| LOAN RATES |
| Effective 7/30/2010 10:56 A.M. |
Interest Rates
and APRs (Annual Percentage Rates) are
subject |
| Fixed Rate First Mortgage Real Estate Loans | ||
| Rates as low as... | Rate | APR |
| 30 Year Loan $100,000 and over | 4.500% | 4.533% |
| 30 Year Loan Up to $100,000 | 4.500% | 4.537% |
| 20 Year Loan $100,000 and over | 4.500% | 4.546% |
| 20 Year Loan Up to $100,000 | 4.500% | 4.551% |
| 15 Year Loan $100,000 and over | 3.875% | 3.933% |
| 15 Year Loan Up to $100,000 | 4.000% | 4.064% |
| Your APR may vary based on your loan amount, term, credit score, and finance charges. *Important Rate Notice - If one borrower has a credit score of 740 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. | ||
| First Mortgage Real Estate Loans | ||
| In-House 3 Year ARM | 5.50% 95% Max LTV |
5.505% APR |
| Fixed rate and low
down payment mortgages are also available -- Please
contact a loan officer for more information. Members with credit
scores of 635 or less may be charged a 1% higher rate. 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 | 5.50% APR | |
Home Equity Loans |
||
| 80% Loan to Value | 5.75% | 5.763% APR |
| Payment equals 1.5% of the outstanding balance or $50; whichever is greater. | ||
| 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 Payment equals 2% of the outstanding balance or $50; whichever is greater. |
||
New
- 2009 Collateral Loan Rates* |
||
| 36 Months | 3.99% APR | |
| 48 Months | 4.50% APR | |
| 60 Months | 4.75% APR | |
| 72 Months | 4.99% 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 Rewards accountholder |
|
Used
Collateral Loan Rates (2008 and older)** |
|
| 36 Months | 4.75% APR |
| 48 Months | 4.99% APR |
| 60 Months | 5.25% 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 Rewards accountholder |
Loans Secured By Savings |
|
| 100% Secured by Shares 1YR Max | 3.90% APR |
| 100% Secured by Super Shares 1 YR Max |
4.90% 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 |
 |
Debt in focus delivers an actionable plan to help improve members' credit profiles and reduce debt with a web-based debt management tool that:
This service is Free! Simply click here to try it out and get your debt into focus. If after reviewing your debt in focus results, you have further questions, please do not hesitate to call on us. We're here to help! |
|
A Payment Protection Plan including Life and Disability
Insurance is also 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.
Equal Housing Opportunity.
