EFFECTIVE OCTOBER 1, 2026
All quoted rates require direct deposit, All rates are annual percentage rates
New Auto and Motor Cycle 2026-2027
| Credit Score | Term | APR* |
|---|---|---|
| 700 or more | 60 months or less | 4.00% |
| - | 61 months to 72 months | 5.00% |
| 650 - 699 | 60 months or less | 6.24% |
| - | 61 months to 72 months | 7.24% |
| 600 - 649 | 60 months or less | 8.24% |
| - | 61 months to 72 months | 9.24% |
| 599 and below | 60 months or less | 10.24% |
| - | 61 months to 72 months | 11.24% |
* Annual Percentage Rate
Used Auto and Motor Cycle 2024-2025, max term 60 months
| Credit Score | Term | APR* |
|---|---|---|
| 700 or more | 60 months | 6.24% |
| 650 - 699 | 60 months | 7.24% |
| 600 - 649 | 60 months | 8.24% |
| 599 and below | 60 months | 9.24% |
* Annual Percentage Rate
Used Auto 2021-2023, max term 48 months
| Credit Score | Term | APR* |
|---|---|---|
| 700 or more | 48 months | 8.24% |
| 650 - 699 | 48 months | 9.24% |
| 600 - 649 | 48 months | 10.24% |
| 599 and below | 48 months | 11.24% |
* Annual Percentage Rate
Auto older than 2021, max term 48 months
| Term | APR* |
|---|---|
| 48 months | 12.24% |
* Annual Percentage Rate
Classic Car up to 48 months (car must be over 25 years old)
| Term | APR* |
|---|---|
| 48 months | 6.25% |
* Annual Percentage Rate
Recreational Vehicles with titles
| Type | Term | APR* |
|---|---|---|
| New RVs 2026-2027 under $25,000.00 | up to 60 months | 8.00% |
| New RVs 2026-2027 over $25,000.00 | up to 10 years | 8.75% |
| Used RVs | up to 60 months | 10.00% |
* Annual Percentage Rate
Boats
| Type | Term | APR* |
|---|---|---|
| New Boats 2026-2027 under $25,000.00 | up to 60 months | 8.00% |
| New Boats 2026-2027 over $25,000.00 | up to 10 years | 8.75% |
| Used Boats | up to 60 months | 10.00% |
* Annual Percentage Rate
**When a member has been approved for an Auto Loan, RV or Boat Loan by Public Service Federal Credit Union, the rate that was quoted at the time of approval, shall remain in effect for 30 calendar days. After 30 days, the Auto Loan rate shall be subject to any changes that may be in effect. **
All unsecured loans with a credit score of 750 or more can qualify to borrow up to $20,000.00 at the following rates:
| Term | APR* | |
|---|---|---|
| One year | 7.99% | |
| Two years | 8.99% | |
| Three years | 9.99% | |
| Four Years (only for loans over $5,000.00) | 10.99% | |
| Five Years (only for loans over $10,000.00) | 11.99% | |
| Six Years (only for loans over $15,000.00) | 12.99% |
* Annual Percentage Rate
All unsecured loans with a credit score of 700 - 749 can qualify to borrow up to $15,000.00 at the following rates:
| Term | APR* | |
|---|---|---|
| One year | 8.99% | |
| Two years | 9.99% | |
| Three years | 10.99% | |
| Four Years (only for loans over $5,000.00) | 11.99% | |
| Five Years (only for loans over $10,000.00) | 12.99% |
* Annual Percentage Rate
All unsecured loans with a credit score of 650 - 699 can qualify to borrow up to $10,000.00 at the following rates:
| Term | APR* | |
|---|---|---|
| One year | 12.49% | |
| Two years | 13.49% | |
| Three years | 14.49% | |
| Four Years (only for loans over $5,000.00) | 15.49% |
* Annual Percentage Rate
All unsecured loans with a credit score of 600 - 649 can qualify to borrow up to $5,000.00 at the following rates:
| Term | APR* | |
|---|---|---|
| One year | 12.99% | |
| Two years | 13.99% | |
| Three years | 14.99% |
* Annual Percentage Rate
All unsecured loans with a credit score of 599 and lower can qualify to borrow up to $5,000.00 at the following rates:
| Term | APR* | |
|---|---|---|
| One year | 15.99% | |
| Two years | 16.99% | |
| Three years | 17.99% |
* Annual Percentage Rate
All unsecured loans require 10% of the amount being borrowed to be secured in a share account. Refinancing of existing loans will be done at the new rate.
Open End Loans
| Credit Score | APR* |
|---|---|
| 700 or more | 10.00% |
| 650 - 699 | 12.00% |
| 600 - 649 | 14.00% |
| 549 - 599 | 16.00% |
| 549 and below | 18.00% |
* Annual Percentage Rate
Minimum loan advance $200.00.
Maximum amount for open end loan $15,000.00 ***** IF QUALIFIED ****
Share Back Loans - 1.75% higher than the highest dividend paid on Money Market accounts. Up to 10 years