Loan Rates

Rates current as of September 1, 2014

NEW & USED VEHICLE LOANS
Collateral Terms/Conditions Best Rate
Car, Truck, SUV New or used 2.50%1
Motorcycle New or used 4.50%2
RV, Boat & Other Watercraft, ATV New or used 4.99%3
PERSONAL LOANS
Product Terms/Conditions Best Rate
Personal (Signature) Loan 60 months or less 9.99%
Overdraft Line of Credit Minimum monthly payment of 3% of balance or $30, whichever is greater 18.00%
Share Secured Loan Share Rate + 3.00% View rates
CD Secured Loan CD Rate + 2.00% View rates
CREDIT CARDS
Product Best Rate
Platinum Elite MasterCard® 6.99%
Platinum Elite Rewards MasterCard 10.99%
Classic MasterCard 16.99%
Business MasterCard 10.99%
FIRST MORTGAGE LOANS
Click here or call our Mortgage Rate Line for current First Mortgage and Jumbo Loan rates. (303) 639-2230 or (800) 437-7328 ext. 2230
SECOND MORTGAGE LOANS
Product Terms/Conditions Best Rate
Fixed Rate, Fixed Term Up to 15 year term 4.99%
HOME EQUITY LINE OF CREDIT (HELOC)
Product Terms/Conditions APR†^
HELOC4 20 years with a 10 year draw As low as 3.64%
All rates displayed are Annual Percent Rate (APR).  Loan interest rates and terms provided above are only estimates.  Best Rate may vary based on personal credit history, value and condition of the collateral, and other factors and will be provided by Public Service Credit Union upon approval of a completed loan application.  Rates are subject to change without notice. Public Service Credit Union membership is required. 1Lowest rate available is 2.50% APR (Annual Percentage Rate), with approved credit, 63-month term and up to 80% LTV or available discounts applied. Rates and terms are subject to change without notice. Public Service Credit Union membership is required.2Lowest rate available is 4.50% APR (Annual Percentage Rate), with approved credit, up to a 60-month term,and available discounts applied. Rates and terms are subject to change without notice. Public Service Credit Union membership is required. 3Lowest rate available is 4.99% APR (Annual Percentage Rate), with approved credit. Rates and terms are subject to change without notice. Public Service Credit Union membership is required. 4Rate applies for a maximum loan to value (LTV) of 80%. Under no circumstances will the annual percentage rate go below the floor limit at any time during the term of our loan.

^Public Service Credit Union loans tied to prime are calculated on the highest prime rate listed in the WSJ on the last day of the previous month.  When prime adjusts after this date, Public Service Credit Union rates will be adjusted the following month.