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Consumer Loan Rates

People's Credit Union makes borrowing money, for everything from a new car to a college education, easy and affordable.  If you have a request for a specific type of loan please feel free to contact us at 401.848.2700.

Need a loan? You can apply online!

Rates are subject to change without notice.

Car Loans

Effective: April 1, 2008

Program

 Term

APR*

Monthly Payments per $1000 borrowed

Model Years 2007-2008**

 
72 months


6.24%

     
     $16.69

Used Car Years
2002-2006


72 months

6.24%

$16.69


*Annual Percentage Rate (APR) subject to change without notice.

Advertised APR is based on a credit score of 750 or higher and a .50% discount with automatic payment from a People's Credit Union Checking Account and a maximum loan-to-value (LTV) of 120%. Other rates available based on creditworthiness. Monthly payment is advertised for the full term of the loan.

**APR is based on a credit score of 680 or higher.

Energy Loan

Effective: March 21, 2008

Program

APR
as low as*

Monthly Payments per $1000 borrowed

Energy Loan

 7.00%

$23.95


* Annual Percentage Rate (APR) subject to change without notice. Rate shown is lowest available based on credit. Other rates available based on creditworthiness. Maximum term is 48 months. Maximum amount of loan $25,000. Monthly payment of $23.95 on $1,000 borrowed for 48 months. Purchases eligible for loan include furnaces, water heaters, windows, all Energy Star appliances and more. Visit branch or call for full details on qualifying purchases.

Home Fuel Loan

Effective: March 21, 2008

Program

APR*

Monthly Payments per $1000 borrowed

Home Fuel Loan

8.00%

$86.99


*Maximum loan amount $1,200. Maximum term is 12 months. Monthly payment of $86.99 on $1,000 borrowed for 12 months.

Personal Loan

Effective: March 21, 2008

Program

APR
as low as*

Monthly Payments per $1000 borrowed

Any Purpose Loan

 9.49%

$32.03


*Annual Percentage Rate (APR) subject to change without notice. Advertised APR is based on a credit score of 750 or higher and a .50% discount with automatic payment from a People's Credit Union Checking Account. Other rates available based on creditworthiness. Monthly payment is based on 36 month term.

Personal Line of Credit - Adjustable Rate

Effective: March 21, 2008

Program

APR
as low as*

Monthly Payments per $1000 borrowed

Line of Credit

8.75%

$9.69


*Annual Percentage Rate (APR) subject to change without notice and is the lowest rate available, based on credit. Other rates available based on creditworthiness. Maximum amount of line: $25,000.