Frequently Asked Questions
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Our Rates
At Policemen’s Federal Credit Union, we work hard to offer you competitive rates across loans, savings, and certificates to maximize your financial growth and minimize costs. Whether you’re seeking low rates on loans or high returns on savings, we’re committed to bringing you the best options. Ready to explore? Click below on the rate that interests you most and see what we have to offer!
The rates listed are PFCU’s prime rates. Individual rates may vary based on credit score.
Rates listed below for Vehicle Loans, Recreational Loans, Equipment Secured Loans, Signature/Personal 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 & Second Mortgage Products. These rates are as listed below.
Auto Rates
New Vehicles
New Never Titled-
5.45% APR
Used Vehicles
2020 & Newer-
5.45% APR
Used Vehicles
2018 - 2019-
5.70% APR
Used Vehicles
2015 - 2017-
5.95% APR
Used Vehicles
2010 - 2014-
6.95% APR
Used Vehicles
2009 & Older-
8.50% APR
Used Vehicles
2015 - 2017-
5.45% APR
Used Vehicles
2018 - 2019-
5.70% APR
Recreational Loan Rates
Recreational Loan Rates
-
8.50% APR
Equipment Secured Rates
Equipment Secured
-
8.50% APR
Signature Loan Rates
Signature Loan
-
10.50% APR
Visa Card Rates
Classic with NO annual fee
-
11.90% APR
Gold with NO annual fee
-
8.90% APR
Platinum with NO annual fee
-
9.90% APR
Overdraft Protection
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.
APR – Annual Percentage Rate
Rates are current as of 11/01/2024 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.
