phbcu logo small

Loan Rates

Rates are posted as a convenience to our members in making financial decisions.  Loan rates are effective February 21, 2019 and are subject to change without notice. All rates and terms are subject to credit approval. Contact the credit union office for terms & details or if you need further information.

New Auto Rates
Term Annual Percentage Rate (APR)
0-24 months 2.65%
25-60 months 3.00%
61-84 months 3.50%
   
   
Used Auto Rates
Model year 2021 - 2018
Term Annual Percentage Rate (APR)
0-24 months 2.75%
25-60 months 3.10%
61-84 month 3.65%
   
Used Auto Rates
Model year 2017 - 2013
Term Annual Percentage Rate (APR)
0-24 months 2.85%
25-60months 3.50%
61-84 months 3.75%
   
Used Auto Rates
Model year 2012 - 2010
Term Annual Percentage Rate (APR)
0-24 months 3.25%
25-60 months 4.00%
61-84 months  4.25%
Used Auto Rates
Model year 2009 - Older
Term Annual Percentage Rate (APR)
0-24 months 4.75%
25-60 months 5.75%
   
 
Other Loan Rates
Type Annual Percentage Rate (APR)
Share Secured 2.95%
Credit Line 10%
Personal Loan & Co-signer 8%
VISA Credit Card 9%, 13%, 18%

Please be advised that PHB Employees FCU strives to maintain its website with the most current rate information available, however PHB Employees FCU makes no guarantees and assumes no liability for any errors contained herein or for failure to update information on the website. Please contact our office for the most current rate information.