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Consumer Loan Rates

Whether you need money for a vacation, computer equipment, or you just need a little extra cash, we have a variety of options to suit your individual lending needs. Apply now and we'll give you an answer in just a few minutes.

Credit Card

TypeAPR*Monthly Payment
Visa® Platinum Rewards9.90% to 12.90%1the greater of 2% of the outstanding balance or $10
Visa® Platinum8.90% to 17.9%1the greater of 2% of the outstanding balance or $10
Visa® Platinum Secured8.90%1the greater of 2% of the outstanding balance or $10
The current prime rate is 3.25%. *APR = Annual Percentage Rate. 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%.

Share Secured Loan1

TermAPR*Monthly Payment2
up to 60 months4.50%3$18.58
Loan rates are effective: Tuesday, April 28, 2020
*APR = Annual Percentage Rate. 1A better People Perks rate may be possible based upon your relationship with People First FCU. 2Payments 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.

Unsecured Fixed Loan1

TermAPR*Monthly Payment2
up to 12 months8.49%3$87.19
up to 36 months8.99%3$31.56
up to 60 months9.99%3$21.07
Loan rates are effective: Tuesday, April 28, 2020
*APR = Annual Percentage Rate. 1A better People Perks rate may be possible based upon your relationship with People First FCU. 2Payments 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 The fixed rate is the lowest rate offered for this product. Rates are based upon evaluation of applicant credit. Actual rates may vary.

Unsecured Line of Credit Loan

TypeAPR*Payment Schedule
Variable10.00%1Minimum monthly payment $25
The current prime rate is 3.25%. *APR = Annual Percentage Rate. 1The 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%.

Routing Number

The People First Routing & Transit (ABA) number is: 231379115

Mailing Address

2141 Downyflake Lane
Allentown, PA 18103

©2020 People First Federal Credit Union

Membership is available to those who live, work, worship or attend school in Lehigh or Northampton counties.

About Us

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At People First FCU we are improving the accessibility and usability of our website for our members and potential members. Our efforts are based on the standards for Web Content Accessibility Guidelines 2.0. It is our policy to ensure that persons with disabilities have full and equal opportunity to benefit from our services on our website and on other online services. If you have any questions or need help with any content on our website or online services, please contact us at staff@peoplefirstcu.org or by calling our Member Service Center at 610.797.7440.

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