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Rates Effective: February 23, 2015
Prime Rate: 3.25%

Loan Rates

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Vehicle Secured - Auto Loans

Call or stop by your local branch for current account disclosures. Rates include a maximum qualifying discount of 0.50% from the list below:
  • -.25% Active PCFCU Checking Account for 3 years & minumum financed $30,000
  • -.25% Recurring Automatic or ACH Payment Set-Up
  • -.25% Fuel Efficient Vehicle at least 28 mpg combined per fueleconomy.gov guide
  • -.25% Buy Local (Klamath Falls, Lakeview, Alturas; includes private party)
  • -.25% Refinance a Loan From Another Lender

Rate Additions, maximum of 1.00% (Increases Loan Rate) Rate additions do not apply to Share/Certificate Secured, Classic Vehicles, Quick Loan, Citizenship Loan, or Line of Credit/Overdraft Protection loans.
+1.00%    Vehicle has 120,000 or more miles, and credit score is below 680.
The Annual Percentage Rate you receive for the above loans is based on certain credit-worthiness criteria. Your rate will be set at the time of each loan and will be disclosed on the loan agreement and disclosures. Rates are subject to change at any time. A credit union representative will disclose any rate discounts or additions that may apply.
Term

Annual Percentage Rate

36 months 1.99% - 14.99%
48 months 2.49% - 15.49%
60 months 2.74% - 15.74%
72 months 2.74% - 15.99%
Over 72 months 2.99% - 16.49%

Local Dealers

 

Classic Vehicles (Models 40 Years and Older) - Value must be established by a certified appraiser.

Call or stop by your local branch for current account disclosures. Rates include a maximum qualifying discount of 0.50% from the list below:
  • -.25% Active PCFCU Checking Account for 3 years & minumum financed $30,000
  • -.25% Recurring Automatic or ACH Payment Set-Up
  • -.25% Fuel Efficient Vehicle at least 28 mpg combined per fueleconomy.gov guide
  • -.25% Buy Local (Klamath Falls, Lakeview, Alturas; includes private party)
  • -.25% Refinance a Loan From Another Lender

Rate Additions, maximum of 1.00% (Increases Loan Rate) Rate additions do not apply to Share/Certificate Secured, Classic Vehicles, Quick Loan, Citizenship Loan, or Line of Credit/Overdraft Protection loans.
+1.00%    Vehicle has 120,000 or more miles, and credit score is below 680.
The Annual Percentage Rate you receive for the above loans is based on certain credit-worthiness criteria. Your rate will be set at the time of each loan and will be disclosed on the loan agreement and disclosures. Rates are subject to change at any time. A credit union representative will disclose any rate discounts or additions that may apply.
Term

Annual Percentage Rate

Up to 48 months 3.74% - 16.49%
Up to 72 months 5.24% - 17.49%

 

Motorhomes, Boats, Fifth-Wheels, Horse Trailers, & Travel Trailers

Call or stop by your local branch for current account disclosures. Rates include a maximum qualifying discount of 0.50% from the list below:
  • -.25% Active PCFCU Checking Account for 3 years & minumum financed $30,000
  • -.25% Recurring Automatic or ACH Payment Set-up
  • -.25% Fuel Efficient Vehicle at least 28 mpg combined per fueleconomy.gov guide
  • -.25% Buy Local (Klamath Falls, Lakeview, Alturas; includes private party)
  • -.25% Refinance a Loan From Another Lender

Rate Additions, maximum of 1.00% (Increases Loan Rate) Rate additions do not apply to Share/Certificate Secured, Classic Vehicles, Quick Loan, Citizenship Loan, or Line of Credit/Overdraft Protection loans.
+1.00%    Vehicle has 120,000 or more miles, and credit score is below 680.
The Annual Percentage Rate you receive for the above loans is based on certain credit-worthiness criteria. Your rate will be set at the time of each loan and will be disclosed on the loan agreement and disclosures. Rates are subject to change at any time. A credit union representative will disclose any rate discounts or additions that may apply.
New or Used Term Annual Percentage Rate
New Only Up to 120 months 3.99% - 14.50%
New Only 121-180 months 4.89% - 14.75%
Used Up to 84 months 4.95% - 15.00%
Used 85-144 months 5.45% - 15.50%

