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 800.498.8930.

Auto Loan (New)

Effective Date: Tuesday, August 4, 2020

Auto Loan (New)

ProgramTermAPR*Monthly Payment Per $1,000 BorrowedApply
Model Years 2017-202036 Months 2.49%$28.86Apply Now
Model Years 2017-202048 Months2.59%$21.59Apply Now
Model Years 2017-202066 Months2.99%$16.45Apply Now
Model Years 2017-202075 Months3.49%$14.86Apply Now
Model Years 2017-202084** Months4.75%$14.02Apply 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 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. 
**Minimum loan amount of $25,000 with terms of 84 months.


Auto Loans (Used)

Effective Date: Tuesday, August 4, 2020

Auto Loans (Used)

ProgramTermAPR*Monthly Payment Per $1,000 BorrowedApply
Model Years 2015-201666 Months3.75%$16.79Apply Now
Model Years 2015-201675 Months4.49%$15.32Apply Now
Model Years 201466 Months3.99%$16.90Apply Now
Model Years 201472 Months5.25%$16.22Apply Now
Model Years 201348 Months4.49%$22.80Apply Now
Model Years 201366 Months5.49%$17.59Apply Now
Model Years 2011-201248 Months4.75%$22.92Apply Now
Model Years 2011-201260 Months5.99%$19.33Apply Now
Model Years 201048 Months5.75%$23.37Apply 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 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. 

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


Motorcycle Loans (New & Used)

Effective Date: Tuesday, August 4, 2020

Motorcycle Loans (New & Used)

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 720 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: Tuesday, August 4, 2020

Energy Loan

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. Advertised APR based on a credit score of 720 or higher. Other rates available based on creditworthiness. Maximum term is 48 months. Maximum amount of loan is $25,000. Please contact the Credit Union for full details on qualifying purchases.


Heating Loan

Effective Date: Tuesday, August 4, 2020

Heating Loan

ProductAPR* as low asMonthly Payment Per $1,000 Borrowed for 12 MonthsApply
Home Fuel Loan5.00%$85.61Apply 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.


Personal Loan

Effective Date: Tuesday, August 4, 2020

Personal Loan

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 and terms are available based on creditworthiness. Monthly payment is based on 24 month term.


Personal Line of Credit - Adjustable Rate

Effective Date: Tuesday, August 4, 2020

Personal Line of Credit - Adjustable Rate

ProductAPR* as low asMonthly Payment Per $1,000 BorrowedApply
Line of Credit6.75VariesApply 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