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Loan Rates

Savings Rates

Fee Schedule

 

Loan Rates
Effective September 2, 2014

Loan Type Annual Percentage Rate Repayment Terms
Automobile
New 1 as low as 1.99%
as low as 1.99%
as low as 1.99%
as low as 1.99%
as low as 2.49%
24 months
36 months
48 months
60 months
72 months



$10,000 min for 60 mos.
$25,000 min for 72 mos.
Used1, 2 as low as 1.99%
as low as 1.99%
as low as 1.99%
as low as 1.99%
60 months
48 months2
36 months
24 months
'13 or '14 models
'11 or '122 models
'08, '09 or '10 models
 

All rates shown quoted on approved credit only.
Recreational Vehicle
New1 as low as 4.99%
as low as 4.99%
as low as 4.99%
as low as 4.99%
as low as 6.49%
24 months
36 months
48 months
60 months
61-120 months*

All rates shown quoted on approved credit only.



*$10,000 minimum

Used1 as low as 6.49%
as low as 4.99%
as low as 4.99%
as low as 4.99%
as low as 4.99%
61-120 months*
60 months
48 months
36 months
24 months
*$10,000 minimum
'13 or '14 models
'11 or '12 models
'09 or '10 models
'07 to '08 models
Boat
New1 as low as 4.49%
as low as 4.49%
as low as 4.49%
as low as 4.49%
as low as 5.99%
24 months
36 months
48 months
60 months
61-120 months*
All rates shown quoted on approved credit only.



*$10,000 minimum
Used1 as low as 6.49%
as low as 4.99%
as low as 4.99%
as low as 4.99%
61-120 months*
60 months
48 months
36 months
*$10,000 minimum
'13 or '14 models
'11 or '12 models
'09 or '10 models

All rates shown quoted on approved credit only.
Motorcycle
New1 as low as 4.49%
as low as 4.49%
24 months
36 months
New Motorcycles only.
Used1 as low as 5.99%
as low as 4.49%
60 months
48 months or less
Used - up to 4 model years old.
All rates shown quoted on approved credit only.
Real Estate Loans
Mortgage Please contact our Mortgage Solutions loan officer for information: toll free
(866) 533-1720

Home Equity Available St. Louis Metro Area only

Purina CU
NMLS# 756091

Prime for the 1st year,

Thereafter:
Prime plus 0.5%4 (Built in floor of 2.00%)

no points
no annual fees
no closing costs with initial loan draw of $5,000 or more.
Personal Loans
Personal Loans1 as low as 10.50%

 

 

Personal Line of Credit
Personal Line of Credit1, 3 as low as 4.25%     
PCU Savings Secured
PCU Savings Secured deposit rate plus 4%
deposit rate plus 3%
60 months
60 months
$100 - $19,999
$20,000 or more
Stock Secured
Loan or Line of Credit3 prime plus 1%4
prime plus 0.5%4
60 months
60 months
$100 - $19,999
$20,000 or more
Visa® Credit Card
Visa® Credit Card 13.92%   Fixed Rate
No Annual Fee
No Cash Advance Fee

1 Rates shown for these sub-accounts are available only on approved credit and include all available discounts including .25% for automatic loan payment from a PCU/ECU checking account. Please call PCU for current rate, terms and fee information.

2 Used Auto Guideline -- Advances of $8,000 to $10,000: Approximate Repayment up to 48 months at rate for model year of collateral. Advances of $10,000 or more: Approximate Repayment up to 60 months at rate for model year of collateral.

3 If you have been approved for a Personal Line of Credit or a Stock Secured Line of Credit, your payment may change after each advance as follows:
spaceholderUnpaid Balance After Last Advance of $100-$1,000...Monthly Payment (as a % of balance after last advance) 6%
spaceholderUnpaid Balance After Last Advance of $1,100-$2,500...Monthly Payment (as a % of balance after last advance) 5%
spaceholderUnpaid Balance After Last Advance of $2,600-$5,000...Monthly Payment (as a % of balance after last advance) 3.50%
spaceholderUnpaid Balance After Last Advance of $5,100-$7,500...Monthly Payment (as a % of balance after last advance) 3%
spaceholderUnpaid Balance After Last Advance of $7,600 or more...Monthly Payment (as a % of balance after last advance) 2.50%
spaceholderUnpaid Balance After Last Advance of $10,000 or more...Monthly payment (as a % of balance after last advance) 2.00%

Payments rounded to the nearest $5 increment.

4"Prime rate" means the Prime Rate published in the Midwest Edition of the Wall Street Journal.