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Mortgages

Select from a variety of mortgage products, because PCCU understands one size does not fit all.

When you apply for a mortgage you'll receive disclosures and other information, including a Good Faith Estimate. If you elect not to receive this by email you will instead receive a paper packet in the mail from our partners at CU Channels that is about an inch thick. Don't be intimidated! Just bring it with you when you come to see Sallye or Josh, they'll walk you through it. Getting a mortgage can be daunting, but with PCCU on your side it doesn't have to be!

• Quick, online approvals 24/7. Apply for a mortgage online and within minutes receive a pre-approval letter. It's easy and you can apply anywhere

• 30 year fixed-term mortgages available

• 30-day closing

• Competitive Closing Cost

• Sub-prime mortgages

• Purchase or Refinance

• Conventional/Non-Conventional Mortgages

• Investment properties

• Mortgages in Wayne, Henry, Madison, Hancock, Deleware, Randolph, Rush, Fayette, and Union counties only

• No out-of-state mortgages

• Minimum mortgage of $50,000

• Self-Employed borrowers may apply (need two years of tax returns)

• First mortgage application fee of $40

• Pre-qualifications available

• Non-members may apply. Approved members must join PCCU to close loan.

• Modular home mortgages available. No manufacturered home mortgage

• Option to Purchase

• Financial Education

• Process/Partnership with CU Channels

Home Equity Loans

• Variety of terms to choose from to set a payment that best suits your budget

• Competitive market rate; based on equity in your home

• PCCU offers home equities, using your investment property

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Lend Right Mortgages

• FIRST TIME HOME BUYERS!

• No down payment required

• 30 year term

• Maximum LTV 95% of the appraised value

• Financial Education Requirements

• Total Debt Ratio < 45%

• Mortgages $30,000 - $75,000 (including any repairs as part of mortgage)

• 3/1 (fixed for 3 years with an annual interest rate adjustment)

• Payroll Direct Deposit Required

• Appraisals may be "subject to" with repair quotes submitted from APPROVED BUSINESS PARTNERS

• Use 90 day single pay note product to fund appraisal, title fee and flood determination

• Home value determined by appraised value in order to finance closing costs

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Auto Loans

• Loan terms up to 84 months

• Maximum loan-to-value of 120%

• No early payoff penalties

• GAP insurance available

• Credit Recovery lending available

Recreational Vehicle Loans

• Up to 90% of sticker on new RV's and 90% of the average retail in the NADA Guidebook on Used RV's

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Personal Loans

For purposes such as new lawn mowers, minor home repairs, car repairs, consolidation of credit cards, weddings, and more

• Borrow up to $20,000

• Terms up to 60 months

• Rates are below market - especially when compared to on-the-spot financing companies.

• Amount of loan of and interest rate dependent upon credit score

• A+/A Beacon Score can apply for a loan up to 3X your gross monthly income for up to 60 months

• B/C Beacon Score can apply for a loan up to 1x your gross monthly income for up to 60 months

• Less than C Beacon Score can apply for a loan up to max for $3000 for up to 36 months

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Durable Goods Loans

This loan is for those larger purchases that do not carry a title such as lawn mowers, computers and tractors

• New purchases are better suited for this type of loan, but used items will be considered as well

• The terms are flexible enough to suit any lifestyle

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Secured Loans

Borrow against the money in your share account at the best interest rate possible with flexible payment terms

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Peace of Mind Credit Line

After looking at the costs of payday loans in our marketplace PCCU has made it a priority to create a short term 30-day loan that will combat the payday lenders who are gouging PCCU's members and community members alike.

We understand that life can bring unexpected surprises and being able to borrow up to $600 off your next paycheck would be a better option than taking a credit card advance or writing bad checks. As a credit union it is our job to provide financial help to individuals of all ages and walks of life at an affordable cost.

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PCCU's Peace of Mind Credit Line (POMCL):

• Fast, easy and confidential

• Short term one month loan

• Member must have a PCCU savings and checking account in good standing.

• If member has been negative more than 10 days on their PCCU checking account, the member must wait 60 days from when they bring the checking account positive before the next POMCL may be issued.

• Any current PCCU loan(s) must be in good standing.

• If member has been delinquent 10 days or more on any other PCCU loan product, the member must wait 60 days from when they bring the loan/loans current before next POMCL may be issued.

• Loan is up to 20% of your gross monthly income (maximum of $600)

First POMCL loan has a maximum amount of $200. Loan amount cannot be greater than net pay received in members pay period. Loan must be paid off and wait 30 days to apply for a second POMCL loan.

Subsequent POMCL loans must be paid in full before a future POMCL loan may be issued.

Subsequent POMCL loans may be issued on the same day the existing loan is paid off. However, it must be paid off either with a transfer of funds that are already on deposit in a share account with

PCCU or you need to bring cash to pay off the existing loan. There would be at least a 5 day waiting period between loans to make sure a check from another financial institution has cleared.

Member must complete a new POMCL application each time. There is a $5 application fee.

Member must provide verification of income, social security letter or retirement letter.

This product is not available to self-employed individuals, please apply under our Personal Loan

No credit report is pulled for this loan product.

We do not accept online loan applications for this product. Please apply at your local PCCU branch.

Need more help with your debt problems?
Talk to your local PCCU Branch Manager for more information.

*Finance charge based on 36% Annual Percentage Rate. You must have a checking account in good standing with PCCU. Loan must be paid in full at one month from loan agreement date. This institution is not federally insured.

Visa Credit Cards

PCCU Visa Platinum

Print and return our Visa Application

• No annual fee

• No balance transfer fees

• Merchandise/Travel rewards

• Easy application

• Fast approval

• Online payments

• Competitive rates

• No application fee

• Travel accident insurance

Visa Rewards

• As you use your card, you'll accumulate points that you can redeem for a seemingly endless selection of merchandise, travel, event tickets, and activities.

• The more you use your card, the more great rewards you get.

• Browse our Rewards

Merchandise

• Our selection ranges from gorgeous designer shoes and purses to electronics and techno-savvy gadgets.

• Over six million merchandise options.

Events

• Your rewards get you front row seats at thousands of in-demand events.

• Redeem your points for the best in entertainment.

Travel

• Customize your trip or choose from hundreds of packages offered by major resorts and cruise lines.

Activities

• Reward yourself with a breathtaking experience, such as helicopter rides, spa packages, and city tours await you at Member Choice Rewards.

• If you can dream it, you can do it with Member Choice Rewards.

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