At PDCU, we are dedicated to providing our members with the most competitive and affordable loan rates and options tailored to meet your financial needs. Whether you’re looking to finance a new home, purchase a vehicle, consolidate debt, or embark on a new personal project, we have the right loan. Explore our wide range of loan products and find the perfect rate to help you achieve your financial goals. Check out our current rates below and see how PDCU can make borrowing easy and affordable.
Loan Rates:
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New & 5 Years or Less Used Cars, Trucks, and Vans
Max Term Term Rate (APR) Up to 36 Months As low as 5.24% 37 to 48 Months As low as 6.10% 49 to 60 Months As low as 6.10% 61 to 72 Months As low as 6.40% 73 to 84 Months As low as 6.65% 96 Months As low as 6.90% -
Used Cars, Trucks, and Vans Older Than 5 Years
Rates Effective as of: 09-07-2024Max Term Term Rate (APR) Up to 36 Months As low as 5.74% 37 to 48 Months As low as 6.60% 49 to 60 Months As low as 6.60% 61 to 72 Months As low as 6.90% 73 to 84 Months As low as 7.15% 96 Months As low as 7.40% For models older than 5 years.
Rebuilt & Salvage Title Auto Loan Rates: Add an additional 2% to the member’s qualifying rate for used vehicles above.
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26 years & older. Must have an appraisal by a licensed appraiser.
Classic Cars, 26 Years & Older
Max Term Term Rate (APR) Up to 36 Months As low as 7.74% 37 to 48 Months As low as 8.60% 49 to 60 Months As low as 8.60% 61-72 Months As low as 8.90% 73-84 Months As low as 9.15% 96 Months As low as 9.40% For cars 26 Years or older. Must have appraisal by licensed appraiser.
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Recreational Vehicle Loan Rates
Rates Effective as of: 09-07-2024Term Term Rate (APR) Up to 60 Months As low as 7.24% 61-84 Months As low as 8.25% 85-120 Months As low as 8.60% 121-180 Months As low as 9.20% Loan and financing rates for motor homes, campers, boats, motorcycles, ATVs and snowmobiles. Add 1.00% to applicable rate on loans with collateral that is 11 to 15 years old. PDCU may consider doing a loan with collateral that is older than 15 years (on an exception basis only), in which case 2.00% would be added to applicable rate.
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First Mortgage Loans
Rates Effective as of: 09-07-2024Other Info Term Rates (APR) Down payments are required Fixed or Adjustable For today’s rates, click below or call (248) 263-4148 For today’s rates, Click Here
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Fixed Term Home Equity Loan Rates
Rates Effective as of: 09-07-2024Loan-to-Value Max Term Term Rate (APR) LTV up to 80% Up to 60 Months As low as 6.59% LTV up to 80% 61-120 Months As low as 7.00% LTV up to 80% 121-180 Months As low as 7.60% LTV up to 80% 181-240 Months As low as 7.85% LTV >80% to 90% Up to 60 Months As low as 7.09% LTV >80% to 90% 61-120 Months As low as 7.50% LTV >80% to 90% 121-180 Months As low as 8.10% LTV >80% to 90% 181-240 Months As low as 8.35% LTV >90% to 100% Up to 60 Months As low as 7.59% LTV >90% to 100% 61-120 Months As low as 8.00% LTV >90% to 100% 121-180 Months As low as 8.60% LTV >90% to 100% 181-240 Months As low as 8.85% For 2nd Homes add 2%
For Investment Properties add 2.5% -
Home Equity Line of Credit Rates
Rates Effective as of: 09-07-2024Max Term Closing Fee: Other Info Term Rate (APR) LTV Up to 80% $275 Payment: Interest Only. $50 Minimum. As low as 8.25% APR LTV 81% to 90% $275 Payment: Interest Only. $50 Minimum. As low as 9.00% APR LTV >90% to 100% $275 Payment: Interest Only. $50 Minimum. As low as 9.75% APR For 2nd Homes add 2%
For Investment Properties add 2.5% -
Unsecured Loan Rates
Rates Effective as of: 09-07-2024Max Term Term Rate (APR) Up to 36 months As low as 10.64% 37 - 60 Months As low as 12.55% 61 - 72 Months As low as 13.60% 73 - 84 Months As low as 14.60% -
Line of Credit/Overdraft Protection
Rates Effective as of: 09-07-2024Minimum Payment Term Rate (APR*) 3% of Balance, $30 Mininum 14.85% -
Secured Loan Rates
Secured Loans Max Term Rate (APR) Share Covered 84 Month 5.25% Credit Builder Loan 18 Month 13.00% CD Secured Loan 84 month APY + 3.50% -
Credit Cards
Rates Effective as of: 09-07-2024Type Minimum Payment Term Rate (APR) Intro Rate (APR) REWARDS VISA 3% of Balance, $30 Minimum APR* as low as 14.5% 3.99% for 6 months *Annual Percentage Rate (APR) for Purchases
All rates are variable and disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. A lending specialist will let you know the rate you qualify for after reviewing your application documents. Rates are subject to change at any time. For details or latest rate information, contact a credit union representative
Download Disclosure https://www.peopledrivencu.org/wp-content/uploads/2024/01/2024-01-31-pdcu-visa-rewards-card-disclosure.pdf
Disclosures:
*APR = Annual Percentage Rate: The actual APR and loan term is subject to approval and may be determined upon the borrower’s creditworthiness, the amount borrowed, and the type, value, age, and condition of the collateral offered to secure the loan (when applicable). Rates are effective as of today and are subject to change.
Special Loan Rate Discount: Benefit from a 0.25% reduction when enrolling in our AutoPay service, which is included in the “as low as” rate advertised. The discount is available to those with Direct Deposit of payroll, social security, or retirement and AutoPay setup from a People Driven Credit Union checking or savings account.
Payment Example: Monthly payments of $20.00 for each $1,000 borrowed at 6.55% APR for 60 months.
Rates are effective as of today and may change at any time. Penalties apply for early withdrawal. View our Privacy Policy and read our disclaimer regarding links to other sites.
People Driven Credit Union is an Equal Housing Opportunity Lender NMLS #776727
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