Loan Rates & Disclosures

BORROW > Loan Rates & Disclosures

Rates effective as of:

11/4/2022

Auto Loans (New & Used)1APR Rates & TermsDetails
$60,000 Max
FICO Category63 Months or <64 – 75 Months76 – 84 Months2017 – 2022
700+5.50%5.75%6.00%2017 – 2022
661 – 6997.00%7.25%7.50%2017 – 2022
550 – 6609.25%9.50%9.99%2017 – 2022
Personal Unsecured1APR Rates & Terms
$10,000 Max
FICO Category0 – 36 Months37 – 84 Months
700+7.00%8.50%
660 – 6999.00%10.00%
609 – 65913.00%13.00%
APR Rates & TermsDetails
Overdraft Protection18.00%$500 – $3,000 Credit Line
Fuel Loan2.5%12 Months$3,000 Max Credit Line
Mass Save HEAT Loan0%84 Months$25,000 Max Limit
Visa® Credit CardAPR Rates & Terms
Visa® Credit Card19.90%10k Max Credit Line, No Fee
Visa® Balance Transfer4.99%12 Months10k Max Credit Line, No Fee
Credit Builder Loan8APR Rates & Terms
$5,000 Max
5.99%60 Months
Shared Secured LoanAPY5 +3.00%120 Months
1 = Rates are determined by credit history 8 = Loan funds are disbursed into member’s PCTFCU savings account and pledged as collateral on the loan. No funds will be disbursed to the member at loan closing. As payments are made, the funds will be released to the member. The granting of a credit builder loan does not guarantee future loans.