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New & Used Vehicle Rates
| New Vehicle Rates (2025 - 2022) |
| Effective Date: Friday, July 18th, 2025 |
| Term | APR as low as |
| 36 Months |
3.99% |
| 48 Months |
4.29% |
| 60 Months |
4.49% |
| 72 Months |
4.79% |
| For salvage/rebuilt title, call (248) 619-0440 for a rate quote. |
| For every $1,000 borrowed at 3.99% for a 48-month term, you can expect an approximate monthly payment of around $22.57. |
| Used Vehicle Rates (2021 - 2018) |
| Effective Date: Friday, July 18th, 2025 |
| Term | APR as low as |
| 24 Months |
5.49% |
| 36 Months |
5.99% |
| 48 Months |
6.19% |
| 60 Months |
6.49% |
| For salvage/rebuilt title, call (248) 619-0440 for a rate quote. |
| Used Vehicle Rates (2017 - 2013)* |
| Effective Date: Friday, July 18th, 2025 |
| Term | APR 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 (2025 - 2022) |
| Effective Date: Friday, July 18th, 2025 |
| Term* | APR as low as |
| 36 Months |
9.00% |
| 48 Months |
10.00% |
| 60 Months |
11.00% |
| Used Boat, Motorcycle & RV Rates (2021 - Older) |
| Effective Date: Friday, July 18th, 2025 |
| 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: Friday, July 18th, 2025 |
| Term | APR 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: Friday, July 18th, 2025 |
| Term | APR 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: Friday, July 18th, 2025 |
| Term | APR 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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