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
845.79%6.79%8.79%NANA
724.74%5.74%7.74%NANA
604.49%5.49%7.49%9.99%21.00%
484.44%5.44%7.44%9.94%21.00%
364.19%5.19%7.19%9.69%21.00%
244.14%5.14%7.14%9.64%21.00%
Max Advance of MSRP105%105%100%100%100%

Used Vehicle: 2018 & Newer

Used Auto Loan Rates - 2018 & NewerTier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
Max TermAPR
724.99%5.99%7.99%NANA
604.74%5.74%7.74%10.24%21.00%
484.69%5.69%7.69%10.19%21.00%
364.44%5.44%7.44%9.94%21.00%
243.64%4.64%6.64%9.14%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: 2014 – 2017

Used Auto Loan Rates - 2014 - 2017Tier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
Max TermAPR
727.74%9.74%12.24%NANA
607.49%9.49%11.99%14.49%21.00%
487.44%9.44%11.94%14.44%21.00%
367.19%9.19%11.69%14.19%21.00%
247.14%9.14%11.64%14.14%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: 2013 & Older

Used Auto Loan Rates - 2013 & OlderTier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
Max TermAPR
609.99%11.99%14.49%NANA
489.94%11.94%14.44%16.94%21.00%
369.69%11.69%14.19%16.69%21.00%
249.64%11.64%14.14%16.64%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.

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Personal Loan Rates

Tier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
APR
1-36 months10.49%10.74%12.24%18.24%N/A
37-60 months10.74%11.04%12.54%N/AN/A

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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 Months4.25%4.90%6.05%12.05%N/A
61-120 Months5.80%6.45%7.60%13.60%N/A
121-180 Months7.00%7.60%8.75%N/AN/A

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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

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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 Years5.75%6.05%6.35%7.75%N/A
15 Years5.90%6.20%6.50%7.90%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%