Loans Rates
Loan Rates
Rates are subject to change without notice.
VEHICLE LOAN RATES FOR NEW AND USED CAR LOANS EFFECTIVE 01/01/2019
Auto Loan Rates
All rates displayed are *Annual Percentage Rates (APR) and are subject to change. Vehicle loan financing for terms of 72 and 84 months require a minimum loan amount of $20,000 and $25,000 respectively. Rates start as low as the rates shown below and are based upon applicant credit qualifications.
| New and Used Autos (2013-2019 model years) | |
| APR* Up to 110% Financing based on MSRP for new vehicles and Retail Kelley Blue Book on used vehicles | Terms |
| As low as 3.25% | 36 Months |
| As low as 3.50% | 48 Months |
| As low as 3.75% | 60 Months |
| As low as 4.00% | 72 Months |
| As low as 4.75% | 84 Months |
| Older Used Autos (2012 and older) | |
| APR* w/90% Financing of Retail Kelley Blue Book | Terms |
| As low as 6.75% | 36 Months |
| As low as 7.00% | 48 Months |
| As low as 7.25% | 60 Months |
| We Finance Lease Buyout | |
| APR* up to 110% Financing of Retail Kelley Blue Book | Terms |
| Refer to our New and Used Auto Rates | Up to 84 Months |
| Auto Equity Loan | |
| Auto Equity Loans have the same rates as new/used auto loan rates. A courtesy lien is placed on your home to allow for possible tax deductible interest payments. No real estate equity required. | |
Motorcycle Loan Rates
| Motorcycle New and Used (2013-2019 model years) | |
| APR* Up to 100% Financing of Retail Kelley Blue Book. | Terms** |
| As low as 4.25% | 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 | 5.250% | 5.256% | No points / 80% combined LTV. |
| 120 Month closed-end | 5.750% | 5.755% | No points / 80% combined LTV. |
| 180 Month closed-end | 6.250% | 6.255% | No points / 80% combined LTV. |
*Annual Percentage Rate. APR based on a $95,000 loan amount.
**Maximum loan amount $160,000 (for Home Equity Loans). Pay closing costs of approximately $921.00 for loans $95,000 or less.
Home Equity Line of Credit
We offer a Home Equity Line of Credit with the following terms:
- 2.50% Introductory rate for 6 months; thereafter, rate will be based on Prime Rate plus 1% effective on the last business day of each calendar month of each year.
- Maximum Combined Loan-to-Value = 80%.
- Pay no closing costs other than the appraisal fee for loans $95,000 or below. You may pay certain fees to third parties, such as appraisers, title companies and government agencies. Closing costs consist of appraisal fee, fleet title fee, recording fees, flood cert fee and tax service fee if applicable. These fees generally total from $750 to $1,300. Borrower is responsible for any additional fees other than our regular closing costs (i.e. appraisal re-inspection fee, other recording fees, title charges to clear or transfer liens, etc).
- No points.
- Rates and terms are subject to change.
Personal Loan Rates
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 11.00% | Credit limits up to $7,500 |
| Signature Loan | As low as 10.50% | Up to $15,000 for 60 months |
| Equity Advantage Loan | As low as 10.50% | Up to $15,000 for 60 months |
| 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 Loan (with $20 Application Fee) | 28.00% | Terms up to 3 months |
| 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. | ||
