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: Friday, April 28, 2017

Credit Card
Type
APR*
Monthly Payment
Visa® Platinum Rewards
10.65% to 13.65%1
the greater of 2% of the outstanding balance or $10
Visa® Platinum
9.65% to 18%2
the greater of 2% of the outstanding balance or $10

The current prime rate is 4.00%

Share Secured Loan**
Term
APR*
Monthly Payment3
up to 60 months
3.24%4
$18.03
Unsecured Fixed Loan**
Term
APR*
Monthly Payment3
up to 12 months
7.90%5
$86.58
up to 36 months
8.90%5
$31.59
up to 60 months
9.90%5
$21.07
Unsecured Line of Credit Loan
Type
APR*
Payment Schedule
Variable
10.75%6

The current prime rate is 4.00%

* APR = Annual Percentage Rate.

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

1 The Annual Percentage Rate (APR) offered to you for this product will be based upon your credit evaluation. All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates section of the Wall Street Journal on the last business day of each calendar month ("Index") plus a margin from 5.65-14.65. 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. The maximum APR is 18%.

2 The Annual Percentage Rate (APR) offered to you for this product will be based upon your credit evaluation. All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates section of the Wall Street Journal on the last business day of each calendar month ("Index") plus a margin from 6.65-9.65. 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. In the event you do not qualify for the Visa® Platinum PLUS rewards card, we may offer you the Visa Platinum Credit Card with no rewards. The maximum APR is 18%.

3 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.

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

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

6 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%.

Equal Housing Lender Equal Opportunity Lender
National Credit Union AdministrationYour savings are federally insured to at least $250,000 by the National Credit Union Administration and backed by the full faith and credit of the U.S. Government.
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