Rates

RATES

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Mortgages

Conventional Fannie Mae Mortgage Product	Origination Fee or Lender Credit	Interest Rate	APR
10-Year Fixed^{1 3}	0.000%	6.375%	6.461%
	0.375%	6.250%	6.419%
	0.750%	6.125%	6.378%
	1.125%	6.000%	6.337%
	1.500%	5.875%	6.296%
15-Year Fixed^{1 3}	0.000%	6.375%	6.436%
	0.375%	6.250%	6.370%
	0.750%	6.125%	6.304%
	1.125%	6.000%	6.238%
	1.500%	5.875%	6.172%
15-Year Fixed Jumbo^{2 3}	0.000%	6.375%	6.391%
	0.375%	6.250%	6.325%
	0.750%	6.125%	6.259%
	1.125%	6.000%	6.193%
	1.500%	5.875%	6.127%
20-Year Fixed^{1 2 3}	-0.182%	7.000%	7.050%
	0.259%	6.875%	6.959%
30-Year Fixed^{1 2 3}	-0.314%	7.250%	7.289%
	0.156%	7.125%	7.180%

Conventional Fannie Mae Mortgage Product	Origination Fee or Lender Credit	Interest Rate	APR
5/30 ARM^{1 3}	0.000%	6.375%	6.736%
	0.375%	6.250%	6.723%
	0.750%	6.125%	6.710%
	1.125%	6.000%	6.696%
	1.500%	5.875%	6.683%
7/30 ARM^{1 3}	0.000%	6.500%	6.712%
	0.375%	6.375%	6.683%
	0.750%	6.250%	6.655%
	1.125%	6.125%	6.627%
	1.500%	6.000%	6.599%
7/30 ARM Jumbo^{2 3}	0.000%	6.500%	6.685%
	0.375%	6.375%	6.657%
	0.750%	6.250%	6.628%
	1.125%	6.125%	6.600%
	1.500%	6.000%	6.572%

Conventional Fannie Mae Mortgage Product	Origination Fee or Lender Credit	Interest Rate	APR
15-Year Fixed Rate Non-Owner Occupied^{2 3 4 5}	-0.110%	7.500%	7.571%
	0.164%	7.375%	7.472%
30-Year Fixed Rate Non-Owner Occupied^{2 3 4 5}	-0.001%	7.250%	7.294%
	0.410%	7.125%	7.210%

Disclosures

Rates stated are for Loan Amounts greater than $100,000, a 780 or higher credit score, an LTV of 80% or less and a 60-day rate lock. Rates are updated twice daily at approximately 9:30 a.m. and 2:00 p.m. Cash out Refinances are excluded and may be subject to higher rates. No rate lock deposit required for Conventional Fannie Mae Mortgage products.
You can reduce your rate by paying points or receive a lender credit toward closing costs by paying a higher rate. Points and lender credits are shown as a percentage of the loan amount. For example, Points of 0.10% of the loan amount means you will pay PFFCU at closing $100 for every $100,000 borrowed. A Lender Credit of -0.10% of the loan amount means PFFCU will apply $100 for every $100,000 borrowed to offset your closing costs.
Members are responsible for payment of all mortgage taxes in Florida, including, but not limited to the Documentary Stamp Tax.
Rates stated for jumbo mortgages are for loan amounts greater than $806,500, a 680 or higher credit score, and LTV of 80% or less.
Rates stated for Non-Owner Occupied are for Loan Amounts ≥ $100,000, a 780 or higher credit score, an LTV of 70% or less and a 60-day rate lock. Cash out refinances are excluded and may be subject to higher rates and lower LTV. A minimum 1-year verifiable prior experience owning real estate required for cash out loans and for purchase loans with an >75.01% LTV. Non-Owner Occupied loans not available in Florida.

