PHI FCU Rate Table

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 APY Max Term Loan to Value
A+ 730+ 2.99% 2.99% 6 Years 100% LTV
A 680-729 3.49% 3.49% 6 Years 100% LTV
B 640-679 4.49% 4.49% 6 Years 100% LTV
C 600-639 6.49% 6.49% 6 Years 90% LTV
D 550-599 8.49% 8.49% 6 Years 85% LTV
E below 549 12.49% 12.49% 6 Years 85% LTV

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


Used Vehicle
Rating Score %Rate APY Max Term Loan to Value
A+ 730+ 2.99% 2.99% 6 Years 100% LTV
A 680-729 3.49% 3.49% 6 Years 100% LTV
B 640-679 4.49% 4.49% 6 Years 100% LTV
C 600-639 6.49% 6.49% 6 Years 90% LTV
D 550-599 8.49% 8.49% 6 Years 85% LTV
E below 549 12.49% 12.49% 6 Years 85% LTV


New Motorcycle, ATV, Etc
Rating Score %Rate APY Max Term Loan to Value
A+ 730+ 3.49% 3.49% 8 Years 100% LTV
A 680-729 3.99% 3.99% 8 Years 100% LTV
B 640-679 4.99% 4.99% 8 Years 100% LTV
C 600-639 6.49% 6.49% 8 Years 90% LTV
D 550-559 8.49% 8.49% 6 Years 85% LTV
E below 549 12.49% 12.49% 6 Years 85% LTV


Used Motorcycle, ATV, Etc
Rating Score %Rate APY Max Term Loan to Value
A+ 730+ 3.49% 3.49% 8 Years 100% LTV
A 680-729 3.99% 3.99% 8 Years 100% LTV
B 640-679 4.99% 4.99% 8 Years 100% LTV
C 600-639 7.99% 7.99% 8 Years 90% LTV
D 550-559 9.99% 9.99% 6 Years 85% LTV
E below 549 13.99% 13.99% 6 Years 85% LTV
New and Used Boats (Up to $24,999)
Rating Score %Rate APY Max Term Loan to Value
A+ 730+ 3.49% 3.49% 8 Years 100% LTV
A 680-729 3.99% 3.99% 8 Years 100% LTV
B 640-679 4.99% 4.99% 8 Years 100% LTV
C 600-639 7.99% 7.99% 8 Years 90% LTV
D 550-559 9.99% 9.99% 6 Years 85% LTV
E below 549 13.99% 13.99% 6 Years 85% LTV


New and Used Boats (over $24,999)
Rating Score %Rate APY Max Term Loan to Value
A+ 730+ 3.49% 3.49% 10 Years 100% LTV
A 680-729 3.99% 3.99% 10 Years 100% LTV
B 640-679 4.99% 4.99% 10 Years 100% LTV
C 600-639 7.99% 7.99% 10 Years 90% LTV
D 550-559 9.99% 9.99% 8 Years 85% LTV
E below 549 13.99% 13.99% 8 Years 85% LTV


New Camper, RV, Etc (up to $24,999)
Rating Score %Rate APY Max Term Loan to Value
A+ 730+ 3.99% 3.99% 8 Years 100% LTV
A 680-729 4.49% 4.49% 8 Years 100% LTV
B 640-679 5.49% 5.49% 8 Years 100% LTV
C 600-639 8.49% 8.49% 8 Years 90% LTV
D 550-559 10.49% 10.49% 6 Years 85% LTV
E below 549 14.49% 14.49% 6 Years 85% LTV


Used Camper, RV, Etc (over $24,999)
Rating Score %Rate APY Max Term Loan to Value
A+ 730+ 3.99% 3.99% 12 Years 100% LTV
A 680-729 4.49% 4.49% 12 Years 100% LTV
B 640-679 5.49% 5.49% 12 Years 100% LTV
C 600-639 8.49% 8.49% 12 Years 90% LTV
D 550-559 10.49% 10.49% 10 Years 85% LTV
E below 549 14.49% 14.49% 10 Years 85% LTV


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

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

Effective January 1, 2015. All interest rates are subject to change without notice.

Credit Card Access

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https://www.ezcardinfo.com

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

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