Auto Rates

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Rates are current as of May 1, 2013 and subject to change.

New Vehicle Rates

New Auto, Truck, Van or street-approved Motorcycle. Up to 100% financing plus sales tax, license, PFCU Guaranteed Auto Protection Plus (GAP+) and Mechanical Breakdown Insurance (MBI).

Term	APR* As Low As	Payment (per $1,000)
Up to 24-months	1.99%	$42.55
Up to 36-months	1.99%	$28.64
Up to 48-Months	1.99%	$21.70
Up to 60-months	1.99%	$17.53
Up to 72-months	3.99%	$15.65
Up to 84-months	4.49%	$13.90

Used Vehicle Rates

Used Auto, Truck, Van or street-approved Motorcycle. Up to 100% of retail Blue Book value financing plus sales tax, license, PFCU Guaranteed Auto Protection Plus (GAP+) and Mechanical Breakdown Insurance (MBI).

Term	APR* As Low As	Payment (per $1,000)
Up to 24-months	1.99%	$42.55
Up to 36-months	1.99%	$28.64
Up to 48-Months	1.99%	$21.70
Up to 60-months	1.99%	$17.53
Up to 72-months	3.99%	$15.65
Up to 84-months	4.49%	$13.90

Older Used Vehicle Rates

Older Used Vehicles - finance up to 100% of Blue Book retail value, (2003-2006 model years).

Term	APR* As Low As	Payment (per $1,000)
Up to 60-months	7.99%	$20.28

Recreational Vehicle Rates

All Recreational Vehicles financing based on Blue Book retail value. Maximum term for loans under $12,000 is 48 months. Maximum term for RV loans under $25,000 is 72 months. Maximum term for RV loans under $40,000 is 120 months. Maximum term for RV loans under $50,000 is 144 months. Maximum term for loans over $50,000 is 180 months. Up to 100% financing 6 model years or newer. Up to 90% Retail Blue Book financing for 7-10 model years old.

Term	APR* As Low As	Payment (per $1,000)
Up to 60-months	4.99%	$18.87
Up to 84-months	4.99%	$14.14
Up to 120-months	5.25%	$10.74
Up to 180-months	5.85%	$8.37

*APR = Annual Percentage Rate. All rates (APRs) shown include a 1.00% discount for Automatic Payment from a PFCU Checking Account. Discount does not apply to LOC, Visa or Real Estate loans. All rates quoted are the lowest rate subject to credit approval. Term determined by loan amount. Rate may be higher based on individual credit. All payments are estimates.

To refinance an existing PFCU vehicle loan, a member should have enough in equity in the vehicle to take $500.00 cash out at 100% of base retail Blue Book. All applications are subject to credit approval.