LOAN RATES
Effective 7/8/2008

APR=Annual Percentage Rate.  Annual Percentage Rates are subject to change without notice.  
Please contact the credit union for current rates and account disclosures.  
Members with credit scores of 635 or less may be charged a 1% higher rate.  
Please contact a PCMCU loan officer for details.

Click Here to Calculate a Monthly Payment Schedule for a Mortgage Loan
Fixed Rate First Mortgage Real Estate Loans
Rates as low as...
40 Year Loan $100,000 and over 6.75% APR
40 Year Loan Up to $100,000 6.75% APR
30 Year Loan $100,000 and over 6.375% APR
30 Year Loan Up to $100,000 6.50% APR
20 Year Loan $100,000 and over 6.375% APR
20 Year Loan Up to $100,000 6.50% APR
15 Year Loan $100,000 and over 6.00% APR
15 Year Loan Up to $100,000 6.00% APR
10 Year Loan $100,000 and over 6.00% APR   
10 Year Loan Up to $100,000 6.00% APR
*Important Rate Notice - If one borrower has a credit score of 680 or less, and the LTV is > 70%; the above rate may increase by as much as .75%.  This is a Fanniemae/Freddiemac requirement.  Please call a PCMCU mortgage loan officer for an accurate quote.  Rates are subject to change without notice.  Rates may vary based on the size of your loan, the term of your loan, and whether you will be escrowing for property taxes of insurance. 
First Mortgage Real Estate Loans
In-House 3 Year ARM 5.75% APR, 90% Max LTV
Fixed rate and low down payment mortgages are also available -- Please contact a loan officer for more information.

If the down payment is less than 20%, mortgage insurance may be needed which could increase the payment and APR.  In order to receive a guaranteed rate, an application must be submitted and an agreement must be signed by you officially locking the rate.  Mortgage applications are available at the credit union.  This loan is sold to the secondary mortgage market.  Rates are subject to change daily without notice.  Contact us for details.
Construction Loans
6 Month Loan 5.99% APR

Home Equity Loans
80% Loan to Value 5.99% APR
Home Equity Line Of Credit
80% Loan to Value- Variable Rate
Minimum APR = 5.50%   Maximum APR = 11%		 Prime + 0% 
 
Please contact the credit union, as certain closing costs may apply.  Contact your tax advisor to determine if your interest will be tax deductible.

Brilliant Deduction Line of Credit
8.90% - $10,000 Maximum -- Call for details

Click Here to Calculate a Monthly Payment Schedule for a Consumer Loan

New Rates As Low As...

New - 2007 Collateral Loan Rates* 
 APRs were determined using a 10% down payment.  The APR may be affected by a change in the loan to value amount.
36 Months 4.75% APR
48 Months 4.99% APR
60 Months 5.25% APR
72 Months 5.50% APR
*Add 1% to rate if less than 10% down
*Add 1% to rate if credit score is 635 or less
*Add .25% to rate if not an eRewards accountholder

Used Collateral Loan Rates (2006 and older)**
 APRs were determined using a 10% down payment.  The APR may be affected by a change in the loan to value amount.
36 Months 5.25% APR
48 Months 5.50% APR
60 Months 5.75% APR
**Add 1% to rate if less than 10% down
**Add 1% to rate if collateral value is less than $7500
**Add 1% to rate if credit score is 635 or less
**Add .25% to rate if not an eRewards accountholder

Loans Secured By Savings
100% Secured by Shares 1YR Max 3.90% APR
100% Secured by Super Shares
1 YR Max 		 5.49% APR
100% Secured by CD/Maximum to CD Maturity 2.00% Spread Over CD Rate
Signature Loans

Signature Loans - Ask for details

 9.90% APR

Kwik Cash Loans - Ask for details

 9.90% APR

A Payment Protection Plan including Life and Disability Insurance is available on most loans-Contact us for details! 
We now offer Major Mechanical Protection Coverage to help protect your new vehicle.  

PCM Employees Credit Union does business in accordance with the Federal Fair Housing Law and 
Equal Opportunity Credit Acts.