Effective May 3, 2021

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 2020, 2021) <10,000 miles1
12-48 mo. 2.49% - 11.99% APR*
49-60 mo. 2.99% - 12.49% APR*
61-72 mo. 4.00% - 13.50% APR*
73-84 mo. 4.50% - 14.00% APR*
Vehicle, Motorcycle and Motorhomes (2014 - 2020)1
12-24 mo. 3.00% - 12.50% APR*
25-36 mo. 3.25% - 12.75% APR*
37-60 mo. 4.00% - 13.50% APR*
61-72 mo. 5.00% - 14.50% APR*
Vehicle, Motorcycle and Motorhomes (2013 & older)1
12-24 mo. 3.50% - 13.00% APR*
25-36 mo. 4.00% - 13.50% APR*
37-60 mo. 4.50% - 14.00% APR*
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*
1st Lien Home Equity3,5
60 mo. 2.49% APR*
84 mo. 2.75% APR*
120 mo. 3.00% APR*
180 mo. 3.25% APR*
Limited time offer and rate may be withdrawn at any time
2nd Lien Home Equity3,5 Promotional Rate Expires June 30, 2021
12-60 mo. 3.75% - 13.25% APR*
61-84 mo. 3.875% - 13.375% APR*
85-120 mo. 3.99% - 13.49% APR*
Home Equity Credit Line2,3,4 Based on 180 mo. - 3.50% variable APR*
Regular Share Secured12-60 mo. - 5.25% APR*
Share Certificate Secured (No minimum)Share Certificate term @ 2.25% + Share Certificate APR**
Installment Promotional Rate Expires June 30, 2021
1-60 mo. 6.00% - 15.50% APR*
Access Credit Line2 Based on 60 mo. - 5.75% 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 6.00% APR* would have monthly payments of $44.33 per $1,000 borrowed. A 36 month loan at 6.00% APR* would have monthly payments of $30.43 per $1,000 borrowed. A 48 month loan at 6.00% APR* would have monthly payments of $23.49 per $1,000 borrowed. A 60 month loan at 6.00% APR* would have payments of $19.34 per $1,000 borrowed. Promotional Rate expires June 30, 2021.
Auto Loan Payment Examples
A 48 month loan at 2.49% APR* would have monthly payments of $21.92 per $1,000 borrowed. A 60 month loan at 2.99% APR* would have monthly payments of $17.96 per $1,000 borrowed. A 72 month loan at 4.00% APR* would have monthly payments of $15.65 per $1,000 borrowed. An 84 month loan at 4.50% APR* would have monthly payments of $13.91 per 1,000 borrowed.
1st Lien Home Equity Loan Payment Examples
A 60 month loan at 2.49 APR* would have monthly payments of $17.75 per $1,000 borrowed. An 84 month loan at 2.75% APR* would have monthly payments of $13.11 per $1,000 borrowed. A 120 month loan at 3.00% APR* would have monthly payments of $9.66 per $1,000 borrowed. A 180 month loan at 3.25% APR* would have monthly payments of $7.03 per $1,000 borrowed. ** Limited time offer and may be withdrawn at any time -- 180 month loan rate and no home equity loan application fees.
2nd Lien Home Equity Loan Payment Examples
A 60 month loan at 3.75% APR* would have monthly payments of $18.31 per $1,000 borrowed. An 84 month loan at 4.00% APR* would have monthly payments of $13.68 per $1,000 borrowed. A 120 month loan at 4.00% APR* would have monthly payments of $10.13 per $1,000 borrowed. A 180 month loan at 6.00% APR* would have monthly payments of $8.45 per $1000 borrowed. Promotional Rate expires June 30, 2021. Limited time offer and may be withdrawn at any time -- No home equity loan application fees.

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

2Interest rate is variable.

3No home equity loan application fees. Limited time offer and may be withdrawn at any time.

4Interest rate is adjustable based on the Wall Street Journal Prime Rate minus .50%. There is a minimum rate floor of 3.50% APR* and a maximum rate of 18.00% APR*.

5New Money, with a minimum loan amount of $10,000. $25,000 new money is required for refinance of a Penn State Federal 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.