Loan Rates

PCCU Auto – Truck – Motorcycle Loan Rates

New Vehicle

New Auto Loan RatesTier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
Max TermAPR
847.54%8.54%10.54%NANA
726.54%7.54%9.54%NANA
605.75%6.75%8.75%11.25%21.00%
485.70%6.70%8.70%11.20%21.00%
365.45%6.45%8.45%10.95%21.00%
245.40%6.40%8.40%10.90%21.00%
Max Advance of MSRP105%105%100%100%100%
Max Advance of MSRP Motorcycle95%95%90%90%85%

Used Vehicle: 2020 & Newer

Used Auto Loan Rates - 2020 & NewerTier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
Max TermAPR
726.74%7.74%9.74%NANA
606.29%7.29%9.29%11.79%21.00%
486.24%7.24%9.24%11.74%21.00%
366.04%7.04%9.04%11.54%21.00%
245.74%6.74%8.74%11.24%21.00%
Auto: Max Advance of J.D. Power Value - Retail110%110%100%95%90%
Motorcycle: J.D. Power Value - Average w/Options95%95%95%NANA
Motorcycle: J.D. Power Value - Average No OptionsNANANA75%75%

Used Vehicle: 2016 – 2019

Used Auto Loan Rates - 2016 - 2019Tier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
Max TermAPR
729.49%11.49%13.99%NANA
609.04%11.04%13.54%16.04%21.00%
488.99%10.99%13.49%15.99%21.00%
368.74%10.74%13.24%15.74%21.00%
248.69%10.69%13.19%15.69%21.00%
Auto: Max Advance of J.D. Power Value - Retail100%100%100%NANA
Auto: Max Advance of J.D. Power Value - LoanNANANA100%90%
Motorcycle: J.D. Power Value - Average No Options95%95%95%NANA
Motorcycle: J.D. Power - Average No OptionsNANANA75%75%

Used Vehicle: 2015 & Older

Used Auto Loan Rates - 2015 & OlderTier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
Max TermAPR
6011.29%13.54%16.04%NANA
4811.24%13.49%15.99%18.49%21.00%
3610.99%13.24%15.74%18.24%21.00%
2410.94%13.19%15.69%18.19%21.00%
Auto: Max Advance of J.D. Power Value - Loan100%100%100%90%85%
Motorcycle: J.D. Power Value - Average No Options95%95%95%NANA
Motorcycle: J.D. Power Value - Average No OptionsNANANA75%75%

Open a new Checking Account with initial $1,000 deposit or Direct Deposit and receive an additional .10% DISCOUNT off your approved Auto Loan rate!

Pricing is based on your credit score, and term of loan. Rates are subject to change.

To learn more about your credit score go to AnnualCreditReport.com or call your local PCCU branch.

Apply Now

Personal Loan Rates

Tier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
APR
1-36 months12.74%12.99%14.49%20.49%N/A
37-60 months12.99%13.29%14.79%N/AN/A

Apply Now

Other Secured: Boat – RV – ATV – Mobile Home – Classic Auto

Tier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
APR
1-60 Months7.75%8.40%9.55%15.55%N/A
61-120 Months9.50%10.15%11.30%17.30%N/A
121-180 Months10.75%11.35%12.50%N/AN/A

Apply Now

Visa Card Rates

Credit ScoreRewards Card
Annual Percentage Rate		Low Rate Card
Annual Percentage Rate
800+
13.7511.75
700 - 799
15.7513.75
600 - 699
18.7517.75
< 600
22.7521.75

Apply Now

Home Equity-Closed-End Fixed Rates

Tier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
APR
10 Years7.50%7.80%8.10%9.50%N/A
15 Years7.65%7.95%8.25%9.65%N/A
See Policy for Max Term
Owner- Occupied: LTV 81% - 90% - add .50% to base rate above
Non-Owner Occupied: LTV 1% - 75% - add 1.50% to base rate above

To Apply for a Home Equity Loan, contact a Lisa Cowgill by email at lcowgill@pccu.com or call her at 765-489-4572.

Maximum Annual Percentage Rate that may be imposed is 21%