Loan Rates

  
♦ Loan rates listed below are the lowest available to qualified borrowers, your loan rate and term is determined by your credit history and may be different. APR = Annual Percentage Rate. LTV = Loan to Value (determined as a percentage of MSRP for new collateral or NADA Retail for used). Rates are subject to change without notice.

Rates Effective: 04/01/14

AUTO & TRUCK                                                   APR*     TERMS

AUTO EVENT SPECIAL! Purchase a new or certified pre-owned vehicle at Wendle Motors and received this special rate!

1.790
APR = Annual Percentage Rate. Rate effective 04/01/2014 and subject to change. Rate valid on terms up to 36 months.  Longer terms up to 84 months are also available at different rates. Your rate may vary depending upon credit history, age/mileage of collateral, loan to value and PrimeSource services used.  Rate requires direct deposit of net payroll to PrimeSource checking account and e-statements.

New & Used ~ 2004 or Newer
NO PAYMENTS FOR 90 DAYS
►SEE DISCLOSURES BELOW

2.240
Up to 72 Months ~ Valid up to 115% LTV Plus the cost of selected PrimeSource Protection Products ~ Rate includes a 1.00% discount for having direct deposit of net payroll to a PSCU Checking account and for electing to receive your periodic statement electronically. ~ For approved LTV over 115% add 0.50% to approved rate. ~ Rate Premiums if applicable will apply.****
New & Used ~ 2011 or Newer
NO PAYMENTS FOR 90 DAYS
►SEE DISCLOSURES BELOW
2.740
73 to 84 month term ~ Valid up to 115% LTV Plus the cost of selected PrimeSource Protection Products ~ Rate includes a 1.00% discount for having direct deposit of net payroll to a PSCU Checking account and for electing to receive your periodic statements electronically. ~ For approved LTV over 115% add 0.50% to approved rate. ~ Rate Premiums if applicable will apply.****
OLDER USED AUTOS & TRUCKS
Used ~ 1999 to 2003 Models
9.990
Up to 36 Months ~ LTV not to exceed 100% ~ Rate includes all available discounts*
FIRST TIME AUTO BUYER PROGRAM    
First Time Auto Buyer
6.990
Up to 72 Months ~ LTV not to exceed 95% Plus the cost of PrimeSource Protection Products ~ Maximum loan amount $20,000 ~ Collateral 2004 or newer ~ Click here for more important details.
First Time Auto Buyer ~ Co-Signed
6.240
Up to 72 Months ~ LTV not to exceed 95% Plus the cost of PrimeSource Protection Products ~ Maximum loan amount $20,000 ~ Collateral 2004 or newer ~ Click here for more important details.
BOATS & RV    
New & Used ~ 2004 or newer 3.740 Up to 72 Months ~ LTV 80% ~ For LTV over 80% add 0.50% to qualified rate. ~ Rate includes a 1.00% discount for having direct deposit of net payroll to a PSCU Checking account and for electing to receive your periodic statement electronically.
New & Used ~ 2004 or newer
4.240
Up to 80% LTV. Terms 73 to180 Months. For LTV over 80% add .050% to qualified rate. Minimum loan amount restrictions apply for terms over 72 months. ~ Rate includes a 1.00% discount for having direct deposit of net payroll to a PSCU Checking account and for electing to receive your periodic statement electronically.
New & Used ~ 2011 or newer
5.240
Up to 80% LTV ~ Terms 181 to 240  Months ~ For LTV over 80% add .050% to qualified rate.~ Minimum loan amount for terms over 128 months is $75,000  ~ Rate includes a 1.00% discount for having direct deposit of net payroll to a PSCU Checking account and for electing to receive your periodic statement electronically.
REAL ESTATE LOANS - FIXED RATE - NMLS ID# 410040    
Fixed Rate Home Equity Special** 2.720
Up to 72 months ~ Maximum LTV 90% ~ Longer terms and other rates available. First of Second Deed Position.
First Deed of Trust** ----- Purchase, Refinance or Equity cash out. ~ Terms available up to 360 months ~ Please contact a PSCU mortgage loan originator for a current quote on rates and for more program details.
PrimeEquity Second Deed of Trust** 4.990
Up to 180 Months ~ Rate valid on LTV up to 80% ~ Please contact a PSCU mortgage loan originator for a current quote on rates and for more program details.
PrimeEquity Second Deed of Trust** 4.990
Up to 240 Months ~ Rate valid on LTV up to 80% ~ Please contact a PSCU mortgage loan originator for a current quote on rates and for more program details.
PrimeLine HOME EQUITY LINE OF CREDIT (HELOC) - VARIABLE RATE    
PrimeLine***
4.740
Up to 80% LTV ~ Introductory Rate listed is valid for 
three (3) months. The rate after 3 months is as low as 5.00%.  
PERSONAL SECURED LOANS    
 
