Consumer Loan Rates

Whether you need money for a vacation, college education, computer equipment, new or used motorcycle or you just need a little extra cash with a signature loan to help get you through a rough time, we have a variety of fixed rate loans to suit your individual lending needs. Apply now and we'll give you an answer in just a few minutes.

Loan rates are effective: Monday, July 30, 2018

Credit Card

TypeAPR*Monthly Payment
Visa® Platinum Rewards11.65% to 14.65%1the greater of 2% of the outstanding balance or $10
Visa® Platinum10.65% to 18%1the greater of 2% of the outstanding balance or $10
Visa® Platinum Secured10.65%1the greater of 2% of the outstanding balance or $10
The current prime rate is 5.00%

Share Secured Loan**

TermAPR*Monthly Payment2
up to 60 months 4.00%3 $18.36

Unsecured Fixed Loan**

TermAPR*Monthly Payment2
up to 12 months 8.49%4 $86.59
up to 36 months 8.90%4 $31.59
up to 60 months 9.90%4 $21.07

Unsecured Line of Credit Loan

TypeAPR*Payment Schedule
Variable 11.75%5 Minimum monthly payment $25
The current prime rate is 5.00%

* APR = Annual Percentage Rate.

** A better People Perks rate may be possible based upon your relationship with People First FCU.

1 VARIABLE RATE. All advances are subject to a Variable Interest Rate which is based on the highest Prime Rate as published in the Money Rates section of The Wall Street Journal in effect on the last business day of each calendar month ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% and will apply to your remaining principal balance.

  • The Margin that will apply to your VISA Platinum Account is 5.65%-14.65%, based on your creditworthiness at the time you establish your Account.
  • The Margin that will apply to your VISA Platinum Rewards Account is 6.65%-9.65%, based on your creditworthiness at the time you establish your Account.
  • The Margin that will apply to your VISA Platinum Secured Account is 5.65%.

2 Payments quoted above are based upon $1,000 borrowed. In order to obtain an estimated monthly payment for a specified loan amount, multiply the monthly payment factor listed above for the desired loan term by the number of thousand dollars borrowed or calculate your payment with our Loan Calculator.

3 Rates are subject to change without notice. Rates are based upon evaluation of applicant credit. Actual rates may vary.

4 The fixed rate is the lowest rate offered for this product. Rates are based upon evaluation of applicant credit. Actual rates may vary.

5 The variable line of credit rate is subject to change monthly. The rate is based on the prime rate as published in the Wall Street Journal on the last business day of the month plus a 6.75% Margin rounded up to the nearest 0.25%. The maximum APR is 18%.

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