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Loan Rates
Mortgage
15-year mortgages
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4.25% |
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| 30-year mortgages |
4.875% |
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| Rates
subject to change without notice. Call for current rates. |
Auto Rates
| New Vehicles (10 years
or New) - New Lower Rates! |
| |
up to 36 months |
4.49% to 13.99% |
100% Financing |
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up to 48 - 60 months |
4.79% to 14.29% |
100% Financing |
| |
up to 72 months |
4.98% to 14.54% |
100% Financing |
| Used Vehicles (Over
10 years old) |
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up to 60 months |
5.99% to 15.49% |
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| New/Used Recreational
Vehicle |
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up to 60 months |
6.99% to 16.49% |
100% Purchase Price |
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61 to 120 months |
7.39% to 16.89% |
90% of Average book for Used |
| Off Road/Titled Vehicle |
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New |
7.39% to 16.89% |
up to 60 months |
| |
Used |
7.39% to 16.89% |
up to 60 months |
| Unsecured
Loans |
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up to 36 months |
9.49% to 17.75% |
|
| Revolving Line of Credit |
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up to $20,000 |
8.99% to 17.75% |
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| *Rates and terms vary with
loan type, term of loan, and are based on borrower's credit qualifications.
Rate quoted for loans(above) assumes .25% "Relationship
Discount". Members can qualify for the Relationship Discount
with three (3) Get Out of Line Services and a PHSFCU Checking
Account or PHSFCU Visa Card. Ask one of our loan officers for
details. |
Visa Rates
| VISA Platinum |
8.75% |
(NO ANNUAL FEE!) |
| VISA Classic |
11.75% |
(NO ANNUAL FEE!) |
| VISA New Beginnings |
18.00% |
$12.00 ANNUAL FEE |
Shared Secured Rates
| Share Secured |
6.99% |
60 months |
Home Equity Loan Rates (Closed-end Fixed
Rate)
| 36 to 72 months |
4.99% |
85% LTV |
| 73 to 120 months |
5.59% |
85% LTV |
| 121 to 180 months |
5.99% |
85% LTV |
Home Equity Line of Credit (Open-end Adjustable
Rate**)
| up to 180 months |
5.50% |
|
| **Index for variable-rate home equity loans (HELOC's)
is the Prime Rate as published in the Wall Street Journal. Rates
subject to change without notice. |
Minimum Payment Schedule for Line of Credit Accounts
For line of credit accounts, minimum monthly payments are based
on the outstanding balance after the most recent advance, as follows:
| $0.01 - $500.00 |
$25.00 |
| $500.01 - $1,000.00 |
$50.00 |
| $1,000.01 - $2,000.00 |
$60.00 |
| $2,000.01 - $3,000.00 |
$75.00 |
| $3,000.01 - $5,000.00 |
$150.00 |
| $5,000.01 - $7,500.00 |
$225.00 |
| $7,500.01 - $10,000.00 |
$300.00 |
Additional Information
Late Charge: If any payment is more than 15 days past due, the Credit
Union may charge a late fee equal to 5% of the past due payment.
VSI Placement/Cancellation: If the Credit Union places insurance
on our collateral because you have failed to do so, you will be charged
a $50.00 fee, and a $5.00 fee for cancellation of the Credit Union's
insurance.
Offered rates are current as of September 17th, 2009. The Credit Union
may offer other rates in the future. See also: Rate and Fee Schedule.
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