Loan Rates

PCCU Auto – Truck – Motorcycle Loan Rates

New Vehicle

 Tier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
Max TermAPR
844.24%5.24%6.84%NANA
723.39%4.39%6.79%NANA
602.73%3.73%5.93%7.18%21.00%
482.59%3.59%5.64%6.89%21.00%
362.49%3.49%4.89%6.74%21.00%
242.39%3.39%4.79%6.40%21.00%
Max Advance of MSRP105%105%100%100%100%

Used Vehicle: 2014 & Newer

 Tier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
Max TermAPR
723.49%5.19%7.09%NANA
602.74%3.84%6.09%8.06%21.00%
482.69%3.79%5.89%7.86%21.00%
362.59%3.69%5.39%7.76%21.00%
242.49%3.59%5.04%7.66%21.00%
Auto: Max Advance of NADA Value - Retail110%110%100%95%90%
Motorcycle: NADA Value - Average w/Options110%110%110%NANA
Motorcycle: NADA Value - Average No OptionsNANANA85%85%

Used Vehicle: 2009 – 2013

 Tier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
Max TermAPR
726.09%7.69%9.59%NANA
605.34%6.34%8.59%10.56%21.00%
485.29%6.29%8.39%10.36%21.00%
365.19%6.19%7.89%10.26%21.00%
245.09%6.09%7.54%10.16%21.00%
Auto: Max Advance of NADA Value - Retail100%100%100%NANA
Auto: Max Advance of NADA Value - LoanNANANA100%90%
Motorcycle: NADA Value - Average No Options110%110%110%NANA
Motorcycle: NADA Value - Average No OptionsNANANA85%85%

Used Vehicle: 2008 & Older

 Tier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
Max TermAPR
72NANANANANA
607.84%8.84%11.09%NANA
487.79%8.79%10.89%12.86%21.00%
367.69%8.69%10.39%12.76%21.00%
247.59%8.59%10.04%12.66%21.00%
Auto: Max Advance of NADA Value - Loan100%100%100%90%85%
Motorcycle: NADA Value - Average No Options100%100%100%NANA
Motorcycle: NADA 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 months9.99%10.24%11.74%17.84%21.00%
37-60 months10.24%10.54%12.04%18.14%21.00%

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Other Secured: Boat – RV – ATV – Mobile Home – Classic Auto – Other non-titled

 Tier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
APR
1-60 Months4.69%5.34%6.49%11.90%21.00%
61-120 Months6.19%6.49%7.89%12.90%21.00%
121-180 Months7.39%7.49%8.69%13.90%21.00%

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Visa Card Rates

Credit ScoreRewards Card
Annual Percentage Rate
Non-Rewards Card
Annual Percentage Rate
800+11.00%9.00%
700 - 79913.00%11.00%
600 - 69916.00%15.00%
< 60020.00%19.00%

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Home Equity-Closed-End Fixed Rates

 Tier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
APR
10 Years4.70%4.90%5.10%6.40%8.40%
15 Years5.20%5.40%5.60%6.90%8.90%
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 loan officer today:

Hagerstown: 800-582-7228
Richmond: 866-472-1038
New Castle: 866-829-5060

Or stop in at any branch and start one in person.


Home Equity Line of Credit (HELOC)

 Tier A+Tier ATier BTier C
Primary borrower credit score800+700+600+< 600
APR
Prime: 5.00%6.00%8.00%10.00%12.00%

Maximum Annual Percentage Rate that may be imposed is 21%

To Apply for a Home Equity Line of Credit, contact a loan officer today:

Hagerstown: 800-582-7228
Richmond: 866-472-1038
New Castle: 866-829-5060

Or stop in at any branch and start one in person.