EXPRESS Refinance

*PFFCU EXPRESS* Refi Mortgage**	Origination Fee or Lender Credit	Interest Rate	APR
10-Year Fixed Rate^{1 2}	0.000%	6.375%	6.486%
	0.375%	6.250%	6.445%
	0.750%	6.125%	6.404%
	1.125%	6.000%	6.363%
	1.500%	5.875%	6.322%
15-Year Fixed Rate^{1 2}	0.000%	6.375%	6.454%
	0.375%	6.250%	6.388%
	0.750%	6.125%	6.322%
	1.125%	6.000%	6.256%
	1.500%	5.875%	6.190%
15-Year Fixed Rate Jumbo^{2 3}	0.000%	6.375%	6.396%
	0.375%	6.250%	6.330%
	0.750%	6.125%	6.264%
	1.125%	6.000%	6.198%
	1.500%	5.875%	6.132%
20-Year Fixed Rate^{1 2}	0.000%	7.000%	7.065%
	0.375%	6.875%	6.988%
	0.750%	6.750%	6.911%
	1.125%	6.625%	6.834%
	1.500%	6.500%	6.692%
5/30 ARM^{1 2}	0.000%	6.375%	6.747%
	0.375%	6.250%	6.734%
	0.750%	6.125%	6.721%
	1.125%	6.000%	6.707%
	1.500%	5.875%	6.694%
7/30 ARM^{1 2}	0.000%	6.500%	6.723%
	0.375%	6.375%	6.694%
	0.750%	6.250%	6.666%
	1.125%	6.125%	6.638%
	1.500%	6.000%	6.610%
7/30 ARM Jumbo^{2 3}	0.000%	6.500%	6.882%
	0.375%	6.375%	6.853%
	0.750%	6.250%	6.825%
	1.125%	6.125%	6.796%
	1.500%	6.000%	6.768%

Disclosures

Rates stated are for loan amounts greater than $100,000, a 700 or higher credit score, and LTV of 80% or less. The rates above reflect the lowest available rates. The rate you receive may be higher based on your credit score, mortgage loan-to-value ratio or other loan factors. Rates are based on loans up to $806,500. For rates on loans exceeding $806,500 (Jumbo loans) call PFFCU at 215-931-0300 or 800-228-8801 and ask to speak to a Mortgage Advisor to discuss your applicable rate.
You can reduce your rate by paying points or receive a lender credit toward closing costs by paying a higher rate. Points and lender credits are shown as a percentage of the loan amount. For example, Points of 0.10% of the loan amount means you will pay PFFCU at closing $100 for every $100,000 borrowed. A lender credit of -.10% of the loan amount means PFFCU will apply $100 for every $100,000 borrowed to offset your closing costs. You can select to lock-in your rate for a PFFCU EXPRESS Refi Mortgage for 60 days. Speak with a Mortgage Advisor for other rate lock options.
Rates stated for jumbo mortgages are for loan amounts greater than $806,500, a 680 or higher credit score, and LTV of 80% or less.

Home Equity

Annual Percentage Rates (APRs) are effective as of January 14, 2025 and are subject to change.
5, 10, 15, 20 Year Home Equity Loan Rates¹

Term	LTV²	Loan Amount	APR³	Monthly Payment per $1,000⁴
5 Years	Up to 80%	$50,000 – $600,000	6.24%	$19.44
		$25,000 – $49,999	6.74%	$19.68
10 Years	Up to 80%	$50,000 – $600,000	6.24%	$11.22
		$25,000 – $49,999	6.74%	$11.48
15 Years	Up to 80%	$50,000 – $600,000	6.24%	$8.57
		$25,000 – $49,999	6.74%	$8.84
20 Years	Up to 80%	$50,000 – $600,000	6.99%	$7.75
5 Years	80.01% to 100%	$50,000 – $100,000	7.74%	$20.15
		$25,000 – $49,999	8.24%	$20.39
10 Years	80.01% to 100%	$50,000 – $100,000	7.74%	$12.00
		$25,000 – $49,999	8.24%	$12.26
15 Years	80.01% to 100%	$50,000 – $100,000	7.74%	$9.41
		$25,000 – $49,999	8.24%	$9.84

Non-Owner-Occupied Home Equity Loan Rate⁵

Term	LTV²	Loan Amount	APR³	Monthly Payment per $1,000⁴
15 Years	Up to 65%	$50,000 – $200,000	8.74%	$9.99
			9.24%	$10.29

Annual Percentage Rates (APRs)⁶ are effective as of January 14, 2025 and are subject to change.

