraisal if required. Rates are based on Fico score and Term of the loan. Rates posted are lowest rates available for Fico score 720 and above. Rates on Non-Owner-Occupied properties are 1.00% higher. Rates and terms are subject to change.
Home Equity Line of Credit
We offer a Home Equity Line of Credit with the following terms:
- Rate is based on the current Prime Rate plus your Margin and is variable and subject to change monthly, based on the last business day of each calendar month. Your margin/rate is determined by your Fico score at loan inception. Fico score 720+ is Prime plus 0%.
- Rates for loans on Non-Owner-Occupied properties are 1.00% higher than Owner Occupied Properties.
- Maximum Loan amount $250,000. Maximum CLTV is 80% for Primary Residence. Non-Owner-Occupied properties maximum CLTV is 70%.
- Pay $599 processing fee and cost of Full Appraisal if required.
- No points.
- Rates and terms are subject to change.
All rates displayed are Annual Percentage Rates (APR) and are subject to change. Rates start as low as the rates shown below and are based upon applicant credit qualifications.
| Loan Type | APR | Terms |
| Cash Advance LOC | As low as 13.00% | Credit limits up to $25,000 |
| Signature Loan | As low as 7.49% | Up to $25,000 |
| Share Secured Loan | 6.25% | For loan amounts below $5K up to 60 months |
| Share Secured Loan | 4.25% | For loan amounts $5K and above up to 60 months |
| Credit Builder Loan | 8.25% | 48 months |
| Payday Alternative Loan | 28.00% | Terms up to 3 months ($20 Application Fee) |
| Special Event Loan | As low as 6.49% | Maximum of $25,000 |
| Credit Cards — We offer affinity MasterCard and Visa credit cards through The Independent Bankers Bank (TIB) with credit lines up to $15,000. For more information about our Affinity credit cards please call TIB at 800-367-7576. | ||
