Loan Rates

Rates Effective July 28th, 2023

Vehicle Loans

Up to 130% LTV (LTV based on NADA retail or MSRP)

  
    Term
    APR*
  
    Up to 36 months
    As low as 5.49%
  
    Up to 48 months
    As low as 6.19%
  
    Up tp 60 months
    As low as 6.39%
  
    Up to 72 months
    As low as 6.59%
  
    Up to 84 months*
    As low as 6.99%

*84 months term must be $20,000 min amount financed and only on 5-year-old or newer
Maximum mileage: 125,000 for gas engines and 175,000 for diesel engines.
The above published rates can vary based on the age of the collateral, credit worthiness, loan-to-value, and length of loan. Rates include a 0.50% rate discount for automatic payments out of a PALCO FCU deposit account.

RV, Powersports & Other Titled Vehicles

Up to 110% LTV (LTV based on NADA retail or MSRP)

  
    Term
    APR*
  
    Up to 36 months
    As low as 6.99%
  
    Up to 48 months
    As low as 7.49%
  
    Up to 60 months
    As low as 7.79%
  
    Up to 72 months
    As low as 7.99%
  
    Up to 84 months*
    As low as 8.79%
  
    Up to 96 months**
    As low as 9.59%
  
    Up to 120 months**
    As low as 10.19%

*84 months term must be $20,000 min amount financed
**96 and 120 months term must be $40,000 min amount financed
Maximum mileage: 75,000 for gas engines and 100,000 for diesel engines.
The above published rates can vary based on the age of the collateral, credit worthiness, loan-to-value, and length of loan. Rates include a 0.50% rate discount for automatic payments out of a PALCO FCU deposit account.

Personal Signature Loan**

 
    Term
    APR*
  
    Up to 60 months
    As low as 10.49%

Visa® Classic Credit Card**

 
    Term
    APR*
  
    Fixed APR
    10.90%

Visa® Rewards Credit Card**

 
    Term
    APR*
  
    Fixed APR
    15.90%

Home Equity Line of Credit

Limit $200,000 - Max LTV: 80%

Rate based on WSJ Prime Rate as of Jan 1st, 2024

 
    Term
    APR*
  
    As low as 7.25%

Home Equity Loan

Limit $200,000 - Max LTV: 80%

 
    Term
    APR*
  
    5 years or less
    As low as 5.39%
  
    Up to 7 years
    As low as 5.64%
  
    Up to 10 years
    As low as 6.29%
  
Up to 15 years
  As low as 6.49%

Limit $200,000 - Max LTV: 80%

Shared Secured

Held against funds in the account

 
    Term
    APR*
  
months
00%
  
months
00%
  
months
00%

Vacation Helper Loan

Only Available 4/1/2024 - 8/31/2024

 
    Term
    APR*
  
    12 months
    As low as 9.49%
  
    18 months
    As low as 9.89%
  
    24 months
    As low as 10.29%

Certificate Secured

Held against share certificate with renewal agreement.

 
    Term
    APR*
  
    Term Negotiable

      above cert. held as collateral
    
    2.00%

*Annual Percentage Rate. Loan Rates are subject to change at any time. Loan limits exclude Dept Protection (DP), Mechanical Repair Coverage (MRC) and Guaranteed Asset Protection Insurance (GAP). Advertised rates are based on creditworthiness, loan to value, requested terms and include a .50% rate discount for automatic payments out of an active PALCO draft account for vehicle and powersport loans.

**Combination of all unsecured loans cannot exceed a total of $25,000