Loan Rates | Perfect Circle Credit Union

PCCU Auto – Truck – Motorcycle Loan Rates

New Auto Loan Rates	Tier A+	Tier A	Tier B	Tier C	Tier D
Primary borrower credit score	730+	729-680	679-640	639-600	≤ 599
Max Term	APR
84	7.54%	8.54%	10.54%	NA	NA
72	6.54%	7.54%	9.54%	NA	NA
60	5.95%	6.95%	8.95%	11.45%	21.00%
48	5.90%	6.90%	8.90%	11.40%	21.00%
36	5.65%	6.65%	8.65%	11.15%	21.00%
24	5.60%	6.60%	8.60%	11.10%	21.00%
Max Advance of MSRP	105%	105%	100%	100%	100%

Used Auto Loan Rates - 2019 & Newer	Tier A+	Tier A	Tier B	Tier C	Tier D
Primary borrower credit score	730+	729-680	679-640	639-600	≤ 599
Max Term	APR
72	6.74%	7.74%	9.74%	NA	NA
60	6.49%	7.49%	9.49%	11.99%	21.00%
48	6.44%	7.44%	9.44%	11.94%	21.00%
36	6.24%	7.24%	9.24%	11.74%	21.00%
24	5.94%	6.94%	8.94%	11.44%	21.00%
Auto: Max Advance of NADA Value - Retail	110%	110%	100%	95%	90%
Motorcycle: NADA Value - Average w/Options	110%	110%	110%	NA	NA
Motorcycle: NADA Value - Average No Options	NA	NA	NA	85%	85%

Used Auto Loan Rates - 2015 - 2018	Tier A+	Tier A	Tier B	Tier C	Tier D
Primary borrower credit score	730+	729-680	679-640	639-600	≤ 599
Max Term	APR
72	9.49%	11.49%	13.99%	NA	NA
60	9.24%	11.24%	13.74%	16.24%	21.00%
48	9.19%	11.19%	13.69%	16.19%	21.00%
36	8.94%	10.94%	13.44%	15.94%	21.00%
24	8.89%	10.89%	13.39%	15.89%	21.00%
Auto: Max Advance of NADA Value - Retail	100%	100%	100%	NA	NA
Auto: Max Advance of NADA Value - Loan	NA	NA	NA	100%	90%
Motorcycle: NADA Value - Average No Options	110%	110%	110%	NA	NA
Motorcycle: NADA Value - Average No Options	NA	NA	NA	85%	85%

Used Auto Loan Rates - 2014 & Older	Tier A+	Tier A	Tier B	Tier C	Tier D
Primary borrower credit score	730+	729-680	679-640	639-600	≤ 599
Max Term	APR
60	11.49%	13.74%	16.24%	NA	NA
48	11.44%	13.69%	16.19%	18.69%	21.00%
36	11.19%	13.44%	15.94%	18.44%	21.00%
24	11.14%	13.39%	15.89%	18.39%	21.00%
Auto: Max Advance of NADA Value - Loan	100%	100%	100%	90%	85%
Motorcycle: NADA Value - Average No Options	100%	100%	100%	NA	NA
Motorcycle: NADA Value - Average No Options	NA	NA	NA	75%	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.

	Tier A+	Tier A	Tier B	Tier C	Tier D
Primary borrower credit score	730+	729-680	679-640	639-600	≤ 599
	APR
1-36 months	12.74%	12.99%	14.49%	20.49%	N/A
37-60 months	12.99%	13.29%	14.79%	N/A	N/A

	Tier A+	Tier A	Tier B	Tier C	Tier D
Primary borrower credit score	730+	729-680	679-640	639-600	≤ 599
	APR
1-60 Months	7.75%	8.40%	9.55%	15.55%	N/A
61-120 Months	9.50%	10.15%	11.30%	17.30%	N/A
121-180 Months	10.75%	11.35%	12.50%	N/A	N/A

Credit Score	Rewards Card Annual Percentage Rate	Low Rate Card Annual Percentage Rate
800+	13.75	11.75
700 - 799	15.75	13.75
600 - 699	18.75	17.75
< 600	22.75	21.75

	Tier A+	Tier A	Tier B	Tier C	Tier D
Primary borrower credit score	730+	729-680	679-640	639-600	≤ 599
	APR
10 Years	7.75%	8.05%	8.35%	9.75%	N/A
15 Years	7.90%	8.20%	8.50%	9.90%	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%