Personal Loan
A personal loan is established for a predetermined period with a specific loan payment. This loan is a convenient and unsecured loan option if you need extra cash for just about anything such as a vacation, consolidation of debt, wedding, college tuition, or medical expenses. It includes the following features:
Minimum loan amount $500
Maximum loan amount $60,000**
Fixed interest rate
Fixed biweekly or monthly payment
Financing available up to 60 months
No penalty for early payoff
Personal Line of Credit
A personal line of credit is a convenient and revolving loan option offering the flexibility of establishing a credit limit and advancing funds on the line in the event of need or if you have an unexpected emergency.
Minimum credit limit - $500
Maximum credit limit - $60,000**
Fixed interest rate
Variable monthly payment (3% of the balance)
No penalty for early payoff
Access funds via internet banking
Overdraft Transfer Service available from a personal line of credit for a checking account
Personal Loan Rates
Last Updated: March 1, 2025
**Add .50% APR if payment is not auto-deducted from the checking account with full direct deposit into the checking account with PFCU.
| 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 |
Personal Line of Credit Rates
Last Updated: March 1, 2025
| 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 |
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*APR= Annual Percentage Rate. Rates are subject to change at any time. Must be a Princeton FCU Member in good standing and meet all lending requirements. Loan decisions including borrowing amount and rate are subject to creditworthiness and gross monthly income.