Rates updated March 6th, 2023
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. Floor of 2.99%APR. Add .50% for every 12 months financed to terms over 84 months. 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 5.99%APR, the monthly payment would be $490.23.
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. Floor of 2.99%APR. Add .50% for every 12 months financed to terms over 84 months. 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 6.24%APR, the monthly payment would be $667.47.
| 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.
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.
NMLO# 439269 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 3.50%. Repayment Example: a $180,000 loan for a term of 180 months with a 7.05%APR, the monthly payment would be $1,623.82
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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