PHI FCU Rate Table

Loan Calculator

The results of this loan payment calculator are for comparison purposes only. They will be a close approximation of actual loan repayments if available at the terms entered, from a financial institution. This is being provided for you to plan your next loan application. To use, enter values for the Loan Amount, Number of Months for Loan, and the Interest Rate (e.g. 7.25), and click the Calculate button. Clicking the Reset button will clear entered values.

Description Data Entry
Loan Amount
Loan Length in Months
Interest Rate
Monthly PaymentCalculated
Enter only numeric values (no commas), using decimal points where needed.
Non-numeric values will cause errors.

PHIFCU Current Rates

Traditional Accounts
Share/Savings Accounts 0.05% APY* 0.05%
IRA Shares 0.05% APY* 0.05%
Club Accounts 0.05% APY* 0.05%
6 Months Certificate 0.10% APY* 0.101%
1 Year Certificate 0.20% APY* 0.201%
2 Year Certificate 0.30% APY* 0.301%


New Vehicle
Rating   Score   %Rate   Max Term   Loan to Value
A+ 730+ 3.24% 6 Years 100% LTV
A 680-729 3.74% 6 Years 100% LTV
B 640-679 4.74% 6 Years 100% LTV
C 600-639 6.79% 6 Years 90% LTV
D 550-599 8.79% 6 Years 85% LTV
E 549 or less 12.74% 6 Years 85% LTV

**new vehicle rates also apply to program vehicles**


New Vehicle- $50,000.00 and greater
Rating   Score   %Rate   Max Term   Loan to Value
A+ 730+ 4.24% 7 Years 100% LTV
A 680-729 4.74% 7 Years 100% LTV
B 640-679 5.74% 7 Years 100% LTV
C 600-639 7.74% 7 Years 90% LTV
D 550-599 9.79% 7 Years 85% LTV
E 549 or less 13.74% 7 Years 85% LTV

**new vehicle rates also apply to program vehicles**

Used Vehicle
Rating   Score   %Rate   Max Term   Loan to Value
A+ 730+ 3.24% 6 Years 100% LTV
A 680-729 3.74% 6 Years 100% LTV
B 640-679 4.74% 6 Years 100% LTV
C 600-639 6.74% 6 Years 90% LTV
D 550-599 8.74% 6 Years 85% LTV
E 549 or less 12.74% 6 Years 85% LTV


New Motorcycle, ATV, Etc
72 months (6 years)
Rating   Score   %Rate   Max Term   Loan to Value
A+ 730+ 3.74% 6 Years 100% LTV
A 680-729 4.24% 6 Years 100% LTV
B 640-679 5.24% 6 Years 100% LTV
C 600-639 8.24% 6 Years 90% LTV
D 550-559 10.74% 6 Years 85% LTV
E 549 or less 14.24% 6 Years 85% LTV


New Motorcycle, ATV, Etc
84 months (7 years)
Rating   Score   %Rate   Max Term   Loan to Value
A+ 730+ 4.24% 7 Years 100% LTV
A 680-729 4.74% 7 Years 100% LTV
B 640-679 5.74% 7 Years 100% LTV
C 600-639 8.74% 7 Years 90% LTV
D 550-559 10.74% 7 Years 85% LTV
E 549 or less 14.74% 7 Years 85% LTV


New Motorcycle, ATV, Etc
96 months (8 years)
Rating   Score   %Rate   Max Term   Loan to Value
A+ 730+ 4.74% 8 Years 100% LTV
A 680-729 5.24% 8 Years 100% LTV
B 640-679 6.24% 8 Years 100% LTV
C 600-639 9.24% 8 Years 90% LTV
D 550-559 11.24% 8 Years 85% LTV
E 549 or less 15.24% 8 Years 85% LTV


Used Motorcycle, ATV, Etc
72 months (6 years)
Rating   Score   %Rate   Max Term   Loan to Value
A+ 730+ 3.74% 6 Years 100% LTV
A 680-729 4.74% 6 Years 100% LTV
B 640-679 5.74% 6 Years 100% LTV
C 600-639 8.74% 6 Years 90% LTV
D 550-559 10.74% 6 Years 85% LTV
E 549 or less 14.74% 6 Years 85% LTV


Used Motorcycle, ATV, Etc
84 months (7 years)
Rating   Score   %Rate   Max Term   Loan to Value
A+ 730+ 4.74% 7 Years 100% LTV
A 680-729 5.24% 7 Years 100% LTV
B 640-679 6.24% 7 Years 100% LTV
C 600-639 9.24% 7 Years 90% LTV
D 550-559 11.24% 7 Years 85% LTV
E 549 or less 15.24% 7 Years 85% LTV


