Loan Rates
Last Updated April 1, 2025
*APR means Annual Percentage Rate. All loans are subject to credit approval. Rate, term, LTV (loan-to-value) of collateral, and/or amount requested to borrow are all subject to applicant creditworthiness and income requirements. Other conditions may apply. There are no pre-paid finance charges.
Rates are subject to change without notice.
Princeton Federal Credit Union offers a Quick Quote tool to calculate mortgage rates customized to your individual needs.
Home Equity Loan Rates
| Type | Lien | Min. Amt. to Borrow | Max. Amt. to Borrow | APR* as low as | Max. Term (months) | Payment per $1,000 |
|---|---|---|---|---|---|---|
| up to 75% LTV | 1st | $5,000.00 | $1,000,000.00 | 5.74%** | 60 | $19.22 |
| 1st | $5,000.00 | $1,000,000.00 | 5.99%** | 120 | $11.10 | |
| 1st | $5,000.00 | $1,000,000.00 | 6.49%** | 180 | $8.71 | |
| 1st | $5,000.00 | $1,000,000.00 | 6.74%** | 240 | $7.60 | |
| 80% LTV | 1st | $5,000.00 | $1,000,000.00 | 5.99%** | 60 | $19.33 |
| 1st | $5,000.00 | $1,000,000.00 | 6.24%** | 120 | $11.23 | |
| 1st | $5,000.00 | $1,000,000.00 | 6.49%** | 180 | $8.71 | |
| 1st | $5,000.00 | $1,000,000.00 | 6.74%** | 240 | $7.60 | |
| 85% LTV | 1st | $5,000.00 | $1,000,000.00 | 5.99%** | 60 | $19.33 |
| 1st | $5,000.00 | $1,000,000.00 | 6.24%** | 120 | $11.23 | |
| 1st | $5,000.00 | $1,000,000.00 | 6.49%** | 180 | $8.71 | |
| 1st | $5,000.00 | $1,000,000.00 | 6.74%** | 240 | $7.60 | |
| up to 75% LTV | 2nd | $5,000.00 | $1,000,000.00 | 6.24%** | 60 | $19.45 |
| 2nd | $5,000.00 | $1,000,000.00 | 6.49%** | 120 | $11.35 | |
| 2nd | $5,000.00 | $1,000,000.00 | 7.99%** | 180 | $9.56 | |
| 2nd | $5,000.00 | $1,000,000.00 | 8.49%** | 240 | $8.68 | |
| 80% LTV | 2nd | $5,000.00 | $1,000,000.00 | 6.49%** | 60 | $19.57 |
| 2nd | $5,000.00 | $1,000,000.00 | 6.74%** | 120 | $11.48 | |
| 2nd | $5,000.00 | $1,000,000.00 | 7.74%** | 180 | $9.41 | |
| 2nd | $5,000.00 | $1,000,000.00 | 8.24%** | 240 | $8.52 | |
| 85% LTV | 2nd | $5,000.00 | $1,000,000.00 | 7.74%** | 60 | $20.16 |
| 2nd | $5,000.00 | $1,000,000.00 | 7.99%** | 120 | $12.13 | |
| 2nd | $5,000.00 | $1,000,000.00 | 8.49% | 180 | $9.85 | |
| 2nd | $5,000.00 | $1,000,000.00 | 8.99%** | 240 | $9.00 |
Last Updated: April 1, 2025
No application fee when you apply April 1-May 31, 2025
**add .50% APR if payment is not auto deducted from checking account with full direct deposit into the checking account with PFCU
Home Equity Line of Credit
| Type | Min. Amt. to Borrow | Max. Amt. to Borrow | APR* as low as | Max. Term (months) | Payment per $1,000 |
|---|---|---|---|---|---|
| 80% LTV | $5,000.00 | $1,000,000.00 | Prime Rate - 0% | Revolving | 1% of balance during draw period |
| 85% LTV | $5,000.00 | $1,000,000.00 | Prime Rate + 0.75% | Revolving | 1% of balance during draw period |
Last Updated: April 1, 2025
5.99% Introductory APR for the first 12 months. Once the introductory rate expires, the APR may vary; refinancing members may re-qualify for the introductory rate when three years have elapsed from their original closing date.
NO APPLICATION FEE when you apply April 1-May 31, 2025
5 year draw period/15 year repayment period/20 year life of loan
This is a variable interest rate loan. The APR can change on the 1st day of each month. The APR is based on the value of an Index plus or minus a margin.
