Loans Made Easy

Financial Peace of Mind

We take pride in processing your loans quickly and look forward to being your lending partner and providing you with financial peace of mind.

Learn more »

Rates & Calculators

Loan Rates

Mortgage

Type of Loan Interest Rate APR*
15-year mortgages 3.250% 3.477%
30-year mortgages 4.000% 4.164%
*APR = Annual Percentage Rate. Rates include a 1% loan fee.
Based on $200,000 loan with 20% down.
FHA APR based on $200,000.00 loan with 3.5% down
Rates are current as of 2/21/2017, but are subject to change without notice.

Auto Rates

Type of Loan Annual Percentage Rate* Additional Information
New Auto (Current Model and 1 year old) - 90 Days No Payment!**
  up to 36 months 1.99% to 14.49% 125% Financing
  48 - 60 months 2.29% to 14.79% 125% Financing
  61 - 84 months 2.79% to 15.29% 125% Financing
Used Auto (1+Model year up to 10 years old) - 90 Days No Payment!**
  up to 36 months 2.24% to 15.99% 125% Financing
  48 - 60 months 2.54% to 16.29% 125% Financing
  61 - 84 months 3.04% to 16.79% 125% Financing
Classic Cars (Over 10 years old)
  up to 72 months 5.99% to 16.49%  
New & Used Boat, RV and other Recreational Vehicles
  up to 60 months 4.99% to 14.49% 100% Purchase Price
  61 months to 144 months 5.39% to 14.89% 90% of Average book for Used
Off Road/Titled Vehicle
  New 5.99% to 16.49% up to 60 months
  Used 6.39% to 15.89% up to 60 months
*The Credit Union offers various fixed rate loans. All rates and terms are determined by Board of Directors and are subject to change at any time without notice. The rates are for 2006 and newer vehicles with terms up to 84 months. Rates may vary depending on the term, LTV and your credit. The 1.99% APR is for a New Auto with a 36-month term. All credit is subject to approval. Rate quotes for loans assume .25% "Relationship Discount". Members can qualify for the Relationship Discount with payroll payment or automatic transfer from a PFCU account and enroll in eStatements. Ask one of our loan officers for details. Interest begins accruing upon disbursal of loan. Deferred payment available upon credit approval. Some restrictions apply.
**Interest begins accruing upon disbursal of loan. Deferred payment available upon credit approval. Some restrictions apply.

Personal Rates

Type of Loan Annual Percentage Rate* Additional Information
Personal Loan (unsecured)
  up to 60 months 8.99% to 17.75% Borrow up to $20,000
Personal Line of Credit
    8.29% to 17.75% Borrow up to $15,000
Payday Relief
  up to 6 months 25.00% to 28.00% Borrow between $200 - $1,000
$20 application fee

VISA Rates

Type of Loan Annual Percentage Rate* Additional Information
VISA Platinum 8.75%
1.99% 12-month introductory rate on Balance Transfers
(NO ANNUAL FEE!)
VISA Classic 11.75%
4.99% 12-month introductory rate on Balance Transfers
(NO ANNUAL FEE!)
VISA New Beginnings 18.00% $12.00 ANNUAL FEE
*The 1.99% APR and 4.99% APR promotional rates apply for 12 months and do not apply to future Purchases or Cash Advances. Promotional rates may not be used to pay existing Providence Federal Credit Union loans or credit card debt. All 1.99% APR and 4.99% APR balance transfers will be classified as “Purchases” under our Visa Card Agreement. As of February 1st, 2017, the rates for new Purchases and Cash Advances is 8.75% APR for Visa Platinum, 11.75% APR for Visa Classic and 18.00% APR for New Beginning. All loans subject to credit approval.

Shared Secured Rates

Type of Loan Annual Percentage Rate* Additional Information
Share Secured 3.99% 60 months
*Rate is fixed for the term of the loan.

Home Equity Line of Credit (Open-end Adjustable Rate**)

Type of Loan Annual Percentage Rate* Additional Information
up to 264 months 3.75% Lower rate + Better terms
Borrow up to $300,000
*This is a variable rate loan that is listed in the Loan Rate Schedule. Rate and APR are based on creditworthiness. There is a $150 loan fee. Some restrictions may apply. The maximum combined loan-to-value is 90% and is assigned by credit score.
**Index for variable-rate home equity loans and HELOCs is the Prime Rate as published in the Wall Street Journal. Rates subject to change without notice.

Minimum Payment Schedule for Line of Credit Accounts

For line of credit accounts, minimum monthly payments are based on the outstanding balance after the most recent advance, as follows:

Balance After Advance Minimum Monthly Payment
$0.01 - $500.00 $25.00
$500.01 - $1,000.00 $50.00
$1,000.01 - $2,000.00 $60.00
$2,000.01 - $3,000.00 $75.00
$3,000.01 - $5,000.00 $150.00
$5,000.01 - $7,500.00 $225.00
$7,500.01 - $10,000.00 $300.00
$10,000.01 - $15,000.00 $450.00

Additional Information

Late Charge: If any payment is more than 15 days past due, the Credit Union may charge a late fee equal to 5% of the past due payment.

VSI Placement/Cancellation: If the Credit Union places insurance on our collateral because you have failed to do so, you will be charged a $50.00 fee, and a $5.00 fee for cancellation of the Credit Union's insurance.

Offered rates are current as of February 1st, 2017. The Credit Union may offer other rates in the future. See also our Rate and Fee Schedule

Deposit Rates

Savings Rates

Account Dividend Rate Annual Percentage Yield
Money Market Account
$50,000 and above 0.15% 0.15%
$10,000-$49,999 0.10% 0.10%
$5,000-$9,999 0.10% 0.10%
$1,000-$4,999 0.10% 0.10%
Shares/Savings
Christmas Club 0.20% 0.20%
Cub Acct (10 & under) 0.15% 0.15%
iPlus Youth (11 to 12) 0.15% 0.15%
iProsper Teen (13 to 18) 0.15% 0.15%
Prime Time (over 60) 0.15% 0.15%
Minimum Balance Savings 0.10% 0.10%

Note: These rates are provided for information only. Rates are subject to change at any time and are subject to the terms and conditions set forth in the Rate and Fee Schedule. Please talk with one of our Member Service Representatives for more information.
*Promotional rate applies only to deposits of new funds; not available for transfers of funds from another account within the credit union. Funds deposited from within the credit union will earn the same dividend rate and APY as deposits over $500.

Certificate of Deposit Rates

Share Certificates now pay monthly dividends! You may elect to have dividends transferred to your share account monthly, or added to the account balance. The choice is yours!
Share Certificates* Minimum Opening Balance Dividend Rate Annual Percentage Yield
24 months $1,000 0.45% 0.45%
18 months to 23 months $1,000 0.30% 0.30%
12 months to 17 months $1,000 0.25% 0.25%
6 months to 11 months $1,000 0.15% 0.15%

Note: *Early withdrawal penalty may apply. These rates are provided for information only. Rates are subject to change at any time and are subject to the terms and conditions set forth in the Rate and Fee Schedule. Please talk with one of our Member Service Representatives for more information.

Offered rates are current as of February 1st, 2017. The Credit Union may offer other rates in the future.

NCUA

Back to Top »

Financial Consultants

You're not alone: FREE financial planning services

In partnership with Beardmore Consultant Services, we can help you develop, understand, and achieve your financial goals.

Learn more »