Motorcycles, Personal Watercraft, All Terrain Vehicles (ATVs) & Snowmobiles ~ Minimum Engine Size 750cc ~ Model Years 2004 or newer and must be titled.
 4.240  Maximum LTV 115% for LTV over 115% add 0.50% to qualified rate. Up to 72 month term ~ 84 month term available on 2011 and newer, add 0.50% for 84 month term. ~ for 2004, 2005 and 2006 Model Years, add 1.00% to qualified rate. ~ Rate includes a 1.00% discount for having direct deposit of net payroll to a PSCU Checking account and for electing to receive your periodic statements electronically.
Motorcycles, Personal Watercraft, All Terrain Vehicles (ATVs) and Snowmobiles ~ Engines Size below 750cc Model Years 2004 or newer and must be titled. 4.240 Maximum LTV 115% for LTV over 115% add 0.50% to qualified rate. Up to 60 Month terms. For 2004, 2005 and 2006 Model Years add 1.00% to qualified rate. Rate includes a 1.00% discount for having direct deposit of net payroll to a PSCU Checking account and for electing to receive your periodic statements electronically.
PERSONAL UNSECURED LOANS     
Prime Personal Line of Credit******  9.990
Please see Consumer Loan Disclosure below for a complete listing of terms, conditions and fees. Click here for program details.
LifeStyle 9.900
Up to 60 Months ~ Click here for program details.
~ Rate includes all available discounts*
Signature 10.990
Up to 60 Months ~ Rate includes all available discounts*
Holiday Helper (Available October - December) 17.502
Up to 12 Months ~ Interest Rate 9.99% ~ Application Fee Applies*****
Classic Visa 9.900 View Visa Cardholder Agreement
OTHER LOANS    
Secured by shares, certificate or select money market account.  N/A
Up to 144 Months ~ Variable Rate ~ Rate applied to account will always be 3.00% above the rate you earn on the secured shares. 
Mobile or Manufactured Homes** 7.990
Up to 180 Months ~ Loan to Value not to exceed 80% of Appraised Value or the purchase price whichever is less. ~ Please contact the Credit Union for more information on collateral restrictions, terms and fees. 

CONSUMER LOAN DISCLOSURE
 ~ All loans are subject to approval. Unless otherwise noted, 100% financing available on approved credit, plus tax and licensing. Existing PrimeSource loans are not eligible for refinance at these rates.

*Rates include a 0.50% discount for having other PrimeSource loans or PrimeSource Visa with at least a $5k balance, or with direct deposit of net payroll into a PrimeSource Checking Account. Your rate and term may be different. In addition rates also include a .25% discount for paying your monthly payments automatically by electronic means.


****Rate Premiums: For Used Auto's aged 2003, 2004 or 2005 add 1.00% to the approved rate. For Used Auto's with over 94,999 miles add 0.50% to the approved rate. For Use Auto's with over 124,999 miles add 1.00% to the approved rate.

*****Holiday Helper Loan: One rate for all approved borrowers. Interest accrues at 9.99% Application Fee is a FINANCE CHARGE therefore, with the application fee the modified APR IS 17.502%

******Prime Personal Line of Credit: Rates effective 04/01/2013. Rates are as low as 9.99% APR; could be higher based on individual creditworthiness. Variable rate indexed to hightest prime rate published in the Wall Street Journal 15 days prior to the beginning of the quarter; rate may change quarterly. The maximum APR is 18.00%; minimum is 9.99%. A $75.00 annual fee applies, PSCU will refund this fee if automatic payments are maintained.

