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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: Sunday, January 20, 2019

ProgramTermAPR*Monthly Payment Per $1,000 BorrowedApply
Model Years (New Purchase Only) 2018-201960 Months3.49%$18.19Apply Now
Model Years (New Purchase Only) 2018-201972 Months3.99%$15.64Apply Now
Model Years (New Purchase Only) 2018-201984** Months5.25%$14.25Apply 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: Sunday, January 20, 2019

ProgramTermAPR*Monthly Payment Per $1,000 BorrowedApply
Model Years (Used Purchase Only) 2016-201760 Months4.24%$18.53Apply Now
Model Years (Used Purchase Only) 2014-201560 Months4.99%$18.87Apply Now
Model Years (Used Purchase Only) 201360 Months4.99%$18.87Apply Now
Model Years (Used Purchase Only) 201248 Months5.49%$23.25Apply 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: Sunday, January 20, 2019

ProgramTermAPR*Monthly Payment Per $1,000 BorrowedApply
Model Years 2014-201960 Months5.99%$19.33Apply Now
Model Years 2014-201972 Months7.49%$17.29Apply Now
Model Years 2009-201348 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: Sunday, January 20, 2019

ProductAPR* as low asMonthly Payment per $1,000 Borrowed for 48 MonthsApply
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: Sunday, January 20, 2019

Product APR* as low as Monthly Payment Per $1,000 Borrowed for 12 Months Apply
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: Sunday, January 20, 2019

ProductAPR* as low asMonthly Payment Per $1,000 Borrowed for 24 MonthsApply
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: Sunday, January 20, 2019

ProductAPR* as low asMonthly Payment Per $1,000 BorrowedApply
Line of Credit8.50%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