New or Used Motor homes, campers, travel trailers, boats
Not older than 10 years Max Term for $30,000 10 years Max Term for above $30,000 15 years
Range
Grade
Rate
730
A+
7.49%
6.680-729
A
7.99%
640-679
B
8.24%
600-639
C
10.99%
550-599
D
13.99%
549-LESS
E
14.99%
Other Secured – New or Used Snowmobiles, jet skis, ATVs, tractors, vehicles with salvaged titles, Classic cars etc (Need to collect funds for Title or UCC fees)
Note: Vehicles with salvaged and rebuilt titles max 50% NADA Clean Retail
Range
Grade
Rate
730
A+
7.99%
6.680-729
A
8.99%
640-679
B
9.99%
600-639
C
10.99%
550-599
D
13.99%
549-LESS
E
15.99%
Personal Unsecured
Max Term 48 months
Range
Grade
Rate
Max Line
730
A+
10.49%
$20,000
6.680-729
A
10.74%
$20,000
640-679
B
10.99%
$20,000
600-639
C
12.49%
$10,000
550-599
D
13.49%
$1,500
549-LESS
E
15.49%
$1,000
Unsecured Line of Credit
Range
Grade
Rate
Max Line
730
A+
13.00%
$10,000
6.680-729
A
13.00%
$9,000
640-679
B
13.00%
$7,000
600-639
C
13.00%
$5,000
550-599
D
15.00%
$750
549-LESS
E
18.00%
$500
Non-Risk Loans
Shared and CD Secured Loans
4.00% above rate of offered security
Home Equity Lines of Credit
Prime + 0%
Quick/Emergency Loan
Max Term: 6 Month
Range
Grade
Rate
Max Limit
ALL
ALL
14.00%
$1,000 W/DD & Auto Payment
ALL
ALL
14.00%
$750 W/O DD & Auto Payment
Quick/Emergency Loan
Max Term: 12 Month
Range
Grade
Rate
Max Limit
ALL
ALL
15.00%
$1,000 W/DD & Auto Payment
ALL
ALL
15.00%
$750 W/O DD & Auto Payment
Mobile Home
In Park
Range
Rate
Term
Max Limit
2018-2023 M.H. IN PARK
6.99%
180 Months
Up to 80% LTV
2011-2017 M.H IN PARK
8.99%
180 Months
UP TO 80% LTV
IF LTV <50 % 1.00% RATE DISCOUNT
2003-2010 M.H IN PARK
9.99%
180 Months
UP TO 80% LTV
IF LTV <50 % 1.00% RATE DISCOUNT
1977-2002 M.H IN PARK
10.99%
180 Months
UP TO 80% LTV
IF LTV <50 % 1.00% RATE DISCOUNT
Mobile Home – On Land
180 months 8.00%
Land Loan
8.00%
Dividend Rates
Effective June 2, 2023
Share Type
Minimum Balance
Annual Dividend Rate
Annual Percentage Yield (APY)
Compounding Term
Regular, Trust, Escrow, Sub-Accounts
($5 to 2,499.99)
.01%
.01%
Monthly
Regular, Trust, Escrow, Sub-Accounts
($2,500 to $9,999.99)
.01%
.01%
Monthly
Regular, Trust, Escrow, Sub-Accounts
($10,000 to $24,999.99)
.01%
.01%
Monthly
Regular, Trust, Escrow, Sub-Accounts
($25,000 to $49,999.99)
.05%
.05%
Monthly
Regular, Trust, Escrow, Sub-Accounts
($50,000 & over)
.05%
.05%
Monthly
Christmas & Vacation Clubs
.01%
.01%
Monthly
Share Draft
$0 to $499.99
.00%
.00%
Monthly
Share Draft
$500 to $2,499.99
.00%
.00%
Monthly
Share Draft
$2,500 to $4,999.99
.00%
.00%
Monthly
Share Draft
$5,000 & over
.00%
.00%
Monthly
IRA (includes Roth & Traditional)
.50%
.50%
Monthly
Dividends are calculated on the average daily balance method.
All Share accounts are variable rate accounts.
PCU reserves the right to change dividend rates without notice.
Dividends are declared from available earnings and are not guaranteed.
Contact PCU staff at 603.355.4527 for information on applicable terms and fees.
PRECISION CREDIT UNION IS FEDERALLY INSURED BY NCUA (NATIONAL CREDIT UNION ADMINISTRATION), A US GOVERNMENT AGENCY.
