Rates effective as of November 14, 2024.

Vehicle Loans

Up to 130% LTV (LTV based on NADA retail or MSRP)

	
				Term
				APR*
			
				Up to 36 months
				As low as 5.44%
			
				Up to 48 months
				As low as 5.69%
			
				Up to 60 months
				As low as 6.09%
			
				Up to 72 months
				As low as 6.19%
			
				Up to 84 months*
				As low as 6.59%
			
*84 months term must be $20,000 min amount financed and only on 5-year-old or newer
Maximum mileage: 125,000 for gas engines and 175,000 for diesel engines.
The above published rates can vary based on the age of the collateral, credit worthiness, loan-to-value, and length of loan. Rates include a 0.50% rate discount for automatic payments out of a PALCO FCU deposit account.

RV, Powersports, & Other Titled Vehicles

Up to 110% LTV (LTV based on NADA retail or MSRP)

	
				Term
				APR*
			
				Up to 36 months
				As low as 5.99%
			
				Up to 48 months
				As low as 6.49%
			
				Up to 60 months
				As low as 6.99%
			
				Up to 72 months
				As low as 7.09%
			
				Up to 84 months*
				As low as 7.49%
			
				Up to 96 months**
				As low as 8.49%
			
				Up to 120 months**
				As low as 8.99%
			
*84 months term must be $20,000 min amount financed
**96 and 120 months term must be $40,000 min amount financed
Maximum mileage: 75,000 for gas engines and 100,000 for diesel engines.
The above published rates can vary based on the age of the collateral, credit worthiness, loan-to-value, and length of loan. Rates include a 0.50% rate discount for automatic payments out of a PALCO FCU deposit account.

Personal Loan**

	
				Term
				APR*
			
				Up to 60 months
				As low as 8.99%

Personal Line of Credit**

Rate Based on WSJ Prime Rate as of November 13, 2024

	
				Limit
				APR*
			
				$10,000
				As low as 9.00%

Visa® Classic Credit Card**

	
				Term
				APR*
			
				Fixed APR
				10.90%

Visa® Rewards Credit Card**

	
				Term
				APR*
			
				Fixed APR
				15.90%

Home Equity Line of Credit

Rate based on WSJ Prime Rate as of November 13, 2024

	
				Limit
				APR*
			
				$200,000; Max LTV: 80%
				As low as 6.50%

Home Equity Loan

Limit $200,000 - Max LTV: 80%

	
				Term
				APR*
			
				5 years or less
				As low as 4.99%
			
				Up to 7 years
				As low as 5.29%
			
				Up to 10 years
				As low as 5.79%
			
				Up to 15 years
				As low as 5.99%

Share Secured

Held against funds in the account

	
				Term
				APR*
			
months
00%
			
months
00%
			
months
00%

Holiday Helper Loan

Only Available 10/1/2024 - 1/31/2025

	
				Term
				APR*
			
				12 months
				As low as 10.29%

Certificate Secured

Held against share certificate with renewal agreement

	
				Term
				APR*
			
				Term Negotiable
				2.00%

*Annual Percentage Rate. Loan Rates are subject to change at any time. Loan limits exclude Dept Protection (DP), Mechanical Repair Coverage (MRC) and Guaranteed Asset Protection Insurance (GAP). Advertised rates are based on creditworthiness, loan to value, requested terms and include a .50% rate discount for automatic payments out of an active PALCO draft account for vehicle and powersport loans.

**Combination of all unsecured loans cannot exceed a total of $25,000

LOAN RATES