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New & Used Vehicle Rates

New Vehicle Rates (2023 - 2020)
Effective Date: Thursday, February 9th, 2023
TermAPR as low as
36 Months 4.24%
48 Months 4.74%
60 Months 4.94%
72 Months 5.24%

Used Vehicle Rates (2019 - 2016)
Effective Date: Thursday, February 9th, 2023
TermAPR as low as
24 Months 4.74%
36 Months 5.24%
48 Months 5.44%
60 Months 5.74%

Used Vehicle Rates (2014 - 2010)*
Effective Date: Thursday, February 9th, 2023
TermAPR as low as
24 Months 6.74%
36 Months 7.24%
48 Months 7.74%

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 (2023 - 2020)
Effective Date: Thursday, February 9th, 2023
Term*APR as low as
36 Months 6.25%
48 Months 7.25%
60 Months 8.25%

Used Boat, Motorcycle & RV Rates (2019 - Older)
Effective Date: Thursday, February 9th, 2023
Term**APR as low as
36 Months 6.75%
48 Months 7.75%
60 Months 9.25%

*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, February 9th, 2023
TermAPR as low as
3 Year Adjustable - 15, 20 & 30 years 4.25%
5 Year Adjustable - 15, 20 & 30 years 4.50%
10 Year Balloon - 15 or 20 Year Amortization 5.00%
10 Year Balloon - 30 Year Amortization 5.25%

Home Equity Term Loans
Effective Date: Thursday, February 9th, 2023
TermAPR as low as
1 Year Adjustable indexed to the Prime Rate 4.50%
3 Year Adjustable indexed to the Prime Rate 5.00%
5 Year Adjustable indexed to the Prime Rate 5.25%

Home Equity Line of Credit
Effective Date: Thursday, February 9th, 2023
TermAPR as low as
6 Month Adjustable indexed to the Prime Rate 4.50%

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

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