NO PAYMENTS FOR 90 DAYS DISCLOSURE ~ Depending upon credit quality the first payment may be delayed for up to 90 days. First payment due dates will be set based upon credit quality and will range anywhere from 30 to 90 days. Interest will continue to accrue on the loan balance from the date of inception until the deferred payment start date.

SAVE A POINT AUTO REFINANCE DISCLOSURE ~ Effective 6/01/12. Rate may vary depending upon credit quality, collateral, final loan to value, and other active services with PrimeSource.  Existing PrimeSource loans are not eligible for refinance at these rates.

Maximum loan to value, 105% of the MSRP (new vehicles) or NADA Retail Value (used vehicles) of the collateral, plus the cost of any selected PSCU Protection products (Guaranteed Asset Protection, Debt Protection, Mechanical Breakdown Protection). Save A Point
– Examples are strictly estimates, actual savings will vary depending on actual borrower circumstances. Upon approval we will drop your interest rate by at least 1.00% (assuming your rate is currently at least 3.24%) and depending on the current interest rate that is being paid along with credit quality, possibly even more than 1.00% - However, under no circumstance will the assigned interest rate be less than 2.24% APR. Limited time offer subject to change without notice. A one time $20 membership fee may apply. Membership is open to anyone that lives, works, or worships within the state of Washington.

**FIXED RATE EQUITY AND MOBILE HOME LOAN DISCLOSURE ~ Property must be member’s primary residence. Contact a loan officer for a current quote on fees, rates, terms, and more details. Payment Examples: a 5 year term would be 60 monthly payments as low as $18.88 at 4.99% APR for each $1,000.00 borrowed; a 15 year term would be 180 monthly payments as low as $7.91 at 4.99% APR for each $1,000.00 borrowed; a 20 year term would be 240 monthly payments as low as $6.60 at 4.99% APR for each $1,000.00 borrowed. 

**FIXED RATE HOME EQUITY SPECIAL LOAN DISCLOSURE ~ Rate effective 9/24/13 and subject to change. First or second deed position loans. Rate advertised is for a term of up to 72 months with maximum combined loan to value of 90%. Longer terms and other rates are available. Loans below $30,000 no closing costs. Loans over $30,000 appraisal is required—credit union pays all closing costs with the exception of the appraisal. Maximum amount financed is $300,000.00. Call a lending professional for more details. Your rate may vary depending on loan to value and term. Consult your tax advisor(y) concerning deductibility of interest. Property must be member’s primary residence and located within the state of Washington or Kootenai County, Idaho. A onetime membership fee of $20.00 may apply. Membership is open to anyone who lives, works or worships within the state of Washington.

***HOME EQUITY LINE OF CREDIT (HELOC)
~ 4.74% APR is an introductory (intro) rate available to qualified members and may vary based on credit worthiness and loan to value. Intro rate expires three (3) months from the loan closing date; applies to all balances during the intro period. The rate after the intro period is as low as 5.00% APR; could be higher based on individual creditworthiness and loan to value. Variable rate indexed to highest prime rate published in the Wall Street Journal 15 days prior to the beginning of the quarter; rate may change quarterly. Rates effective 01/01/2013.The maximum APR is 18.00%; minimum is 5.00%. Up to 90% loan-to-value minus any liens; maximum loan amount $200,000.00. 10 year draw period with maximum 180 month repayment period. $75.00 annual non-usage fee when there is no activity within one calendar year. Minimum initial draw required of $2,500.00; third party fees (closing costs) range between $1.00-1,000.00. Minimum advance to have closing costs waived with the exception of any necessary appraisal is $15,000.00. Member is responsible for appraisal fees. If line of credit is closed within 24 months of origination, reimbursement of third party closing costs will be required. Offer valid 01/01/2013 and is subject to change. Consult your tax advisor(y) concerning deductibility of interest.

 
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