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Personal & Auto Loan Rates

People’s Credit Union makes reaching your financial goals easy and affordable. We are proud to offer local service, local decisions and low rates. If you have a request for a specific type of loan please feel free to contact us at 401.846.8930.

Auto Loan (New)

Effective Date: Thursday, May 24, 2018

ProgramTermAPR*Monthly Payment Per $1,000 Borrowed
Model Years (New Purchase Only) 2017-201860 Months3.25%$18.08Apply Now
Model Years (New Purchase Only) 2017-201872 Months3.49%$15.41Apply Now
Model Years (New Purchase Only) 2017-201884** Months4.25%$13.78Apply Now

Interest Rates are subject to change without notice.

* Annual Percentage Rate (APR) subject to change without notice. Advertised APR is based on a credit score of 750 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. New loans only.

**Minimum loan amount of $25,000 with terms of 84 months.


Auto Loans (Used)

Effective Date: Thursday, May 24, 2018

ProgramTermAPR*Monthly Payment Per $1,000 Borrowed
Model Years (Used Purchase Only) 2015-201660 Months3.74%$18.30Apply Now
Model Years (Used Purchase Only) 2013-201460 Months4.74%$18.75Apply Now
Model Years (Used Purchase Only) 201260 Months4.99%$18.87Apply Now
Model Years (Used Purchase Only) 201148 Months4.74%$22.91Apply Now

Interest Rates are subject to change without notice.

* Annual Percentage Rate (APR) subject to change without notice. Advertised APR is based on a credit score of 750 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. New loans only.

**Minimum loan amount of $25,000 with terms of 84 months.


Motorcycle Loans (New & Used)

Effective Date: Thursday, May 24, 2018

ProgramTermAPR*Monthly Payment Per $1,000 Borrowed
Model Years 2013-201860 Months5.99%$19.33Apply Now
Model Years 2013-201872 Months7.49%$17.29Apply Now
Model Years 2008-201248 Months7.99%$24.41Apply Now

 Interest Rates are subject to change without notice.

* Annual Percentage Rate (APR) subject to change without notice. Advertised APR is based on a credit score of 750 and a maximum Loan-To-Value (LTV) of 100%. Other rates available based on creditworthiness. Monthly payment is advertised for the full term of the loan. New loans only.


Energy Loan

Effective Date: Thursday, May 24, 2018

APR* as low asMonthly Payment per $1,000 Borrowed for 48 Months
Energy Loan7.99%$24.41Apply Now

Interest Rates are subject to change without notice.

* 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 is $25,000. Monthly payment of $24.41 on $1,000 borrowed for 48 months. Please contact the Credit Union for full details on qualifying purchases.


Heating Loan

Effective Date: Thursday, May 24, 2018

APR* as low as Monthly Payment Per $1,000 Borrowed for 12 Months
Home Fuel Loan 5.00% $85.61 Apply Now

 Interest Rates are subject to change without notice.

* Annual Percentage Rate (APR) subject to change without notice. Rate shown is lowest available based on credit. Other rates available based on creditworthiness. Maximum loan amount $2,500. Maximum term is 12 months. Monthly payment of $85.61 on $1,000 borrowed for 12 months.


Personal Loan

Effective Date: Thursday, May 24, 2018

APR* as low asMonthly Payment Per $1,000 Borrowed for 24 Months
Any Purpose Loan9.99%$46.14Apply Now

 Interest Rates are subject to change without notice.

* Annual Percentage Rate (APR) subject to change without notice. Advertised APR is based on a credit score of 720 or higher. Other rates available based on creditworthiness. Monthly payment is based on 24 month term.


Personal Line of Credit - Adjustable Rate

Effective Date: Thursday, May 24, 2018

APR* as low asMonthly Payment Per $1,000 Borrowed
Line of Credit8.00%VariesApply Now

 Interest Rates are subject to change without notice.

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