Consumer Loan Rates at Pittsford Federal Credit Union

Rates

Consumer Loan Rates1 - In effect as of 01/01/21

Auto / Motorcycle Loan TermsAnnual Percentage Rate

New

Up to 36 months

Up to 72 months

Up to 84 months 

1.99%

2.99%

3.99%

Used

Up to 36 months 

Up to 72 months 

1.99%

2.99%

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Boat and RV Loan Terms
(90% Maximum LTV)
Annual Percentage Rate

Up to 72 months 

4.79%

Up to 180 months

5.79%

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VISA Credit CardsAnnual Percentage Rate

VISA Platinum - Purchases & Cash

9.49%

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Personal Loans and Lines of CreditAnnual Percentage Rate

Fixed Rate (Up to 60 months)

7.79%

Variable Rate Open-end Line of Credit2

8.00%

Overdraft Line of Credit

17.50%

Share Secured Loan (Up to 60 Months)

2.40%

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Personal Account and Certificate Rates

Consumer Loan Rates

Mortgage Rates

Home Equity Loans and Line of Credit Rates

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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