Loan Rates

As a Member, you can receive an additional 0.25% off a consumer loan if you have an active PFFCU checking account in good standing with direct deposit, e-Statements and a debit card. Additionally, your loan payment must be set up by either payroll deduction, by periodic payment from another PFFCU account or by electronic transfer from another financial institution.

Your rate is based on your overall financial profile, including credit score and debt-to-income ratio. Rates are subject to change without notice.

Credit Union Rates vs Bank Rates

Personal, Auto, Recreational VISA Credit Card

Personal, Auto, Recreational

All Personal, Auto, Recreational and Credit Card Rates are current.

Type of LoanLoan TermPlatinum Rate  
Personal (Signature)7.39% APR*
New/Like New Auto Loans
Up to 48 months2.99% APR*
New/Like New Auto Loans
Up to 63 months3.29% APR*
New/Like New Auto Loans
Up to 75 months,
$15,000 min.
3.69% APR*
New/Like New Auto Loans
Up to 84 months, $25,000 min.4.49% APR*
Used Auto Loans (2011-2015)Up to 63 months4.49% APR*
Used Auto Loans
(2010 and older)
Up to 48 months5.79% APR*
Recreational Loans
Up to 144 months,
$75,000 min
6.29% APR*
Recreational Loans
Up to 120 months,
$50,000 min.
5.99% APR*
Recreational Loans
Up to 84 months,
$20,000 min.
5.79% APR*
Recreational Loans
Up to 75 months,
$20,000 min.
4.99% APR*
Recreational Loans (2016-2020)Up to 63 months4.49% APR*
Recreational Loans (2015 and older)Up to 63 months5.79% APR*

*The Annual Percentage Rate (APR), amount financed and loan term may vary depending upon your creditworthiness. Terms and amount loaned on vehicles is based on member’s overall financial profile, collateral loan/value and credit history. Please ask a loan officer for detailed information. Maximum discounts do not apply to share secured and preferred line loans.

The Annual Percentage Rate (APR) for CD Secured Loans will be the dividend rate paid by the certificate offered as security, plus 4%. The certificate must be renewed until the advance is completely paid. Failure to renew will result in default under the plan. The APR is subject to change at the time of the renewal of the Certificate.

Rates subject to change without notice.

VISA Credit Card

  • APR = Annual Percentage Rate.
  • Fixed rates are subject to change without notice.
  • All terms and loan amounts are at the discretion of our loan officers. All credit subject to approval.
  • VISA CARD disclosures listed below:
APR for PurchasesOther APRsVariable Rate InformationGrace period for repayment of the balance for purchasesMethod of computing the balance for purchasesAnnual feesMinimum finance chargeTransfer fee for purchases
9.85%-17.90% PLATINUM with rewardsCash Advances 9.85%-17.90%See belowMinimum of 25 days from statement dateAverage daily balance, including new purchasesNoneNoneNone
8.85%-17.90% PLATINUMCash Advances 8.85%-17.90%See belowMinimum of 25 days from statement dateAverage daily balance, including new purchasesNoneNoneNone
Platinum with rewards APR is 1% higher than standard Platinum. Transaction fee for cash advances $NONE. Over the credit limit fee $25.00. Late payment fee $25.00. Return check fee $39.00. Card replacement fee $7.00. Document copy fee $3.00. A fee of 1% will be imposed on all foreign transactions, including purchases, cash withdrawals, cash advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the U.S., Puerto Rico or the U.S. Virgin Islands. A VISA Credit Card will be issued in the name of the APPLICANT(S) ONLY. The ANNUAL PERCENTAGE RATE is based on certain credit-worthiness criteria, and will be within the range disclosed above.

You are leaving the Partners FFCU website and will be linked to an alternate Internet site not operated by the credit union. Partners FFCU is not responsible for the content of the alternate Internet website. Partners FFCU does not represent either the third party or you if the two of you enter into a transaction. Please be aware that privacy and security policies on the website to which you are being taken may differ from those practiced by Partners FFCU.

A $15. Convenience fee will be automatically added to your payment amount. Your maximum total payment amount (including the $15 convenience fee) cannot exceed $800. Payments initiated and approved by 3:00pm will be applied to your loan on the same business day. Payments initiated and approved after 3:00pm, or on a day that the credit union is closed (weekends and holidays), will be applied on the next business day. If you have a PFFCU debit card, please log into home banking to make your loan payment.

Please select OK to confirm and continue to the payment form.

Excludes mortgages and home equity lines of credit. A $25 fee is due at set-up for each loan. Loan must have been open for at least 6 months. Past due accounts do not qualify. One skip-a-pay allowed per calendar year (Jan-Dec).