CONSUMER LOANS
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AUTO LOANS
Need direction? An auto loan from PCT Federal Credit Union can help you get to your destination! Whether you’re looking for a new or used vehicle, we have the right product for you.
Already financed through the dealership? No worries! Our auto loan refinancing option may save you time, money, and aggravation.
Limited Time Auto Loan Special: Enjoy New & Used Auto Loan rates as low as 2.99% APR* for a limited time only!
*Member eligibility required. Rates are determined by credit history, credit score of 660 or higher. Your rate may be higher than the quoted rate. Maximum term of 60 months. Special rate available for vehicles years 2017-2020. No other discounts available with this special rate offer except for -0.10% if you purchase GAP coverage. 60 payments of $17.97 per $1,000. Requires an automatic payment deduction from a PCT account. Current PCTFCU auto loans are not eligible for refinancing. Loans subject to credit approval. Rate available for a limited time only and can be withdrawn by the credit union at any time. Federally insured by NCUA. Shared in excess of NCUA limits are fully insured by MSIC.
Supplementary Auto Loan Products
MOTORCYCLE LOANS
Feel the freedom of the open road with a motorcycle loan from PCT Federal Credit Union. Now financing new and used motorcycles.
BOAT LOANS
All aboard! PCT Federal Credit Union offers boat loans to suit your nautical needs. Let us be your safe harbor for financing new and used boats.
RECREATIONAL VEHICLE LOANS
Hit the road with a recreational vehicle loan from PCT Federal Credit Union. We finance new RVs to help fund your next adventure.
PERSONAL LOANS
Dreaming of a vacation or new living room set? Turn your dreams into a reality with an unsecured personal loan tailored to your needs! With flexible repayment terms and competitive rates, PCT Federal Credit Union can help you turn your vision into a reality.
SHARE SECURED LOANS
Looking to build credit? A share secured loan is a great way to have access to funds without dipping into your savings. Let your money work for you by borrowing up to 95% of your overall savings account balance.
OVERDRAFT LINE OF CREDIT
We understand emergencies arise and mistakes happen. Take advantage of our overdraft line of credit product to ensure your checking account is protected. With automatic advances and no per-item charges, you can enjoy the convenience and peace of mind that your account is covered. Interest accrues on the outstanding balance.
FUEL LINE OF CREDIT
Worried about paying the high costs of heating your home this year? Let us take care of your home-energy expenses with a fuel line of credit. When we receive your fuel bill, we will advance from your line to make the payment in full. Instead of having to pay the entire bill upfront, you will then only make low monthly payments to us until the balance is paid off.