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Rates
Loan rates
Loan Type
|
Term
|
APR (up to 80% financed) |
APR
(100% financed) |
New auto (includes cars, trucks, boats, trailers, jet skis, motorcycles, etc.) |
up to 5 years |
|
4.49% |
New auto (includes cars, trucks, boats, trailers, jet skis, motorcycles, etc.) |
6 years |
|
5.25% |
New auto (includes cars, trucks, boats, trailers, jet skis, motorcycles, etc.) |
7 years |
|
5.75% |
Used vehicles and RVs (financed up to 100% of NADA high book value) |
up to 5 years |
4.49% |
4.74% |
Used RVs (financed up to 100% of the NADA high book value) |
6 years |
5.25% |
5.49% |
Used RVs (financed up to 100% of the NADA high book value) |
7 years |
5.75% |
5.99% |
Personal lines of credit (up to $6,000 depending on income) |
24 months |
|
13.9% |
First Mortgages (NO FEE, up to $80,000*) |
10 years, with a 5-year call* |
|
5.5% fixed |
Second Mortgage (NO FEE, up to $80,000*) |
10 years, with a 5-year call* |
|
6.0% fixed |
Download our loan application in a fillable Word document, or a pdf.
*PWCU’s legal lending limit is $100,000 per member. This limits our real estate lending capabilities, but if you choose to use our real estate program, you will be amazed at how easy and fast the process is.
**Fees will be assessed to loans closed prior to the 2nd anniversary of the loan.
Share Rates
Share Type
|
Rate |
APY |
Shares |
0.50% |
0.50% |
IRAs |
1.50% |
1.51% |
Certificates, 6-month term, $2,500 minimum |
0.75% |
0.75% |
Certificates, 12-month term, $2,500 minimum |
1.00% |
1.00% |
Certificates, 18-month term, $2,500 minimum |
1.25% |
1.25% |
Your savings Federally
Insured to at least $100,000.
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Phillips Wasatch Credit Union is an equal housing lender.
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