Prime rate effective 12/19/24 7.50%
Maximum Rate 18%
The Index is the Prime Rate published in the Money Rates section of The Wall Street Journal.
New Automobile Loan
Applicable to New Motorcycles and Recreational Vehicles.
| Type | Min. Amt. to Borrow | Max. Amt. to Borrow | APR* as low as | Max. Term (months) | Payment per $1,000 |
|---|---|---|---|---|---|
| 2025 (new) | $1,000.00 | $100,000.00 | 5.99%** | 60 | $19.33 |
| 2025 (new) | $1,000.00 | $100,000.00 | 6.49%** | 72 | $16.81 |
| 2025 (new) | $1,000.00 | $100,000.00 | 6.74%** | 84 | $14.97 |
Last Updated: April 1, 2025
**add .50% APR if payment is not auto deducted from checking account with full direct deposit into the checking account with PFCU
Used Automobile Loan
Applicable to Used Motorcycles and Recreational Vehicles
| Type | Min. Amt. to Borrow | Max. Amt. to Borrow | APR* as low as | Max. Term (months) | Payment per $1,000 |
|---|---|---|---|---|---|
| 2022 or newer | $1,000.00 | $100,000.00 | 6.24%** | 60 | $19.45 |
| 2022 or newer | $15,000.00 | $100,000.00 | 6.74%** | 72 | $16.93 |
| 2022 or newer | $20,000.00 | $100,000.00 | 6.99%** | 84 | $15.09 |
| 2015 to 2021 | $1,000.00 | $100,000.00 | 7.24%** | 60 | $19.92 |
| 2015 to 2021 | $1,000.00 | $100,000.00 | 7.49%** | 72 | $17.29 |
Last Updated: April 1, 2025
**add .50% APR if payment is not auto deducted from checking account with full direct deposit into the checking account with PFCU
Personal/ Unsecured Loan
| Min. Amt. to Borrow | Max. Amt. to Borrow | APR* as low as | Max. Term (months) | Payment per $1,000 |
|---|---|---|---|---|
| $500.00 | $60,000.00 | 9.75%** | 12 | $87.80 |
| $1,000.00 | $60,000.00 | 9.75%** | 24 | $46.03 |
| $3,000.00 | $60,000.00 | 9.75%** | 36 | $32.15 |
| $5,000.00 | $60,000.00 | 9.75%** | 48 | $25.25 |
| $7,000.00 | $60,000.00 | 9.75%** | 60 | $21.13 |
Last Updated: April 1, 2025
**add .50% APR if payment is not auto deducted from checking account with full direct deposit into the checking account with PFCU
Personal/ Unsecured Line of Credit
| Min. Amt. to Borrow | Max. Amt. to Borrow | APR* as low as | Max. Term (months) | Payment per $1,000 |
|---|---|---|---|---|
| $500.00 | $60,000.00 | 9.75%** | Revolving | 3% of balance |
Last Updated: April 1, 2025
Pledged Savings Loan
| Min. Amt. to Borrow | Max. Amt. to Borrow | APR* as low as | Max. Term (months) | Payment per $1,000 |
|---|---|---|---|---|
| $500.00 | - | savings rate + 4% | 36 | $29.53 |
| $75,000.00 | - | savings rate + 5% | 120 | $10.61 |
Last Updated: April 1, 2025
Pledged Certificate Loan
| Min. Amt. to Borrow | Max. Amt. to Borrow | APR* as low as | Max. Term (months) | Payment per $1,000 |
|---|---|---|---|---|
| $500.00 | - | savings rate + 4% | 48 | $22.58 |
Last Updated: April 1, 2025
Loan term must be equal to or less than the term remaining on the certificate
VISA Credit Card
| Min. Amt. to Borrow | Max. Amt. to Borrow | APR* as low as | Max. Term (months) | Payment per $1,000 |
|---|---|---|---|---|
| $500.00 | $20,000.00 | As low as 9.90% | Revolving | 3% of balance |
Last Updated: April 1, 2025
Application and Solicitation Disclosure
VISA Credit Card Agreement
*APR means Annual Percentage Rate. All loans are subject to credit approval. Rate, term, LTV (loan-to-value) of collateral and/or amount requested to borrow are all subject to applicant credit worthiness and income requirements. Other conditions may apply. There are no pre-paid finance charges.
Rates are subject to change without notice.