Loan to Value²	Margin	APR
Up to 80%	-0.75%	7.00%

Disclosures

Home Equity loan rates shown are for loans secured by a member’s primary residence. Single family owner occupied vacation properties have a maximum LTV of 80%. Rates and terms vary for loans secured by other types of property. The stated rates for loans up to 80% LTV reflect a 0.25% discount with automatic payment from an active PFFCU Checking Account (S0004) or Savings Account (S0001) or distribution from a payroll check automatically deposited with PFFCU and are SUBJECT TO CHANGE WITHOUT NOTICE. Loans exceeding 80% LTV require automatic payment and are not eligible for discount in APR.
LTV is calculated based upon your loan amount plus any outstanding liens. This combined amount is divided by the appraised value of your home. The resulting ratio will be a factor in determining your interest rate and how much you can borrow. For LTV ratios of 80.01% – 100% the maximum PFFCU Home Equity Loan amount is $100,000. For investment property LTV ratios of up to 65% the maximum PFFCU Home Equity Loan amount is $200,000. Home Equity Line of Credit must be secured by a member’s primary residence for loan amount up to $600,000 with 80% LTV.
Advertised APRs do not reflect all possible rates. Your rate will depend upon your Loan-To-Value ratio (LTV), the term of the loan, the loan amount and credit score.
To compute the monthly payment for a specific borrowed amount, multiply the “per $1,000 payment factor” by the number of thousand dollars borrowed. For example, if you borrow $30,000, multiply 30 by the figure specified next to the specific loan product.
The Annual Percentage Rate (APR) you will receive will depend upon loan amount, Loan-to-Value (LTV), and credit score. The stated rates for loans up to 65% reflect a 0.25% discount with automatic payment from an active PFFCU Checking Account (S0004) or Savings Account (S0001) or distribution from a payroll check automatically deposited with PFFCU and are SUBJECT TO CHANGE WITHOUT NOTICE. Automatic payment required for investment property loans.
Home Equity Line of Credit rate reflects 0.25% discount with automatic payment from an active PFFCU Checking Account (S0004) or Savings Account (S0001) or distribution from a payroll check automatically deposited with PFFCU, will vary with the Market based on the Prime Rate, may adjust monthly, and is SUBJECT TO CHANGE WITHOUT NOTICE. The maximum Annual Percentage Rate that we may impose will not exceed that permitted to be charged by a federally chartered credit union, which at the time of this disclosure is 18.00%. The minimum APR that can apply during the term of this Line of Credit is 2.99%. The current Prime Rate is 7.75%, as of November 18, 2024. Your ANNUAL PERCENTAGE RATE thus equals the Prime Rate of 7.75% minus 0.75% with an APR of 7.00%. Home Equity Line of Credit must be secured by a member’s primary residence for loan amounts up to $600,000 with 80% LTV. Members are responsible for all home equity lines of credit taxes in Florida, including, but not limited to the Documentary Stamp Tax.

Auto Loans

Annual Percentage Rates (APRs) are effective as of January 14, 2025 and are subject to change.
2026, 2025, 2024, and 2023 Model Vehicles

Loan¹	APR	Monthly Payment per $1,000²
63 months \| Minimum $7,500	5.99%	$18.54
	6.24%	$18.66
	6.99%	$19.01
	7.99%	$19.49

72 months \| Minimum $10,000	6.24%	$16.69
	6.49%	$16.81
	7.24%	$17.16
	8.24%	$17.65

75 months \| Minimum $12,500	6.24%	$16.14
	6.49%	$16.26
	7.24%	$16.62

84 months \| Minimum $15,000	6.74%	$14.97
	6.99%	$15.09
	7.74%	$15.46

2022 and 2021 Model Vehicles

Loan¹	APR	Monthly Payment per $1,000²
63 months \| Minimum $7,500	6.24%	$18.66
	6.49%	$18.77
	7.24%	$19.13
	8.24%	$19.61

72 months \| Minimum $10,000	6.49%	$16.81
	6.74%	$16.92
	7.49%	$17.29
	8.49%	$17.77

75 months \| Minimum $12,500	6.49%	$16.26
	6.74%	$16.38
	7.49%	$16.74

2020, 2019, and 2018 Model Vehicles

Loan¹	APR	Monthly Payment per $1,000²
63 months \| Minimum $7,500	6.74%	$18.89
	6.99%	$19.01
	7.74%	$19.37
	8.74%	$19.85

72 months \| Minimum $10,000	6.99%	$17.04
	7.24%	$17.16
	7.99%	$17.53

Disclosures

Financing up to 120% LTV available for members with Tier A+, Tier 1, and Tier 2 credit scores.
The Annual Percentage Rate (APR) you receive will depend upon the term of the loan, your credit score at the time of application and the model year of the vehicle. Minimum loan amount for auto loans with terms of 64 through 72 months is $10,000. Minimum loan amount for 2026, 2025, 2024, and 2023 model year vehicles with terms of 73 through 84 months is $15,000. Minimum loan amount for all other auto loans is $7,500. The maximum age on any car financed with an AutoDraft is seven (7) years. Mileage may not exceed 75,000 miles. AutoDraft may not be used for sales between private parties, may not be used as a down payment on a vehicle and may not be used to purchase motorcycles, reconditioned, reconstructed, or salvage vehicles. AutoDrafts can only be used to purchase new cars in PA, NJ, DE, MD, NY, and FL and used cars in PA, NJ, and DE from business entities licensed to sell automobiles. The amount of the draft must not exceed the cost of the vehicle (net allowances or trade-ins) plus tax, tags, extended warranty, and dealer installed options. See AutoDraft for all terms and conditions.

