Loan Rates

Effective as of January 1, 2018

APR=Annual Percentage Rate. Rates and terms vary based on creditworthiness. All rates are subject to change without notice. Auto loan rates listed are for 2016 model year or newer cars, for all other rates please contact the Credit Union. Boats, motorcycles or RV’s must be purchased from authorized dealer only(no private party sales). Maximum Home Equity loan or line of credit is 80% appraised value less current mortgage, if applicable, primary Pennsylvania residences only, for LTV from 81%-90% add 1% to the rate.  All loans paid through ACH/payroll receive a discount of -0.25% (overdraft line of credit and home equity line of credit excluded.)

Type Term APR
Autos – 2016 or Newer Up to 60 months
Up to 66 months
Up to 72 months
Up to 78 months

2.99% - 18.00%
3.24% - 18.00%
3.49% - 18.00%
3.99% - 18.00%

Recreational Vehicles (Boats & RVs only) Up to 60 months
Up to 120 months
6.99% - 18.00%
7.99% - 18.00%
PEFCU Credit Card
As low As 8.00%
Home Equity Line of Credit (Variable Rate) Different terms available
Contact the credit union for rates
Fixed-Rate Home Equity Loan (Second Mortgage) Up to 60 months
Up to 120 months
Up to 180 months
Personal Loans (Bill Consolidation Loan) Up to 48 months
8.00% - 18.00%
Share or Certificate Secured Up to 10 yrs
2% Above Current Share Rate or Current Certificate Rate