PG & W Employees Federal Credit Union: Available Loans For Everyone
Sometimes people think that credit unions offer only cash checking and money-saving services. But it's not true. We offer personal loans, auto loans, motorcycle loans, recreation vehicle loans, home equity loans, and private student loans. So now you can afford everything (or almost everything) that you wanted but didn't have enough money for.
Personal loans are suitable for everything. Do you want to buy a new TV? Do you need some excellent new clothes? Or do you want to renovate the house? Or just go on vacation? Personal loans can solve any financial problem you have. No matter how low your credit score is, we have a loan for you!
We provide both signature and secured loans for 12 to 72 months. You will be pleasantly surprised by the APR. For example, if you choose a signature loan for 36 months, you'll get only 8.00% - 15.50% APR. However, it will be even cheaper if you prefer a secured one. You'll get just 2.50% APR for a 36-month loan.
Auto loans can help your wish come true. If you dream about a new car and don't have enough money, we can make it possible together. Choose a car you want and take a car loan. We provide loans for 12 to 72 months with an APR of 1.80% to 6.50%. You take an additional 0.25% off the vehicle rates when putting 20% down on vehicle purchases.
We can also make a deal if you don't need a new car and choose a used one. You can get a loan from 12 to 72 months with an APR of 2.30% to 7.90%.
Is a car too boring for you, and do you prefer motorcycles? Then, our motorcycle loan will help you to buy the model you want, regardless of its cost. And take your time; we provide 24 up to 72-month terms with a comfortable APR - 4.50% to11%. So now, you do not need to save money for a long-awaited purchase. Just take our offer and enjoy!
We also have an offer for you if you choose a used motorcycle. You can take a loan for 24 to 72 months with 5.50% to 13% APR.
By the way, you can also buy an ATV or RV under the same conditions.
Do you want to consolidate debts or just need a large amount? Then, a home equity loan will be a good option. We can offer three up to 20 years terms with an APR starting from 2.55%. Don't forget that the credit union will finance up to 70% of appraised value on a first lien home equity loan.
Private student loans are for people who want to study and don't have enough money. We believe that education is essential and that money (or lack thereof) should not be a barrier to it. For college students earning a bachelor's or associate's degree or a certificate at a degree-granting school, we offer five to 20 years as loan terms with an APR starting at 2.49%. For graduate students seeking loans for medical, dental, health professions, MBA, law, and master's/doctorate degree expenses, terms and rates will vary, so contact us to find out more.
Loan Purpose
APR**
Signature Loans
up to 12
months 7.00%
- 14.50%
up to 24
months
7.00% - 15.00%
up to 36
months 8.00%
- 15.50%
up to 48
months
8.50% - 16.00%
up
to 60
months
9.00% - 16.50%
Share
Secured
up to 36
months
2.50%
37
to 72
months
3.50%
***Take
an additional .25% off the vehicle rates
listed
below
when putting 20% down on vehicle
purchase***
New Car
Loans
up to 12
months 1.80%
- 5.00%
up to 24
months 1.80%
- 5.00%
up to 36
months 1.80%
- 5.50%
up to 48
months 2.30% -
6.00%
up to 60
months 2.30% -
6.00%
up to 72
months 2.80%
-
6.50%
Get the lowest
new auto or truck rate
possible!
We
offer a special program that allows us to
either meet or beat other financial
institutions' offers. Simply bring us
another financial institutions' offer in
writing and we will meet or beat the rate,
or give you $50!
See complete
program terms and condtions
below.
up to
12 months 2.30%
- 7.40%
up to 24
months
2.30% - 7.40%
up to 36
months
2.80% - 7.90%
up to 48
months 2.80%
- 7.90%
up to 60
months
2.80% - 7.90%
up to 72
months 3.00%
- 6.50%
100% of NADA Retail
Value financed on vehicles up to 1 year
old
90% of NADA Retail
Value financed on vehicles 2-3 years
old
80% of
NADA Retail Value financed on
vehicles 4 years
old
75% of
NADA Retail Value financed on vehicles 5 or
more years old
New
Motorcycle, ATV or RV
up to 24
months
4.50% - 9.50%
up to 60
months
5.00% - 10.00%
up to 72
months
6.00% - 11.00%
Used Motorcycle,
ATV or RV
up to 24
months 5.50%
- 11.50%
up to 60
months 6.00%
- 12.00%
up to 72
months
7.00% - 13.00%
Overdraft Line
of
Credit
15.90%
VISA
Credit
Card
9.99%
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