Effective September 1, 2018

Lending Rate Disclosure

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.

Vehicle, Motorcycle and Motorhomes (New 2017 & 2018)
12-36 mo. 2.24% - 11.74% APR
37-60 mo. 3.00% - 12.50% APR
61-72 mo. 3.50% - 13.00% APR
73-84 mo. 4.25% - 13.75% APR
Vehicle, Motorcycle and Motorhomes (2012 - 2018)1
12-36 mo. 2.24% - 11.74%
37-60 mo. 3.00% - 12.50% APR
61-72 mo. 4.00% - 13.50% APR
Vehicle, Motorcycle and Motorhomes (2011 & older)1
12-60 mo. 3.00% - 12.50%
New and Used ATVs/Pull-along Trailers/Campers/Boats & Motorhomes over 72 month term and over $10,0001
12-36 mo. 5.00% - 14.50% APR
37-60 mo. 6.00% - 15.50% APR
61-84 mo. 7.00% - 16.50% APR
85-120 mo. 7.00% - 16.50% APR
Home Equity
12-60 mo. 3.50% - 13.00%% APR
61-84 mo. 4.25% - 13.75% APR
85-120 mo. 4.75% - 14.25% APR
Home Equity Credit Line2 Based on 180 mo. - 6.00% variable APR
Regular Share Secured12-60 mo. - 5.25% APR
Share Certificate Secured (No minimum)Share Certificate term @ 2.25% + Share Certificate APR*
Installment
1-24 mo. 6.25% - 15.75% APR
25-36 mo. 6.50% - 16.00% APR
37-48 mo. 7.50% - 17.00% APR
49-60 mo. 9.25% - 18.00% APR
Access Credit Line2 Based on 60 mo. - 7.50% variable APR
Platinum Visa Rewards Credit Card8.90% - 17.90% APR
Share Secured Visa Platinum Rewards Credit Card8.90% - 17.90% APR

Additional Resources

Payment Calculator (external website)

Examples

Installment Loan Payment Examples
A 24 month loan at 6.25% APR* would have monthly payments of $44.44 per $1,000 borrowed. A 36 month loan at 6.50% APR* would have monthly payments of $30.66 per $1,000 borrowed. A 48 month loan at 7.50% APR* would have monthly payments of $24.19 per $1,000 borrowed. A 60 month loan at 9.25% APR* would have payments of $20.90 per $1,000 borrowed.
Auto Loan Payment Examples
A 12 month loan at 2.24% APR* would have monthly payments of $84.35 per $1,000 borrowed. A 60 month loan at 3.00% APR* would have monthly payments of $17.97 per $1,000 borrowed. A 72 month loan at 3.50% APR* would have monthly payments of $15.42 per $1,000 borrowed. An 84 month loan at 4.25% APR* would have monthly payments of $13.79 per 1,000 borrowed.
Home Equity Loan Payment Examples
A 60 month loan at 3.50% APR* would have monthly payments of $18.20 per $1,000 borrowed. An 84 month loan at 4.25% APR* would have monthly payments of $13.79 per $1,000 borrowed. A 120 month loan at 4.75% APR* would have monthly payments of $10.49 per $1,000 borrowed. **Limited time offer of No Application fees expires December 31, 2018.

1Loan term is dependent on model year and NADA value.

2Interest rate is variable.

*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.