 

All Other Secured (ATV, Motorcycle, PWC, S X S, Snowmobile)

Call or stop by your local branch for current account disclosures. Rates include a maximum qualifying discount of 0.50% from the list below:
  • -.25% Active PCFCU Checking Account for 3 years & minimum financed $30,000 
  • -.25% Recurring Automatic or ACH Payment Set-up
  • -.25% Fuel Efficient Vehicle at least 28 mpg combine per fueleconomy.gov guide
  • -.25% Buy Local (Klamath Falls, Lakeview, Alturas; includes private party)
  • -.25% Refinance a Loan From Another Lender

Rate Additions, maximum of 1.00% (Increases Loan Rate) Rate additions do not apply to Share/Certificate Secured, Classic Vehicles, Quick Loan, Citizenship Loan, or Line of Credit/Overdraft Protection loans.
+1.00%    Vehicle has 120,000 or more miles, and credit score is below 680.
The Annual Percentage Rate you receive for the above loans is based on certain credit-worthiness criteria. Your rate will be set at the time of each loan and will be disclosed on the loan agreement and disclosures. Rates are subject to change at any time. A credit union representative will disclose any rate discounts or additions that may apply.
Term Annual Percentage Rate
Up to 72 months 4.99% - 15.00%
Over 72 months to 96 months 6.75% - 15.25%
Over 96 months to 120 months 7.25% - 15.50%

 

Signature Advance

Rate discounts do not apply.
Term Annual Percentage Rate
Up to 48 months 6.99% - 15.25%
Over 48 months to 72 months 7.49% - 15.75% 
Over 72 months to 144 months 7.99% - 16.00%


 

Line of Credit/Overdraft Protection

Rate discounts do not apply.
Term Annual Percentage Rate
  11.50% - 18.00%

 

Share Secured

Percent Above Index Term Annual Percentage Rate
3% Up to 144 months view
The ANNUAL PERCENTAGE RATE (APR) for share secured loans will be the dividend rate being paid on regular shares offered as security (Index) on the date of the advance plus the percentage shown in the "%Above Index" column above. Rate discounts do not apply.

 

Certificate Secured

Percent Above Index Term Annual Percentage Rate
3% Up to 144 months view
The ANNUAL PERCENTAGE RATE (APR) for Certificate secured loans will be the dividend rate being paid on the Certificate offered as security (Index) on the date of the loan plus the percentage shown in the "%Above Index" column above. Rate discounts do not apply.

 

Quick Loan - $500 Minimum/Maximum Loan Amount

Term Annual Percentage Rate
Up to 4 months 18.00%
Rate discounts do not apply.
The Quick Loan is a short term loan designed to help our members build credit or fund an emergency. It is a $500 loan that can be paid back within 4 months or 8 semi-monthly or bi-weekly payments. This loan requires a Quick Loan Shares Account. When you make your loan payment, an additional $20 per month is required to be deposited into the Quick Loan Shares Account. If the loan is in default, the balance in the Quick Loan Shares will be applied towards the unpaid balance. Monthly payments are estimated at $25.95 per $100 financed. When the loan is paid in full, the Quick Loan Shares balance will be released into your Regular Savings Account.
Qualifications to apply for a Quick Loan: Pacific Crest FCU membership must be open for 90 days Pacific Crest FCU accounts must be in good standing Members Can apply for the Quick Loan only twice per year There is a 30 day waiting period between Quick Loans

 

 

Citzenship Loan

Rate discounts do not apply.
Term Annual Percentage Rate Estimated Monthly Payment
$1000 for 12 months, 1 person 12.00% 88.84
$2000 for 24 months, 2 persons 12.00% 94.15
$3000 for 36 months, 3 persons 12.00% 99.65
$4000 for 48 months, 4 persons 12.00% 105.35
The Citizenship Loan is for members wanting to complete their citizenship paperwork. The loan is designed to provide $1000 per person up to $4000 for a family of four. The loan term is 12 months per $1000. Monthly payments are estimated above.

 

Loan Application Fee: You will be charged $15.00 for all new loan applications of all loan types whether approved or not.