Rates updated September 2, 2020

Vehicle Loan RatesTermAPR as low asPayment Calculator
New & Used Vehicles0-35 months 3.00%Auto Loan Calculator
New & Used Vehicles36-59 months3.25%Auto Loan Calculator
New & Used Vehicles60-83 months3.40%Auto Loan Calculator
New & Used Vehicles84 or more months4.20%Auto Loan Calculator
Restrictions: Used vehicles 10 model years or older will be priced at the personal loan rate. Loan rate 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 $25,000 vehicle loan for a term of 60 months with 3.40%APR, the monthly payment would be $453.73.
Specialty Vehicle Loan RatesTermAPR as low asPayment Calculator
New & Used Specialty Vehicles0-35 months 3.00%Auto Loan Calculator
New & Used Specialty Vehicles36-59 months3.25%Auto Loan Calculator
New & Used Specialty Vehicles60-83 months3.40%Auto Loan Calculator
New & Used Specialty Vehicles84- 120 months4.20%Auto Loan Calculator
Specialty Vehicles included: RV’s, Travel Trailers, 5th Wheels, Motor Homes, Motorcycles, Boats and other recreational merchandise.  Used specialty vehicles 10 model years or older will be priced at the personal loan rate. Loan rate 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 $25,000 specialty vehicle loan for a term of 60 months with 3.40%APR, the monthly payment would be $453.73.
Credit Card Rates APR as low as 
VISA Platinum11.80%
VISA Share Secured12.90%
VISA Classic13.90%
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 RatesTerm up toAPR as low asPayment Calculator
Personal Loan60 months7.95%Loan Payment Calculator
Credit Builder60 months12.00%Loan Payment Calculator
Share Secured60 months4.00%Loan Payment Calculator
Certificate Secured60 months2.00%+Certificate RateLoan 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 7.95%APR, the monthly payment would be $202.61.
Mortgage RatesTermAPR as low asPayment Calculator
1st Mortgageup to 60 months3.00%Mortgage Loan Calculator
1st Mortgage61-120 months3.00%Mortgage Loan Calculator
1st Mortgage121-180 months3.05%Mortgage Loan Calculator
1st Mortgage181-240 months3.40%Mortgage Loan Calculator
2nd Mortgageup to 60 months3.60%Mortgage Loan Calculator
2nd Mortgage61-120 months3.85%Mortgage Loan Calculator
2nd Mortgage121-180 months4.10%Mortgage Loan Calculator
HELOC240 monthsPrime Rate with Floor
Restrictions:  Loans not to exceed 240 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. HELOCs are priced at the prime rate with a floor of 4.25%.  Repayment Example: a $80,000 loan for a term of 180 months with a 3.05%APR, the monthly payment would be $554.44.
Home Mortgage Disclosure Act Notice: The HMDA data about our residential mortgage lending are available for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex and income of applicants and borrowers; and information about loan approvals and denials.  Inquire in our office regarding locations where HMDA data may be inspected.

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