Home

  • Home
  • Account Access
  • About Us
  • How To Join
  • Services
  • Rates
  • Loans
  • Calculators
  • Contact Us
  • Holidays
  • Service Fees
  • Privacy Policy
  •  

     

    Rate Information »

    Loan Calculator

    Fill out an application online!


    APR refers to the annual percentage rate or the dividend rate.

    APY refers to the annual percentage yield.

    Loan Rates

    Rates as of 5/6/2009.
    Rate Description Term Payment Description APR APR Type
    New and Used Auto/Motorcycle Up to 72 months 5.75% Fixed
    New and Used Autos 84 months 6.75% Fixed
    New and Used Hybrid Up to 72 months 4.99% Fixed
    Share Secured 120 months 3.00% Fixed
    Signature Loans 36 months 14.40% Fixed
    Line of Credit / Overdraft 36 months 14.40% Fixed
    Visa (Purchases) Open 7.99% Fixed
    Visa (Balance Transfers) Open 7.99% Fixed
    Visa (Cash Advances) Open 12.00% Fixed
    Share Secured Visa (Purchases) Open 7.99% Fixed
    Share Secured Visa (Cash Advances) Open 12.00% Fixed
    Bill Consolidation 36 months 14.40% Fixed
    Recession Special BC* 36 months 12.50% Fixed
    Home Equity Line of Credit ** 180 months 4.00% Variable

    Rates: Postal Credit Union uses a Risk Based Lending Policy, which allows Your Credit Union to lend members who might not otherwise qualify. The above rates are our base rates. Members who use 2 or more designated services will qualify for an additional 1/2 % off the base rate. Call Your Credit Union at (510) 582-3330 to apply today!
    Current rates are subject to change without notice.

    Eligibility for Loans: The borrower must be a member of the Credit Union and in good standing, be a full-time permanent employee, PTF (not on probation) or retired employees. Maximum unsecured limit is $25,000 per household. This can be a combination of signature loan, VISA and/or Line of credit.

    *Limited time only. Restrictions apply.

    **Variable

    +Price based on new car price book, plus tax, license and our warranty

    ++100% of wholesale (low) Blue Book, plus tax, license and our warranty or 100% of Retail (high) Blue Book with the purchase of a GAP policy.

    © 2007 Postal Credit Union of Northern California

    Home | Account Access | Rate Information | Loan Information | About Us | Holidays
    How To Join | Services | Service Fees | Contact Us | Privacy Policy


    We do business in accordance with the
    Federal Fair Housing Law and the
    Equal Credit Opportunity Act.