Loan Rates Effective March 11, 2020 - Amazon S3

[Pages:1]Consumer Loan Rates

Fixed Rate Term Loans

New Autos Used Autos

New RVs

Effective Date: January 11, 2023

Term

60 Months 72 Months 84 Months

APR*

5.89% 1 6.14% 1 6.64% 1

From

2016 2016 2016

To

2023 2023 2023

48 Months 60 Months 72 Months

6.39% 1 6.64% 1 7.14% 1

2008 2008 2008

2015 2015 2015

Boat, Motorcycle, RV, and other Rec Vehicles

60 Months

7.89% 1

2016

2023

144 Months

8.29% 1

2016

2023

Additional Information

90 DAYS NO PAYMENT and Up to 125% financing available Vehicle must have less than 150,000 miles 84 mo. Term available to 680* Credit or higher only

90 DAYS NO PAYMENT and Up to 125% financing available Vehicles over 150,000 miles apply Add 2% to vehicles 2007 and older

Used RVs

60 Months 144 Months

8.69% 1 9.09% 1

2008 2008

2015 2015

*Add .50% for older than 2008

New Off Road/Titled Vehicles Used Off Road/Titled Vehicles

Personal Loan 12.12.12 Loan Winter Loan Special Caregiver Loan (Available only to PHS Employee) Care Worker Loan (Available only to UDW Members)

Bike Loan Share Secured Payday Relief Loan

Personal Line of Credit Visa Platinum Credit Card Visa Classic Credit Card Visa New Beginnings Credit Card

Home Equity Line of Credit (HELOC) Owner Occupied

Non-Owner Occupied

Fixed Home Equity Loan

Owner Occupied

Non-Owner Occupied Mortgage Loans

Education Refinance - Fixed Rate Education Refi - Variable Rate In-School - Fixed Rate In-School - Variable Rate

60 Months 60 Months

60 Months 12 Months 36 Months 12 Months

5.99% 1 6.39% 1

2016 2008

Personal Loans

11.74% 1

12.00%

7.99%

14.99% 1

2023 2015

12 Months

14.99% 1

48 Months

7.29% 1

60 Months 6 months

3.99% + Share Rate 25.00% 1

Revolving Lines of Credit

Up to $15,000 13.99%

None

9.99%

None

12.99%

$12

18.00%

Real Estate Loans & Lines of Credit

22 Years 22 Years

7.50% 2 8.00% 2

60 months 120 months 180 months

7.36% 3 7.74% 3 7.96% 3

180 months

Add .50% to APR

Visit for current rates or give us a call.*

Student Loans

Up to 180 months Up to 180 months Up to 144 months Up to 144 months

5.36% to 12.61% 4.86% to 12.11% 4.74% to 8.74% 4.91% to 10.72%

Loan amounts up to $20,000 Loan amounts from $500 to $1200 Special Loan up to $10,000 for you holiday shopping Discount Available (Conditions Apply) Discount Available (Conditions Apply) Loan amounts from $1,000 to $7,500 Loan amounts from $200 to $1,000; $20 app fee

4.99% on balance transfers for Visa Platinum & Classic cards with no transfer fee Rate discount on Classic Card for Credit Scores 680 and better

HELOC index is the WSJ (Wall Street Journal) Prime+Margin 22 Year term=10-year draw period+12-year repayment period Add .50% to margin for Non-Owner Occupied

Fixed Rate & Payment for the life of the loan Max CLTV 75%

1 Rate reflect Relationship Pricing which includes a rate discount of .25% for automatic payment and enrolled in free eStatements. 2 Variable Rate HELOC. The ANNUAL PERCENTAGE RATE (APR) is based on the value of an index, which is the Prime Rate published in Wall Street Journal. The APR can change on the first day of each quarter following the index change. Any increase in the Index may increase the APR and may increase the amount of monthly payment. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Margin will depend upon the borrower's and co-borrower's (if applicable) credit qualification. The Interest Rate will not exceed 18.00%, regardless of the Index. Margin will be disclosed at account opening. This Margin is added to the Index to determine the calculated interest rate. Floor rate is in effect anytime the calculated interest rate is below the assigned Floor rate. 3 Fixed Annual Percentage Rate (APR) based on $100,000 loan amount includes $25 Application fee, $5 Credit Report Fee, $150 Origination Fee, $30 Automated Value Assessment, $11 Flood Cert. and est. Recording Costs of $250. 4 Variable Rate Student Loan. The ANNUAL PERCENTAGE RATE (APR) is variable and may be adjusted quarterly based on the assigned index. Any increase in the Index may increase the APR and may increase the amount of monthly payment. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Index, Margin, Floor, and/or credit approval will depend upon the student borrower's and co-borrower's (if applicable) credit qualification. Applications may apply with a creditworthy U.S. co-borrow which may result in a better chance of approval and/or lower interest rate. The Interest Rate will not exceed 18.00%, regardless of the Index. Margin will be disclosed at account opening. This Margin is added to the Index to determine the calculated interest rate. Floor rate is in effect anytime the calculated interest rate is below the assigned Floor rate. The Floor rate will be disclosed at account opening.

*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to PFCU membership and underwriting criteria, not every application will qualify. Rates displayed are "as low as." Actual rate may increase based upon borrower's creditworthiness.

All rates are determined by the Board of Directors and may change without notice. Unless otherwise indicated, offered rates are current as of January 11, 2023

6400 SE Lake Road, Ste 125, Milwaukie, OR 97222

(503) 215-6090 | (888) 849-5189 |

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