Loan Rates & Disclosures

_{¹APR (Annual Percentage Rate): All APRs are stated as of the effective date, and they are subject to change without notice. The actual APR you receive may vary based on factors such as your credit score, loan amount, loan term, and other individual financial factors.
²Auto Loans: The rates for auto loans are based on the FICO credit score categories and the term of the loan. Please note that the maximum loan amount is $60,000.00, and the eligibility for specific model years is provided.
³Personal Loans: The rates for personal loans are also based on FICO credit score categories and the term of the loan. The maximum loan amount is $10,000.00. Interest rates for this loan type may be higher compared to secured loans.
⁴Visa® Credit Card: There are two Visa® credit card options listed: Visa® Credit Card and Visa® Balance Transfer. Please be aware of the specific APR rates associated with each card and the maximum credit line. The Balance Transfer option offers a lower introductory APR for a limited time.
⁵Credit Builder Loan & Shared Secured Loan: The Credit Builder Loan has a fixed APR, while the Shared Secured Loan has an APY (Annual Percentage Yield) rate that includes a 3.00% premium over the savings account rate. The maximum loan amount for both is $5,000.00.
⁶Miscellaneous Loans: Be aware of the APR, term, and limit associated with miscellaneous loans like Overdraft Protection, Fuel Loan, and Mass Save HEAT Loans.
⁷Home Equity Line of Credit (Variable Rate). The rate is Prime Rate as published in the Wall Street Journal on the first business day of each month, not to go below 2.50% (floor rate), or exceed 18% (ceiling rate). The current Prime Rate is 8.50%. Early withdrawal fees apply. Borrower to assume all closing costs.
⁸General Disclaimer: All loan rates and terms are subject to change, and approval for loans is subject to credit approval. Rates may vary based on creditworthiness and other factors. It's recommended to contact PCT Federal Credit Union directly for the most current rates, terms, and eligibility criteria.
⁹Limits and Terms: Pay attention to the maximum loan amounts, loan terms, and any special conditions or limitations associated with each loan type.
¹⁰Additional Fees: Be aware of any additional fees, such as late payment fees or origination fees, that may apply to your loan.
¹¹Eligibility: Loan eligibility may vary based on credit score, income, and other factors. Meeting the minimum credit score requirement does not guarantee loan approval.}