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Loan Rates

Featured Loan Rates


Auto Loans
as low as

4.50%APR*
1st Lien 
Home Equity Loans 
60 Months
5.875%APR*
No Origination Fee
Limited-Time Offer
Installment Loans
as low as

9.99%APR*
Platinum Visa Rewards Credit Card
as low as
8.90%APR*
Effective March 10, 2025

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 score. Rates are set by the Board of Directors and are subject to change.
Term Rates as low as
Up to 36 months 4.500% APR*
37-48 months 4.750% APR*
49-60 months 4.990% APR*
61-72 months 6.500% APR*
73-84 months 6.750% APR*
*APR=Annual Percentage Rate. Valid on New 2025 and 2024 vehicle and motorcycle loans. Rates "as low as" APR* assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum APR is 4.500%. Maximum APR is 16.250%. Pre-Approval effective for 60 days once the loan is approved. No other loan discounts apply. Other rates and terms available. A 36-month loan at 4.500% APR* would have monthly payments of $29.75 per $1,000 borrowed. A 48-month loan at 4.750% APR* would have monthly payments of $22.92 per $1,000 borrowed. A 60-month loan at 4.990% APR* would have monthly payments of $18.87 per $1,000 borrowed. A 72-month loan at 6.500% APR* would have monthly payments of $16.82 per $1,000 borrowed. An 84-month loan at 6.750% APR* would have monthly payments of $14.98 per 1,000 borrowed. Your payment may be different from the examples shown. Loan rates dependent on applicant’s credit history, vehicle year, make, model and NADA value. All loans require title lien and full coverage insurance. Rates, terms and information are subject to change without notice at any time.
Term Rates
Up to 36 mo. 5.500% to 15.000% APR*
37-48 mo. 6.250% to 15.750% APR*
49-60 mo. 6.375% to 15.875% APR*
61-72 mo. 7.125% to 16.625% APR*
Term Rates
Up to 24 mo. 6.500% to 16.000% APR*
25-36 mo. 7.000% to 16.500% APR*
37-60 mo. 7.500% to 17.000% APR*
Term  Rates
Up to 60 mo. 5.500% to 15.000% APR*
61-72 mo. 6.500% to 16.000% APR*
73-84 mo.  6.750% to 16.250% APR*
85-120 mo. 6.990% to 16.490% APR*
Term Rates
Up to 36 mo 5.750% to 15.250% APR*
37-48 mo. 6.500% to 16.000% APR*
49-60 mo. 6.625% to 16.125% APR*
61-72 mo. 7.125% to 16.625% APR*
Term Rates
Up to 60 mo. 6.990% to 16.490% APR*
Term Rates
Up to 60 mo. 8.990% to 18.000% APR*
Call (814) 863-0549 or mortgages@pennstatefederal.com or visit our mortgages page.
Term Rates APR*
60 mo. 5.875% 5.875%
84 mo. 5.990% 5.990%
120 mo.  6.000% 6.000%
180 mo. 6.375% 6.375%
Term  Rates APR*
Up to 60 mo. 6.375% to 15.875% APR* 6.375% to 15.875% APR*
61-84 mo. 6.490% to 15.990% APR* 6.490% to 15.990% APR*
85-120 mo.  6.500% to 16.000% APR* 6.500% to 16.000% APR*
Term Rate APR*
180 mo. 7.000% 7.000%
Term Rates
Up to 60 mo. 9.990% to 18.000% APR*
Term Rate
Based on 60 mo. 10.000% variable APR*
Visa Credit Cards 
 Rates
Platinum Rewards Credit Card 8.900% to 17.900% APR*
Share Secured Platinum Rewards Credit Card 8.900% to 17.900% APR*
Term Rate
12-60 mo. 5.250% APR*
Term Rate
12-60 mo. Share Certificate term @2.250% + Share Certificate APR*






 

Additional Resources


Examples

Installment Loan Payment Examples
A 24 month loan at 9.990% APR* would have monthly payments of $46.15 per $1,000 borrowed. A 36 month loan at 9.990% APR* would have monthly payments of $32.27 per $1,000 borrowed. A 48 month loan at 9.990% APR* would have monthly payments of $25.36 per $1,000 borrowed. A 60 month loan at 9.990% APR* would have payments of $21.25 per $1,000 borrowed.

Auto Loan Payment Examples
A 36 month loan at 4.50% APR* would have monthly payments of $29.75 per $1,000 borrowed. A 48 month loan at 4.75% APR* would have monthly payments of $22.92 per $1,000 borrowed. A 60 month loan at 4.99% APR* would have monthly payments of $18.87 per $1,000 borrowed  A 72 month loan at 6.500% APR* would have monthly payments of $16.82 per $1,000 borrowed. An 84 month loan at 6.750% APR* would have monthly payments of $14.98 per 1,000 borrowed.

1st Lien Home Equity Loan Payment Examples -- No Origination Fee. Limited-Time Offer.
A 60 month loan at 5.875% APR* would have monthly payments of $1,927.16 per $100,000 borrowed. An 84 month loan at 5.990% APR* would have monthly payments of $1,460.17 per $100,000 borrowed. A 120 month loan at 6.000% APR* would have monthly payments of $1,110.12 per $100,000 borrowed. A 180 month loan at 6.375% APR* would have monthly payments of $864.61 per $100,000 borrowed. 

2nd Lien Home Equity Loan Payment Examples -- No Origination Fee. Limited-Time Offer.
A 60 month loan at 6.375% APR* would have monthly payments of $1,950.42 per $100,000 borrowed. An 84 month loan at 6.490% APR* would have monthly payments of $1,484.24 per $100,000 borrowed. A 120 month loan at 6.500% APR* would have monthly payments of $1,135.38 per $100,000 borrowed. 

 
*APR denotes Annual Percentage Rate.
1Loan term is dependent on model year and NADA value.
2Interest rate is variable based on the Wall Street Journal Prime Rate minus 0.50%. There is a minimum rate floor of 3.50% and a maximum rate of 18.00%.
3The Credit Union may pay third party fees on your behalf. If we do, and you pay off your home equity loan within 36 months, you agree to reimburse us for the actual amount of bona fide third-party fees paid, as permitted by applicable law. 
4Interest rate is variable based on the Wall Street Journal Prime Rate plus 2.50% and a maximum rate of 18.00%.

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.

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