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 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.

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

Credit Card Access

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https://www.ezcardinfo.com

Online Banking

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

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