Loan Rates

Relationship Pricing on Home Equity Loans, signature, auto, & motorcycle loans

Your relationship is important to us, so you can receive an additional 0.25% off any posted loan rate (up to 1.25%) for EACH of the following utilized services or qualifications:

• Checking account

• Payroll deduction or automatic payments

• Credit Card

• Legacy Members: age 60 and up

• Member Loyalty: 10 or more years of membership

We want to thank you for using our products and services, so please take advantage of relationship pricing! Through this member loyalty program, you're able to get a lower loan rate, save money, and create a brighter future for you and your family! You can see the rates listed below with and without our relationship pricing.

Home Equity Loans

2nd lien options also available; for rates, see a representative. (Note: Estimated payment excludes taxes and insurance. Your payment may be higher.)

Signature Loans

Auto Loans

Rate is based on vehicles that are 5 model years or newer with less than 150,000 miles. Rate is subject to change if the vehicle falls outside of these guidelines, or if the vehicle has a rebuilt title.

Motorcycle Loans

Other rates and terms available.

Home Equity Line of Credit (HELOC)+

Credit Cards

Share Secured

PAL Loan

* Application subject to approval. All loans subject to normal underwriting guidelines. Rates and terms shown may change without prior notice; additional rates and terms may be available. Contact the Credit Union for the most current rates. Rates effective as of 11/03/2025.

** APR shown for well-qualified members. APR is based on credit; your rate and payment may vary. Payment example excludes taxes and insurance. Actual payments may be higher. Property insurance required for life of loan; flood insurance my be required. Second lien position loans also available, contact the Credit Union for rates.

*** Credit Cards: Cardholders are subject to a foreign transaction fee for any transaction completed by any means with a person or business located outside of the U. S. including transactions effected while the cardholder is physically in the U. S. at the time of the transaction.

+Home Equity Line of Credit: APR = Annual Percentage Rate. Some fees to open may apply, will vary based on property and location and could range from $607.00-$1,123.00. Property insurance may be required. Rates are subject to change without notice. Rates shown are “as low as”. The rate applicable for each borrower will be based on their individual creditworthiness.  All loan approvals are subject to normal underwriting guidelines.  Loan must be secured by primary residence, which must be owner-occupied.  Property must be owner occupied and primary residence located in Pennsylvania. The consumer should consult a tax adviser for further information regarding the deductibility of interest and charges. The variable rate will be indexed as low as Prime Rate minus 0.50%, based on creditworthiness and loan-to-value, with a floor of 3.25% APR. The maximum variable rate that may be imposed is 18%. The index used to determine the APR will be the Prime Rate found in the Money Rates Section of the Wall Street Journal published on the first working day of the month; We will use the most recent index value available to us as of 30 days before the rate adjustment. The APR will then be adjusted quarterly in January, April, July, and October, and effective on the first day of the same month.  Minimum loan amount $10,000.00