Policemen's Federal Credit Union

Rates » Loans

The rates listed are PFCU's prime rates. Individual rates may vary based on credit score.

Rates listed below for Vehicle Loans, Other Secured Loans, Equipment Secured Loans, Signature/Personal Loans and Second Mortgages Loans reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account.

Member Direct Deposit discounts exclude Share Secured Loans, Visa Cards, HELOCs and First Mortgage Products.  These rates are as listed below.

New Vehicles APR
New Never Titled - Maximum of 72 months5.45%
Used Vehicles APR
2020 & Newer Maximum 72 Months 5.45%
2018 & 2019, maximum 72 months5.70%
2015 - 2017, maximum 66 months5.95%
2010-2014, maximum 60 months6.95%
2009 and Older, maximum 54 months8.50%
Other Secured APR
Maximum 72 months8.50%
Equipment Secured APR
Maximum 72 months9.00%
Signature Loans APR
Maximum 48 months10.50%
Visa Cards* APR
Classic with NO annual fee11.90%
Gold with NO annual fee8.90%
Platinum with NO annual fee9.90%
Overdraft Protection APR
-15.50% / 18.00%

APR - Annual Percentage Rate
Rates are current as of
08/01/2023 and are subject to change without notice. Loans are subject to credit approval and borrower qualifications. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.

* For Credit Card Tips from the Consumer Financial Protection Bureau: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.

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