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New & Used Vehicle Rates

New Vehicle Rates (2024 - 2021)
Effective Date: Thursday, May 30th, 2024
TermAPR as low as
36 Months 5.49%
48 Months 5.99%
60 Months 6.19%
72 Months 6.49%
For salvage/rebuilt title, call (248) 619-0440 for a rate quote.

Used Vehicle Rates (2020 - 2017)
Effective Date: Thursday, May 30th, 2024
TermAPR as low as
24 Months 5.99%
36 Months 6.49%
48 Months 6.69%
60 Months 6.99%
For salvage/rebuilt title, call (248) 619-0440 for a rate quote.

Used Vehicle Rates (2016 - 2012)*
Effective Date: Thursday, May 30th, 2024
TermAPR as low as
24 Months 7.99%
36 Months 8.49%
48 Months 8.99%
For vehicles with a salvage/rebuilt title, please call the credit union at (248) 619-0440 for a rate quote.

Members with a PAFCU checking account (and active debit card), direct deposit, and automatic payment receive a .25% loan discount. Discounts are already included in these stated rates.

Boat, Motorcycle & RV Rates

New Boat, Motorcycle & RV Rates (2024 - 2021)
Effective Date: Thursday, May 30th, 2024
Term*APR as low as
36 Months 9.00%
48 Months 10.00%
60 Months 11.00%

Used Boat, Motorcycle & RV Rates (2020 - Older)
Effective Date: Thursday, May 30th, 2024
Term**APR as low as
36 Months 9.50%
48 Months 10.50%
60 Months 12.00%

*Amortization up to 120 months available with 60 month balloon.
**Amortization oup to 84 months available with 60 month balloon.

Mortgage Rates

Mortgage Loans - Purchase or Refinance
Effective Date: Thursday, May 30th, 2024
TermAPR as low as
3 Year Adjustable - 15, 20 & 30 years 5.75%
5 Year Adjustable - 15, 20 & 30 years 6.00%
10 Year Balloon - 15 or 20 Year Amortization 6.50%
10 Year Balloon - 30 Year Amortization 6.50%
Rates reflect .25% discount for 20% down and .25% loyalty discount.

Home Equity Term Loans
Effective Date: Thursday, May 30th, 2024
TermAPR as low as
1 Year Adjustable indexed to the Prime Rate 5.50%
3 Year Adjustable indexed to the Prime Rate 6.00%
5 Year Adjustable indexed to the Prime Rate 6.25%
Rates reflect .25% loyalty discount.

Home Equity Line of Credit
Effective Date: Thursday, May 30th, 2024
TermAPR as low as
6 Month Adjustable indexed to the Prime Rate 7.75%

APR = Annual Percentage Rate. Rates are determined by each member's credit worthiness.

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