Used Motorcycle, ATV, Etc
96 months (8 years)
Rating   Score   %Rate   Max Term   Loan to Value
A+ 730+ 5.24% 8 Years 100% LTV
A 680-729 5.74% 8 Years 100% LTV
B 640-679 6.74% 8 Years 100% LTV
C 600-639 9.74% 8 Years 90% LTV
D 550-559 11.74% 8 Years 85% LTV
E 549 or less 15.74% 8 Years 85% LTV
New and Used Boats (0 - $24,999.99) (72 Months)(6 Years)
Rating   Score   %Rate   Max Term   Loan to Value
A+ 730+ 3.74% 6 Years 100% LTV
A 680-729 4.24% 6 Years 100% LTV
B 640-679 5.24% 6 Years 100% LTV
C 600-639 8.15% 6 Years 90% LTV
D 550-559 10.24% 6 Years 85% LTV
E 549 or less 14.24% 6 Years 85% LTV


New and Used Boats (0- $24,999.99) (84 months) (7 years)
Rating   Score   %Rate   Max Term   Loan to Value
A+ 730+ 4.24% 7 Years 100% LTV
A 680-729 4.74% 7 Years 100% LTV
B 640-679 5.74% 7 Years 100% LTV
C 600-639 8.74% 7 Years 90% LTV
D 550-559 10.24% 7 Years 85% LTV
E 549or less 14.74% 7 Years 85% LTV


New and Used Boats   96 Months (8 years)
Rating   Score   %Rate   Max Term   Loan to Value
A+ 730+ 4.24% 8 Years 100% LTV
A 680-729 4.74% 8 Years 100% LTV
B 640-679 5.74% 8 Years 100% LTV
C 600-639 8.74% 8 Years 90% LTV
D 550-559 10.24% 8 Years 85% LTV
E 549or less 14.74% 8 Years 85% LTV


New and Used Boats ($25,000.00and greater)  (10 years)
Rating   Score   %Rate   Max Term   Loan to Value
A+ 730+ 5.24% 10 Years 100% LTV
A 680-729 5.74% 10 Years 100% LTV
B 640-679 6.74% 10 Years 100% LTV
C 600-639 9.74% 10 Years 90% LTV
D 550-559 11.74% 10 Years 85% LTV
E 549 or less 15.74% 10 Years 85% LTV

New  & Used Camper, RV, Etc (0- $24,999.99) (72 months)(6 years)
Rating   Score   %Rate   Max Term   Loan to Value
A+ 730+ 4.24% 6 Years 100% LTV
A 680-729 4.74% 6 Years 100% LTV
B 640-679 5.74% 6 Years 100% LTV
C 600-639 8.74% 6 Years 90% LTV
D 550-559 10.74% 6 Years 85% LTV
E 549 or less 14.74% 6 Years 85% LTV


New  & Used Camper, RV, Etc (0- $24,999.99) (84 months)(7 years)
Rating   Score   %Rate   Max Term   Loan to Value
A+ 730+ 4.74% 7 Years 100% LTV
A 680-729 5.24% 7 Years 100% LTV
B 640-679 6.24% 7 Years 100% LTV
C 600-639 9.24% 7 Years 90% LTV
D 550-559 11.24% 7 Years 85% LTV
E 549 or less 15.24% 7 Years 85% LTV


New  & Used Camper, RV, Etc (0- $24,999.99) (96 months)(8 years)
Rating   Score   %Rate   Max Term   Loan to Value
A+ 730+ 5.24% 8 Years 100% LTV
A 680-729 5.74% 8 Years 100% LTV
B 640-679 6.74% 8 Years 100% LTV
C 600-639 9.74% 8 Years 90% LTV
D 550-559 11.74% 8 Years 85% LTV
E 549 or less 15.74% 8 Years 85% LTV


New  & Used Camper, RV, Etc ( $25.000 -49,999.99) (120 months)(10 years)
Rating   Score   %Rate   Max Term   Loan to Value
A+ 730+ 5.744% 10 Years 100% LTV
A 680-729 6.24% 10 Years 100% LTV
B 640-679 7.24% 10 Years 100% LTV
C 600-639 10.24% 10 Years 90% LTV
D 550-559 12.24% 10 Years 85% LTV
E 549 or less 16.24% 10 Years 85% LTV

Unsecured Loans
Rating   Score   %Rate   Max Term   Max Loan
A+ 730+ 9.00% 5 Years $15,000
A 680-729 9.50% 5 Years $15,000
B 640-679 10.0% 5 Years $15,000
C 600-639 12.5% 3 Years $8,000
D 550-559 14.5% 3 Years $5,000
E 549 or less 17.5% 3 Years $5,000


Shared and CD Secured
2% above share/CD available balance
with a floor of 3%
  5 years   Available Balance

*With approved credit. Rates are based on credit rating and other factors.

All interest rates are subject to change without notice.

Credit Card Access

Use the following link to be taken to the credit card access portal. Pay your bill and more.

https://www.ezcardinfo.com

Online Banking

24 hour access to all your account information.

https://www.financial-net.com/phifcu

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