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Rates Effective: April 4, 2014
Prime Rate: 3.25%

Loan Rates

Apply for a loan online

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:
  • 0.25% Active PCFCU Checking Account for 3 years & minumum financed $30,000
  • 0.25% Automatic Payments from a PCFCU Account
  • 0.25% Energy Efficient Vehicle at least 28 mpg combined per fueleconomy.gov guide
  • 0.25% Buy Local (Klamath Falls, Lakeview, Alturas; includes private party)
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

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:
  • 0.25% Active PCFCU Checking Account for 3 years & minumum financed $30,000
  • 0.25% Automatic Payments from a PCFCU Account
  • 0.25% Energy Efficient Vehicle at least 28 mpg combined per fueleconomy.gov guide
  • 0.25% Buy Local (Klamath Falls, Lakeview, Alturas; includes private party)
New or Used Term Annual Percentage Rate
New Only Up to 120 months 3.49% - 15.50%
New Only 121-180 months 4.89% - 16.00%
Used Up to 84 months 4.95% - 17.00%
Used 85-144 months 5.45% - 17.50%

 

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:
  • 0.25% Active PCFCU Checking Account for 3 years & minimum financed $30,000 
  • 0.25% Automatic Payments From a PCFCU Account
  • 0.25% Energy Efficient Vehicle at least 28 mpg combine per fueleconomy.gov guide
  • 0.25% Buy Local (Klamath Falls, Lakeview, Alturas; includes private party)
Term Annual Percentage Rate
Up to 72 months 5.99% - 15.50%
Over 72 months to 96 months 6.75% - 16.25%
Over 96 months to 120 months 7.25% - 17.00%

 

Signature Advance

Rate discounts do not apply.
Term Annual Percentage Rate
Up to 48 months 7.99% - 17.25%
Over 48 months to 72 months 8.49% - 17.75% 
Over 72 months to 144 months 8.99% - 18.00%


 

Line of Credit/Overdraft Protection

Rate discounts do not apply.
Term Annual Percentage Rate
  11.50% - 18.00%
Loan Application Fee: You will be charged $15.00 for all new loan applications whether approved or not.

 

Share Secured

Rate discounts do not apply.
Percent Above Index Term Annual Percentage Rate
3% Up to 144 months view

 

Certificate Secured

Rate discounts do not apply.
Percent Above Index Term Annual Percentage Rate
3% Up to 144 months view

 

Quick Loan - $500 Minimum/Maximum Loan Amount

Rate discounts do not apply.
Term Annual Percentage Rate
Up to 4 months 18.00%
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 payments. This loan requires a Quick Savings Account. When you make your loan payment, an additional $20 per month is required to be deposited into the Quick Savings Account. If the loan is in default, the balance in the Quick Savings Account will be applied towards the loss. When the loan is paid in full, the Quick Savings balance will be released into your Regular Savings Account. Members can apply for the Quick Loan only twice in a year.