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:
Rates Effective as of:
-
Auto loan rates for new & 5 years or less used cars, trucks, SUVs, & vans:
Term
(Months)
≤36
37-48
49-60
61-72
APR*
as low as¹
5.64% 6.70% 6.70% 7.05% -
Auto loan rates for used cars, trucks, SUVs, & vans older than 5 years:
Term
(Months)
≤36
37-48
49-60
61-72
APR*
as low as¹
6.14% 7.15% 7.15% 7.50% Rebuilt & Salvage Title Auto Loan Rates: Add an additional 2% to the member’s qualifying rate for used vehicles above.
-
For cars 26 Years or older. Must have appraisal by licensed appraiser.
Term
(Months)
≤36
37-48
49-60
61-72
APR*
as low as¹
8.14% 9.15% 9.15% 9.50% -
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.
Term
(Months)
≤60
61-84
85-120
121-180
APR*
as low as¹
7.59% 8.70% 9.00% 9.55% -
-
For 2nd homes add 2%, for investment properties add 2.5%
LTV <80% Term
(Months)
≤60
61-120
121-180
181-240
APR*
as low as¹
7.14% 7.55% 8.05% 8.30% LTV >80-90% Term
(Months)
≤60
61-120
121-180
181-240
APR*
as low as¹
7.64% 8.05% 8.55% 8.80% LTV >90-100% Term
(Months)
≤60
61-120
121-180
181-240
APR*
as low as¹
8.14% 8.55% 9.05% 9.30% -
For 2nd homes add 2%, for investment properties add 2.5%
LTV
(Months)
≤80%
>80-90%
>90-100%
APR*
as low as¹
7.50% 8.25% 9.00% Closing Fee
$275 $275 $275 Processing Fee
$200 $200 $200 Payment
Interest Only Interest Only Interest Only Minimum
$50 $50 $50 -
Term
(Months)
≤36
37-60
61-72
73-84
APR*
as low as¹
11.19% 13.20% 14.25% 15.25% -
Type
Minimum Payment
(Months)
APR*
(ODLOC)
Line of Credit/Overdraft Protection3% of Balance, $30 Mininum 14.20% -
Secured Loan
Max Term
(Months)
APR*
as low as
Share Covered 84 5.25% Credit Builder Loan (Max $2,000) 18 13.00% CD Secured Loan (No Money Market, IRA, or Club Accounts) 84 APY + 3.50% -
Card Type
Visa Rewards Driven Credit Card Minimum Payment
3% of Balance, $30 Minimum Term Rate (APR*)
as low as¹
13.75% Intro Rate (APR*)
First 6 Months
3.99% View and read the full Credit Card Agreement.
Credit Card Agreement
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.
¹Special Loan Rate Discount: Benefit from a 0.25% reduction when enrolling in our AutoPay service and 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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