Great Consumer Loan Rates
All stated rates are subject to change at any time. All Loan rates effective as of 01/16/2020.
- Conventional Fixed Rates
- Construction Loans
- FHA
- USDA Financing
- VA Financing
- Maryland Mortgage Program
- Improved Land Loans
- Unimproved Land Loans
- Vehicle, Motorcycle, Camper, RV & Boat Loans
- Share Secured Variable Rate Loans
- Certificate Secured Loans
- Signature Loans
- Express Signature Loans
- Personal Line of Credit
- Closed End Home Equity Loans
- Patriot Equity Line
- Credit Card Rates and Terms
Conventional Fixed Rates
| Product | Lock Period | Interest Rate | Total Points |
Annual Percentage Rate (APR) |
Payment | Max LTV |
|---|---|---|---|---|---|---|
| 30 Year Purchase | 60 days | 3.500% | 0 | 3.609% | $449.04 | 97% |
| 30 Year Refinance | 60 days | 3.625% | 0 | 3.735% | $456.05 | 97% |
| 25 Year Purchase | 60 days | 3.500% | 0 | 3.627% | $500.62 | 97% |
| 25 Year Refinance | 60 days | 3.625% | 0 | 3.753% | $507.35 | 97% |
| 20 Year Purchase | 60 days | 3.375% | 0 | 3.544% | $573.56 | 97% |
| 20 Year Refinance | 60 days | 3.375% | 0 | 3.528% | $573.56 | 97% |
| 15 Year Purchase | 60 days | 3.000% | 0 | 3.195% | $690.58 | 97% |
| 15 Year Refinance | 60 days | 3.125% | 0 | 3.321% | $696.61 | 97% |
| 10 Year Purchase | 60 days | 3.000% | 0 | 3.283% | $965.61 | 97% |
| 10 Year Refinance | 60 days | 3.125% | 0 | 3.409% | $971.39 | 97% |
Construction Loans
6 Month Construction Period, Converting to End of Loan of Your Choice
| Product | Lock Period | Interest Rate | Total Points |
Annual Percentage Rate (APR) |
Payment | Max LTV |
|---|---|---|---|---|---|---|
| 6 Months | 60 days | Prime + 1% | 1 | 10.132% | Variable | 95% |
| Product | Lock Period | Interest Rate | Total Points |
Annual Percentage Rate (APR) |
Payment | Max LTV |
|---|---|---|---|---|---|---|
| 30 Year | 60 days | 2.875% | 0 | 3.815% | $422.15 | 96.5% |
USDA Financing
100% LTV. Income and geography restrictions apply
| Product | Lock Period | Interest Rate | Total Points |
Annual Percentage Rate (APR) | Payment | Max LTV |
|---|---|---|---|---|---|---|
| 30 Year | 60 days | 3.000% | 0 | 3.607% | $433.52 | 100% |
| Product | Lock Period | Interest Rate | Total Points |
Annual Percentage Rate (APR) |
Payment | Max LTV |
|---|---|---|---|---|---|---|
| 30 Year | 60 days | 3.000% | 0 | 3.329% | $431.30 | 100% |
| Product | Lock Period | Interest Rate | Total Points |
Annual Percentage Rate (APR) |
Payment | Max LTV |
|---|---|---|---|---|---|---|
| 30 Year | 60 days | 4.625% | 0 | 4.742% | $514.14 | 97% |
Improved Land Loans
| Interest Rate | Terms | Other |
|---|---|---|
| As Low As 4.74% | Flexible Terms Available | Purchase Money
Up to 80% of Property Value. For example: On a $40,000 loan, the monthly payment for 120 months at 4.74% is $419.20 Appraisal Fee – $350 (based upon county) Your actual rate is based upon your credit history and current credit report. |
Unimproved Land Loans
| Interest Rate | Terms | Other |
|---|---|---|
| As Low As 5.49% | Flexible Terms Available | Purchase Money
Up to 70% of Property Value. For example: On a $40,000 loan, the monthly payment for 120 months at 5.49% is $433.91. Appraisal Fee – $350 (based upon county) Your actual rate is based upon your credit history and current credit report. |
All mortgage rates effective January 16, 2020.
