Current Loan Rates

Current Loan Rates
Effective September 1, 2010 through September 30, 2010.

NEW & PRE-OWNED VEHICLE (2003 & Newer)
PFCU vs. Dealer Rates

Up to 36 Months

3.75% APR*

37 to 60 Months

4.25% APR*

61 to 72**Months

6.50% APR*

NEW & PRE-OWNED MOTORCYCLE (2003 & Newer)

Up to 36 Months

8.50% APR*

37 to 60 Months

9.00% APR*

NEW & PRE-OWNED RV'S & BOATS (2003 & Newer)

Up to 72 Months

9.75% APR*

73 to 120 Months

11.25% APR*

121 to 180 Months

13.75% APR*

SIGNATURE LOAN ($7,500 max)

Up to 12 Months

8.85% APR*

13 to 24 Months

9.85% APR*

25 to 36 Months

12.85% APR*

37 to 48 Months

14.85% APR*

IMMEDIATE NEED LOAN

14.00% APR*

SHARE SECURED LOAN

Deposit Rate + 3%

COMPUTER LOAN

8.85% APR*

PERSONAL LINE OF CREDIT ($5,000 MAXIMUM )

11.50% APR*

VISA GOLD CREDIT CARD

12.50% APR*

VISA GOLD LITE CREDIT CARD

9.90% APR*

VISA CREDIT CARD

13.50% APR*

COLLEGIATE VISA CREDIT CARD

13.50% APR*

SHARED SECURED VISA

13.50% APR*

HOME EQUITY LINE OF CREDIT, Variable

Please call 800-765-4527 for current rates

SECOND TRUST DEED, Fixed

Please call 800-765-4527 for current rates

SECOND TRUST DEED, Variable

Please call 800-765-4527 for current rates

FIRST TRUST DEED, ARM OR FIXED

Please call 888-255-2553 for current rates.

*Annual Percentage Rate.

**61 to 72-Month loan available for New Vehicle purchases only. Minimum loan amount $25,000.

Parsons Federal Credit Union makes all loans subject to credit approval, in accordance with criteria established by our Board of Directors and our regulatory agency, the National Credit Union Administration (NCUA). All member loan applications receive a fair, confidential review.

Rates subject to change without notice.

Sample Auto Loan Payment: $15,000 at 3.75%APR* for a term of 36 months is $441.19. $15,000 at 4.25%APR* for a term of 60 months is $277.94. $25,000 at 6.50%APR* for a term of 72 months is $420.25.

Sample Motorcycle Loan Payment: $10,000 at 8.50%APR* for a term of 36 months is $315.68. $10,000 at 9.00%APR* for a term of 60 months is $207.58.

Sample RV & Boat Loan Payment: $50,000 at 9.75%APR* for a term of 72 months is $920.00. $50,000 at 11.25%APR* for a term of 120 months is $695.84. $50,000 at 13.75%APR* for a term of 180 months is $657.49.

Sample Personal Loan Payment $500 at 8.85%APR* for a term of 12 months is $43.69. $500 at 9.85%APR* for a term of 24 months is $23.40. $500 at 12.85%APR* for a term of 36 month is $16.81. $500 at 14.85%APR* for a term of 48 months is $13.88.

Sample Immediate Need Loan Payment $500 at 14.00%* for a term of 6 months is $86.77

Sample Personal Line of Credit Loan Payment: If your maximum withdrawal is $2,500 at 11.50%APR* for a term of 48 months your payment will be $65.22.

Sample Computer Loan Payment: $1,000 at 8.85%APR* for 18 months is $59.53.

Interest Rates and Interest Charges - Visa Credit Cards
Annual Percentage Rate (APR) for Purchases	Classic	Gold	Gold Lite
	13.50%	12.50%	9.90%
APR for Balance Transfers	13.50%	12.50%	9.90%
APR for Cash Advances	13.50%	12.50%	9.90%
Penalty Rate and When it Applies	There is no penalty rate
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge	There is no minimum interest charge
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Fees
Annual Fee	None
Transaction Fees Balance Transfer Cash Advance Foreign Transaction	None None 1% of each transaction in U.S. dollars.
Penalty Fees Balance Transfer Cash Advance Foreign Transaction	3% of payment due or $5.00 whichever is greater $10 $15
Other Fees	None


This credit union is federally insured by the National Credit Union Administration

Excess Insurance Coverage