Rates Effective: November 20th, 2011

Prime Rate: 3.25%

Loan Rates

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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% - 10.99%
48 months 2.99% - 10.99%
60 months 2.99% - 10.99%
72 months 2.99% - 10.99%
Over 72 months 3.49% - 12.49%

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Motorhome, Boats, Fifth-wheels, Horse Trailers, & Travel Trailers Hello

New or Used Term Annual Percentage Rate
New Only Up to 84 months 5.39% - 13.00%
New Only Over 84 months 5.89% - 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%

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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 $15.00 for each approved loan advance request with the exception of subsequent draws on the Line of Credit and Overdraft Protection Line of Credit loans.