Conventional loan rates are based on a $100k purchase transaction with superior credit and a 75% LTV or less. For FHA loans, rates are based on 96.5% base LTV on $100,000 base loan amount. USDA and VA financing are a $100k loan at 100% LTV. Mortgage rates are adjusted each business day and are subject to change throughout the day without notice. Your interest rate IS NOT locked in without a completed application and speaking to one of our mortgage loan officers. Your rates and points may differ from what is listed and depends on the individual credit score, purpose of the loan and loan-to-value. Payment does not include escrow for taxes, insurance and mortgage insurance which may be required. Normal closing costs apply. All loans subject to credit approval.
*ARM rate adjustments are determined by an index and margin, the index of which is variable and therefore unknown for future payments.
Equal Credit Opportunity Lender
Vehicle, Motorcycle, Camper, RV & Boat Loans
| Annual Percentage Rate | Terms | Other |
|---|---|---|
| As Low As 4.19% | Flexible Terms Available. | For example: For a $10,000 loan, your monthly payment will be $185.02 for 60 months at 4.19%. Up to 100% Financing.
Your actual rate is based upon your credit history and current credit report. 100% financing means LTV (loan to value) is equal to 100% of value (NADA or MSRP) of vehicle. PFCU has programs available for 100% of MSRP or NADA plus tax, tags, warranty and gap for qualified members. |
Share Secured Variable Loans
| Annual Percentage Rate | Terms |
|---|---|
| Current dividend rate on regular shares + 4.00%. | Flexible Terms Available |
Certificate Secured Loans
| Annual Percentage Rate | Terms |
|---|---|
| Certificate rate + 3.00%. | Flexible Terms Available |
Signature Loans
| Annual Percentage Rate | Terms | Other |
|---|---|---|
| As Low As 6.99% | Flexible Terms Available | For example: On a $2,500 loan, the monthly payment for 36 months at 7.24% is $77.47.
Your actual rate is based upon your credit history and current credit report. |
Express Signature Loans
| Interest Rate | Terms | Other |
|---|---|---|
| 13.50% | $1,000 loan for 12 months | $20 application fee at loan disbursement.
Monthly payment is $90.05 at 17.06% APR. |
Personal Line of Credit
| Annual Percentage Rate | Other |
|---|---|
| As Low As 11.75% | Variable rate subject to change monthly; index is the Prime Rate as reported in the Wall Street Journal on the last Friday of each month.
Maximum APR is 18% APR. Your actual rate is based upon your credit history and current credit report. |
Closed End Home Equity Loans, Up to 60 Months
| Annual Percentage Rate | Other |
|---|---|
| As Low As 3.24% | For up to 70% financing.
Other rates available for up to 100% financing. Property insurance is required. Loans secured by Maryland properties are subject to a recordation tax which varies by county. For example: On a $20,000 loan, the monthly payment for 60 months at 3.24% APR is $361.51. Your actual rate is based upon your credit history and current credit report. |
Closed End Home Equity Loans, 61 – 120 Months
| Annual Percentage Rate | Other |
|---|---|
| As Low As 3.49% | For up to 70% financing.
Other rates available for up to 100% financing. Property insurance is required. Loans secured by Maryland properties are subject to a recordation tax which varies by county. For example: On a $20,000 loan, the monthly payment for 120 months at 3.49% APR is $197.68. Your actual rate is based upon your credit history and current credit report. |
Closed End Home Equity Loans, 121 – 180 Months
| Annual Percentage Rate | Other |
|---|---|
| As Low As 3.99% | For up to 70% financing.
Other rates available for up to 100% financing. Property insurance is required. Loans secured by Maryland properties are subject to a recordation tax which varies by county. For example: On a $20,000 loan, the monthly payment for 180 months at 3.99% APR is $147.84. Your actual rate is based upon your credit history and current credit report. |
Patriot Equity Line
| Annual Percentage Rate | Other |
|---|---|
| As Low As 4.49% | For up to 70% financing.
Variable rate subject to change monthly; index is the Prime Rate as reported in the Wall Street Journal on the last Friday of each month. Prime rate as of December 1, 2019 is 4.75%. Other rates available for up to 100% financing. Property insurance is required. Application fee is $199.00. Lines of credit and loans secured by Maryland properties are subject to a recordation tax which varies by county. There is no floor on this line and the maximum APR is 18%. Your actual rate is based upon your credit history and current credit report. |
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