Rates updated February 27, 2025
| Vehicle Loan Rates | Term | APR as low as | Using 10,000 Loyalty Points APR as low as | Payment Calculator |
|---|---|---|---|---|
| New & Used Vehicles | 0-35 months | 4.99% | 4.49% | Auto Loan Calculator |
| New & Used Vehicles | 36-59 months | 5.24% | 4.74% | Auto Loan Calculator |
| New & Used Vehicles | 60-83 months | 5.49% | 4.99% | Auto Loan Calculator |
*Restrictions: Rates based on using 10,000 Member Loyalty Points. Member must have 10,000 Loyalty Points at the time of the transaction. Increase rate by 0.50% without Loyalty Points. Used vehicles and motorcycles 10 model years or older will be priced at the personal loan rate with max 75%LTV. Loan rate not to exceed 18%APR. *APR=Annual Percentage Rate. Rates are based upon credit worthiness and are subject to change without notice. Floor of 3.99%APR. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Repayment Example: A $25,000 vehicle loan for a term of 59 months with 5.24%APR, the monthly payment would be $481.55.
| Specialty Vehicle Loan Rates | Term | APR as low as | Using 10,000 Loyalty Points APR as low as | Payment Calculator |
|---|---|---|---|---|
| New & Used Specialty Vehicles | 0-35 months | 4.99% | 4.49% | Auto Loan Calculator |
| New & Used Specialty Vehicles | 36-59 months | 5.24% | 4.74% | Auto Loan Calculator |
| New & Used Specialty Vehicles | 60-83 months | 5.49% | 4.99% | Auto Loan Calculator |
Additional terms available, call for details- 260-432-3433.
*Specialty Vehicles included: RV’s, Travel Trailers, 5th Wheels, Motor Homes, Boats, ATV’s, UTV’s, and other recreational merchandise. Rates based on using 10,000 Member Loyalty Points. Member must have 10,000 Loyalty Points at the time of the transaction. Increase rate by 0.50% without Loyalty Points. Used specialty vehicles 10 model years or older will be priced at the personal loan rate with max 75%LTV. Minimum amount financed requirements for terms over 60 months. Loan rate not to exceed 18%APR. *APR=Annual Percentage Rate. Rates are based upon credit worthiness and are subject to change without notice. Floor of 3.99%APR. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Repayment Example: A $40,000 specialty vehicle loan for a term of 72 months with 5.49%APR, the monthly payment would be $653.30.
| Credit Card Rates | APR as low as | ||
|---|---|---|---|
| VISA Platinum | 11.80% | ||
| VISA Share Secured | 12.90% | ||
| VISA Classic | 13.90% |
VISA DISCLOSURES– This is Public Service Credit Union’s credit card account agreement and it includes necessary federal truth-in-lending disclosure statements, Visa Classic, Secured Visa Classic, and Visa Platinum Agreements and any special instructions regarding the use of a PSCU Visa Classic, Secured Visa Classic, and/or Visa Platinum credit cards, and/or any other account access device.
| Other Loan Rates | Term up to | APR as low as | Payment Calculator |
|---|---|---|---|
| Personal Loan | 60 months | 11.49% | Loan Payment Calculator |
| Credit Builder | 60 months | 12.00% | Loan Payment Calculator |
| Share Secured | 60 months | 4.00% | Loan Payment Calculator |
| Certificate Secured | 60 months | 1.00%+Certificate Rate | Loan Payment Calculator |
Restrictions: Loans not to exceed 60 months; Loans not to exceed 18%. *APR=Annual Percentage Rate. Rates are based upon credit worthiness and are subject to change without notice. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Repayment Example: a $10,000 loan for a term of 60 months with a 11.49%APR, the monthly payment would be $219.93.
| Mortgage Rates | Term | APR as low as | Payment Calculator |
|---|---|---|---|
| 1st Mortgage | up to 60 months | 6.30% | Mortgage Loan Calculator |
| 1st Mortgage | 61-120 months | 6.50% | Mortgage Loan Calculator |
| 1st Mortgage | 121-180 months | 6.70% | Mortgage Loan Calculator |
| 1st Mortgage | 181-240 months | 6.90% | Mortgage Loan Calculator |
| 2nd Mortgage | up to 60 months | 6.70% | Mortgage Loan Calculator |
| 2nd Mortgage | 61-120 months | 7.70% | Mortgage Loan Calculator |
| 2nd Mortgage | 121-180 months | 8.45% | Mortgage Loan Calculator |
| HELOC | 240 months | Prime Rate with Floor |