Penn State Federal Credit Union

Members helping members everyday in the ordinary and extraordinary moments of their lives.

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Rates / Loan Rates

Effective October 20, 2011

Lending Rate Disclosure

Rates disclosed in italics are Performance Plus rates. Your rate on these products may vary and will be determined by the number of years your loan is financed plus your credit history. Rates are set by the Board of Directors and are subject to change.

New Vehicle/Motorcycle (New 2011, 2012) 1

12-24 mo. 3.00% - 12.50% APR
25-60 mo. 3.00% - 12.50% APR
61-72 mo. 5.00% - 16.00% APR

Used Vehicle/Motorcycle (2007 - 2011)1,2

12-24 mo. 3.00% - 12.50% APR
25-60 mo. 3.00% - 12.50% APR
61-72 mo. 5.00% - 16.00% APR

Used Vehicle/Motorcycle (2006 & older)1,2

12-24 mo. 5.50% - 15.00% APR
25-48 mo. 6.75% - 16.25% APR

New Recreational Vehicle1

12-36 mo. 7.75% - 17.25% APR
37-60 mo. 8.00% - 17.50% APR
61-84 mo. 8.50% - 18.00% APR
85-120 mo. 9.00% - 18.00% APR

Used Recreational Vehicle1,2

12-36 mo. 8.75% - 18.00% APR
37-60 mo. 9.00% - 18.00% APR
61-84 mo. 9.50% - 18.00% APR
85-120 mo. 10.00% - 18.00% APR

Mortgages

Call (814) 863-0549 or mortgages@pennstatefederal.com

Home Equity4

12-60 mo. 3.50% - 13.00% APR
61-84 mo. 5.00% - 14.50% APR
85-120 mo. 5.50% - 15.00% APR
121-180 mo.

7.75% - 17.25% APR

Home Equity Credit Line3,4

Based on 180 mo. - 4.25% variable APR

Home Equity Visa™ Platinum Credit Card

Based on 180 mo. - 7.90% - 10.90% APR

Regular Share Secured

12-60 mo. - 5.25% APR

Share Certificate Secured (No minimum)

Share Certificate term @ 2.25% + Share Certificate APR*

Installment1

1-12 mo. 7.50% - 17.00% APR
13-24 mo. 7.50% - 17.00% APR
25-36 mo. 9.00% - 18.00% APR
37-48 mo. 9.00% - 18.00% APR
49-60 mo. 9.00% - 18.00% APR

Access Credit Line3

Based on 60 mo. - 5.75% variable APR

Platinum Visa Rewards Credit Card

8.90% - 17.90% APR

Share Secured Visa Platinum Rewards Credit Card

14.4% - 17.90% APR

Additional Resources

Payment Calculator

1 - Loans used to refinance a current Penn State Federal loan add 50 BPS (add 0.50%) unless an additional $1,000 is borrowed.

2 - Loan term is dependent on model year and NADA value.

3 - Interest rate is variable.

4 - $5,000 additional money or $500 fee to refinance a current Penn State Federal Home Equity loan.

*APR denotes Annual Percentage Rate.

 

Although this site is intended to be accurate, rate listings are for informational purposes only. All rates are subject to change without notice. Please contact Penn State Federal for a rate quote. See Rate & Fee Schedule for account details.

Penn State Federal is an Equal Housing Lender - We do business in accordance with federal fair housing law and the Equal Credit Opportunity Act.

* BPS = basis points are one one-hundredth of a percent.