Rates Effective: February 14th, 2012
Prime Rate: 3.25%
Loan Rates
Apply for a loan online
Shared Secured
| Percent Above Index |
Term |
Annual Percentage Rate |
| 3% |
Up to 180 months |
view |
Certificate Secured
| Percent Above Index |
Term |
Annual Percentage Rate |
| 3% |
Up to 180 months |
view |
Vehicle Secured
| Term |
Annual Percentage Rate |
| 36 months |
2.99% - 13.99% |
| 48 months |
2.99% - 13.99% |
| 60 months |
2.99% - 13.99% |
| 72 months |
2.99% - 13.99% |
| Over 72 months |
3.49% - 14.49% |
Motorhome, Boats, Fifth-wheels, Horse Trailers, & Travel Trailers
| New or Used |
Term |
Annual Percentage Rate |
| New Only |
Up to 84 months |
5.39% - 13.00% |
| New Only |
Over 84 months |
5.39% - 6.50% |
| Used |
Up to 84 months |
5.45% - 14.50% |
| Used |
Over 84 months |
5.95% - 15.25% |
All Other Secured
| Term |
Annual Percentage Rate |
| Up to 72 months |
7.00% - 13.50% |
| Over 72 months |
7.75% - 14.25% |
Line of Credit / Signature Advance
| Term |
Annual Percentage Rate |
| Up to 48 months |
11.50% - 16.75% |
| Over 48 months |
12.00% - 17.25% |
Overdraft Protection
| Term |
Annual Percentage Rate |
| |
9.00% - 14.25% |
Call or stop by your local branch for current account disclosures. Rate Discounts for a maximum of 0.50% (Decrease Loan Rate) These discounts do not apply to lines of credit, share or certificate secured loans.
- 0.25% Active Checking Account for 3+ years
- 0.25% Active Direct Deposit / Set-up New Direct Deposit
- 0.25% Automatic Payments
- 0.25% Energy Efficient Vehicle
- 0.25% for Loan-to-value less than 80%*
- 0.25% Invest in America
- 0.50% Financing Repossessed vehicle with PCFCU
- 0.25% Buy Local (Klamath Falls, Lakeview, Alturas; includes private party Member 5+ Years)
* For new money to credit union (new purchase or refinanced). Excludes Recreational Vehicles, All Other Secured and Beacon scored of 639 or less.
Rate Additions (Increase Loan Rates)
- 1.00% if vehicle is older than 5 years
- 1.00% if over 100,000 miles
- 0.25% Loan-to-Value 90.01 - 100%
- 0.50% Loan-to-Value 100.01 - 110%
- 1.00% Loan-to-Value 110.01% - 120%
- 1.50% Loan-to-Value greater than 120%
Advance Request Fee: You will be charged $25.00 for each approved loan advance request with the exception of subsequent draws on the Line of Credit and Overdraft Protection Line of Credit loans.
