Loans Rates

Loan Rates

Rates are subject to change without notice.

VEHICLE LOAN RATES FOR NEW AND USED CAR LOANS EFFECTIVE 1/1/14

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, 25,000 and $45,000 respectively. Rates start as low as the rates shown below and are based upon applicant credit qualifications and include a .25% discount for purchase of GAP (Guaranteed Asset Protection) and a .25% discount for purchase of MBI (Mechanical Breakdown Insurance) offered by PFCU.

New and Used Autos (2008-2014 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 1.99%	36 Months
As low as 1.99%	48 Months
As low as 1.99%	60 Months
As low as 2.49%	72 Months
As low as 2.75%	84 Months
As low as 3.25%	96 Months


Older Used Autos
APR* w/90% Financing of Retail Kelley Blue Book	Terms

Older model years (2007 and older) As low as 6.00%	Up to 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 96 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

Loan Type	Rate	APR*	Terms**
New and Used (2008-2014 model years)	As low as 6.25%	As low as 6.25%	Up to 72 Months

**72 months require a minimum loan amount of $20,000.

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 $650,000
NO-POINT options to save on up front costs
First Time Homebuyer Program

Get a home loan you can live with from Parishioners and CU HomeLand. Whether you are purchasing a new home or refinancing, CU HomeLand offers an extensive range of mortgage products to fit your particular needs. Your personal loan consultant will meet with you to discuss your home loan needs. Parishioners and CU HomeLand make the mortgage loan process affordable and stress-free.

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	5.000%	5.000%	No points / 80% combined LTV.
120 Month closed-end	5.500%	5.500%	No points / 80% combined LTV.
180 Month closed-end	6.000%	6.000%	No points / 80% combined LTV.

*Annual Percentage Rate.
**Minimum amount of $5,000—Maximum loan amount $160,000 (for Home Equity Loans)

Home Equity Line of Credit

We offer a Home Equity Line of Credit with the following terms:

2.50% Introductory rate for 3 months; thereafter, prime rate plus 1%, effective last day of the prior month.
Maximum Combined Loan-to-Value = 80%.
Pay no costs for loans $95,000 or below. Pay only Credit Union’s actual closing costs for loans greater than $95,000.
No points.
Rates are subject to change monthly.

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	Prime + 5.50%	Credit limits up to $7,500
Signature Loan	As low as 5.75%	Up to $15,000 for 60 months
Equity Advantage Loan	As low as 5.75%	Up to $15,000 for 60 months
Share Secured Loans	3.25%	Terms up to 36 months
Share Secured Loans	3.75%	Terms up to 37-60 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.


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