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Rates

Rates as of October 1, 2019

  • All loans subject to approval.

    Auto Rates – 2019 or Newer

    APR=Annual Percentage Rate. Rates and terms vary based on creditworthiness. All rates are subject to change without notice. All loans are subject to approval. Auto loan rates listed are for 2019 model year or newer cars, for all other rates please contact the Credit Union. All loans paid through ACH/payroll receive a discount of -.25% (overdraft line of credit and home equity line of credit excluded.)

    Used Auto Loan – 2018 Model Year

    APR=Annual Percentage Rate. Rates and terms vary based on creditworthiness. All rates are subject to change without notice. All loans are subject to approval. Auto loan rates listed are for 2018 model year vehicles, for all other rates please contact the Credit Union. Used Vehicle Loans paid through ACH/payroll receive a discount of -.25% (overdraft line of credit and home equity line of credit excluded.)

    Used Auto Loan – 2017 Model Year

    APR=Annual Percentage Rate. Rates and terms vary based on creditworthiness. All rates are subject to change without notice. All loans are subject to approval. Auto loan rates listed are for 2017 model year vehicles, for all other rates please contact the Credit Union. Used Vehicle Loans paid through ACH/payroll receive a discount of -.25% (overdraft line of credit and home equity line of credit excluded.)

    Used Auto Loan – 2016 Model Year

    APR=Annual Percentage Rate. Rates and terms vary based on creditworthiness. All rates are subject to change without notice. All loans are subject to approval. Auto loan rates listed are for 2016 model year cars, for all other rates please contact the Credit Union. Used Vehicle loans paid through ACH/payroll receive a discount of -.25% (overdraft line of credit and home equity line of credit excluded.)

    Used Auto Loan- 2015 Model Year

    APR=Annual Percentage Rate. Rates and terms vary based on creditworthiness. All rates are subject to change without notice. All loans are subject to approval. Auto loan rates listed are for 2015 model year cars, for all other rates please contact the Credit Union. Used Vehicle Loans paid through ACH/payroll receive a discount of -.25% (overdraft line of credit and home equity line of credit excluded.)

    Recreational Vehicle Rates (2019 or newer Boats & RVs only)

    APR=Annual Percentage Rate. Rates and terms vary based on creditworthiness. All rates are subject to change without notice. All loans are subject to approval. 2019 model year or newer Boats & RVs only. Boats and RV’s must be purchased from authorized dealer only(no private party sales). All loans paid through ACH/payroll receive a discount of -.25% (overdraft line of credit and home equity line of credit excluded.)

    PEFCU Credit Card Rates

    APR=Annual Percentage Rate. Rates and terms vary based on creditworthiness. All rates are subject to change without notice. All loans are subject to approval.

    Home Equity Line of Credit Rates (Variable Rate)

    APR=Annual Percentage Rate. Rates and terms vary based on creditworthiness. All rates are subject to change without notice. All loans are subject to approval. Maximum Home Equity loan or line of credit is 80% appraised value less current mortgage, if applicable, primary Pennsylvania residences only, for LTV over 80% please contact the credit union.

    Fixed-Rate Home Equity Loan Rates (Second Mortgage)

    APR=Annual Percentage Rate. Rates and terms vary based on creditworthiness. All rates are subject to change without notice. All loans are subject to approval. Maximum Home Equity loan or line of credit is 80% appraised value less current mortgage, if applicable, primary Pennsylvania residences only, for LTV over 80% please contact the credit union.

    Personal Loans Rates (Bill Consolidation Loan)

    APR=Annual Percentage Rate. Rates and terms vary based on creditworthiness. All rates are subject to change without notice. All loans are subject to approval. All loans paid through ACH/payroll receive a discount of -.25% (overdraft line of credit and home equity line of credit excluded.)

    Share or Certificate Secured Rates

    APR=Annual Percentage Rate. Rates and terms vary based on creditworthiness. All rates are subject to change without notice. All loans paid through ACH/payroll receive a discount of -.25% (overdraft line of credit and home equity line of credit excluded.)

  • Savings Rates

    APY = Annual Percentage Yield
    APY is accurate as of the last dividend declaration date.
    Rates subject to change without notice.
    Fees could reduce the earnings on accounts.

    Money Market Rates

    APY = Annual Percentage Yield
    APY is accurate as of the last dividend declaration date.
    Rates subject to change without notice.
    Fees could reduce the earnings on accounts.
    This Money Market savings earns the dividend rate based on account balance–as balance fluctuates between tiers, the appropriate APY is earned (there is no penalty when your balance shifts between tiers).

    Share Certificates & IRA Certificates

    APY = Annual Percentage Yield
    APY is accurate as of the last dividend declaration date.
    Rates subject to change without notice; however, rate received at certificate opening will remain in effect until maturity.
    Fees could reduce the earnings on accounts.
    All certificates are available as IRA Certificates.

    **Spring Certificate Special**

    1.50% APY* for a 37 Month Term

    $1,000 minimum.

    *APY=Annual Percentage Yield. $1,000 minimum deposit required. Rate is subject to change without notice; however, rate received at certificate opening will remain in effect until maturity. Jumbo rate specials do not apply for specials. Contact the credit union for complete details.

    A penalty may be imposed for early certificate withdrawal. Jumbo rates do not apply to certificate specials.