Consumer Loan Rates at Pittsford Federal Credit Union


Consumer Loan Rates1 - In effect as of 05/01/22

Auto / MotorcycleLoan TermsAnnual Percentage Rate

New & Used

Up to 36 months


New & Used

Up to 60 months


New & Used

Up to 72 months


New Only

Up to 84 months 


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Boat, RV, Trailer and Off-Road Vehicle Loan Terms
(90% Maximum LTV)
Annual Percentage Rate

Up to 72 months 


Up to 180 months


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VISA Credit CardsAnnual Percentage Rate

VISA Platinum - Purchases & Cash


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Personal Loans and Lines of CreditAnnual Percentage Rate

Fixed Rate (Up to 60 months)


Variable Rate Open-end Line of Credit2


Overdraft Line of Credit


Share Secured Loan (Up to 60 Months)


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1 Rates are subject to change without notice. All credit is subject to approval and must meet credit granting terms and conditions. Rates do not apply to refinance of an existing Pittsford FCU loan.

2 APR may adjust quarterly on the 1st of January, April, July and October.  Rate calculation based on the 6-month Treasury Bill plus margin of 8% rounded to the nearest one quarter of one percent.  Will not increase or decrease more than 2% at any one adjustment. Maximum APR 18.00%.

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