Personal Loans

Rates are effective as of January 14, 2025 and are subject to change.
Monthly payment is 2.25% of the line amount with a minimum of $25.

	APR	How the Variable APR Is Calculated	Minimum Rate
Personal Line of Credit^{1 2}	12.65%	Prime + 4.9%	8.9%
	16.65%	Prime + 8.9%	12.9%
	18.00%	Prime + 12.9%	17.9%

Rates are effective as of January 14, 2025 and are subject to change.

	APR	Monthly Payment 60-Month Term	Monthly Payment 72-Month Term
Signature Loan^{1 2 3}	12.75%	$22.63	$19.94
	12.90%	$22.70	$20.02
	15.90%	$24.26	$21.64
	18.00%	$25.39	$22.81

APR	Monthly Payment
4.99%	$14.13

Disclosures

APR = Annual Percentage Rate. Monthly payment is 2.25% of the line amount with a minimum of $25.

Personal Line of Credit and Signature Loan include 0.50% discount with automatic payment from an active PFFCU Checking Account (S0004) or Savings Account (S0001) or distribution from a payroll check automatically deposited with PFFCU and is SUBJECT TO CHANGE WITHOUT NOTICE. The current prime rate is 7.75%, as of 11/18/2024.
Your rate will depend on your credit score at the time of application.
All payments quoted per $1,000 borrowed. Terms are based on 60 months unless otherwise noted. The 72-month Signature Loan has a $10,000 minimum loan requirement. The Pledge Loan is based on a term of 84 months. To get a monthly payment for a specific borrowed amount, multiply the per $1,000 payment factor by the number of thousand dollars borrowed. For example: If you borrow $10,000, multiply 10 by the monthly figure noted next to the specified loan product.

Credit Cards

Annual Percentage Rates (APRs) are effective as of January 14, 2025 and are subject to change.^{1 2}
Monthly payment is 2.50% of outstanding balance with a minimum of $10.

APR	How the Variable APR Is Calculated
13.65%	Prime + 5.9%
17.65%	Prime + 9.9%
18.00%	Prime + 14.65%

Disclosures

0% introductory ANNUAL PERCENTAGE RATE (APR) is effective for nine (9) months after account opening. Thereafter the APR for purchases, balance transfers, and cash advances will be a variable rate that may adjust monthly and will be the sum of an “Index” plus a “Margin.” The “Index” for any given month will be equal to the Prime Rate published in the Selected Interest Rates section of the Federal Reserve website at www.federalreserve.gov fifteen days prior to the beginning of each month. If the Selected Interest Rates section is not updated that day, we will select the rate on the next day it is updated. If the Index changes on or before this day in any given month, your APR and monthly periodic rate will change on your monthly periodic statement that is produced on or after the first day of the following month. On November 18, 2024, the applicable Prime Rate was 7.75%. The “Margin” is 5.9%, 9.9%, or 14.65%. Your APR thus equals the Prime Rate plus 5.9%, 9.9%, or 14.65%, with an APR of 13.65%, 17.65%, or 18.00%. The maximum APR that we may impose will not exceed that permitted to be charged by a federally chartered credit union, which at the time of this disclosure is 18.00%. The maximum rate on this card will change if the NCUA changes the maximum rate permitted. If the APR increases due to an increase in the Index, you may pay more in finance charges and it may take you longer to pay what you owe in full. To determine the full amount for which you qualify and assess your annual percentage rate, we will need to take a quick application and review your credit report which you authorize us to obtain. Your total combined PFFCU Visa Line of Credit, Personal Line of Credit, and Signature Loan balance cannot exceed $30,000. Offer is valid for PFFCU members who do not have a PFFCU Credit Card. No Reward Points will be given for Balance Transfers. Offer is subject to change or may be discontinued at any time without notice. For more details on how the Annual Percentage Rate, Index and Margin are determined, and the impact of any increase, please refer to the CREDIT LINE ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT. By using the card, you (including any permitted user) agree to be bound by the terms and conditions of the CREDIT LINE ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT, which you will receive if your application is approved.
Your rate will depend on your credit score at the time of application.