Loan Rates & Disclosures

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Rates effective as of:

January 1, 2021

Loan Type Fixed Rate
Max Term Mo. Pmt/$1,000 Details
New & Used Car1,2,7 2.99% APR*
Special Rate
60 Months $17.97
2017-2021 Up to 100% MSRP or NADA Retail
$60,000 Max 3.99% APR 61-84 Months $18.15
2010-2021 Up to 100% MSRP or NADA Retail
New and Used Motorcycle1,2,7 6.49% APR 60 Months $19.56
2012-2021 Up to 100% NADA Retail
$50,000 Max 6.74% APR 61-84 Months $19.41
2012-2021 Up to 100% NADA Retail
Personal (unsecured)1,2 5.74% APR 36 Months $30.31
$25,000 Max 8.74% APR 37-60 Months $20.64
11.74% APR 61-84 Months $17.52
Credit Builder Loan8 $5,000 Max 5.99% APR 60 Months $17.52
PCT First Mortgages1,3,4 Up to 240 Months Limited closing costs.
Max of $350,000. Refinance Only.
Short Term1,3,4 Call us for
daily rates.
84 Months
120 Months
180 Months
Fixed Rate Equity1,3,4 4.24% APR 60 Months $18.53 Limited Closing Costs
4.99% APR 120 Months $10.61 Limited Closing Costs
5.24% APR 180 Months $8.04 Limited Closing Costs
Equity Line of Credit1,3,4 Prime minus .50% 25 Years Variable Rate, Adjusted Monthly, 18% Max, Limited Closing Costs. Floor Rate 2.50% APR
Additional Mortgage Options View rates for conventional mortgages.
Call us for VA and FHA loans.
New Boat1 8.50% APR 60 Months $20.53 80% Financing — $30,000 Max Loan
8.74% APR 84 Months $15.97
Used Boat1 8.75% APR 60 Months $20.65 75% Financing — $20,000 Max Loan
New Rec. Vehicle1 8.50% APR 84 Months $15.85 70% Down — $25,000 Max Loan
Visa® Credit Card1 9.90% APR $10,000 Max Credit Line, No Annual Fee
Visa® Balance Transfer 4.99% APR 12 Months $85.60 $10,000 Max Credit Line, No Annual Fee
Share Secured Loan APY5+3.00% 60 Months
Overdraft Protection 18% APR $500 – $3,000 Credit Line, $10 Annual Fee
Mass Save HEAT Loan 0.00% APR 84 Months $11.91 $25,000 Max Limit,
Fuel Loan 5.25% APR 12 Months $85.74 $2,500 Max Credit Line


1 = Rates are determined by credit history. Your rate may be higher than the quoted rate.

2 = Requires an automatic payment deduction from a PCT Federal Credit Union checking or savings account.

3 = Other costs may apply in some circumstances. Example, discharge fees, trust-related costs, appraisal fees if needed.

4 = The credit union will pay normal and customary closing costs. If the plan is closed within the first three years for terms less than 15 years, or the first five years for the 20 year term, you will be liable to reimburse the credit union for any costs paid on your behalf. Any amount owed may be added to the principal balance. Closing cost fees can range between $500 and $700.

5 = Annual Percentage Yield

6 = Limited time offers. Some restrictions may apply. Not valid on current PCTFCU loans.

7 = Maximum term allowed for loan is determined by the year of the vehicle.

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.

*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 2017-2021. No other discounts available with this special rate offer except for -0.10% if you purchase GAP coverage. 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.