Our Rates
Avoid the Financing Gauntlet
Having your own financing ahead of time, allows you to skip the lengthy dealer credit application process and avoid high-pressure sales for unnecessary add-ons.
Loan Rates
Effective April 27, 2026
Vehicle Rates
2022-2026
| Credit Range | Grade | 48M | 60-84M |
|---|---|---|---|
| 730+ | A+ | 4.74% | 5.49% |
| 680-729 | A | 4.74% | 5.49% |
| 640-679 | B | 6.24% | 7.49% |
| 600-639 | C | 8.49% | 8.74% |
| 550-599 | D | 12.49% | 12.99% |
| 549-LESS | E | 15.49% | 16.24% |
Vehicle Rates
2019-2021
| Credit Range | Grade | 60M | 72-84M |
|---|---|---|---|
| 730+ | A+ | 6.99% | 7.99% |
| 680-729 | A | 7.74% | 8.24% |
| 640-679 | B | 8.24% | 9.24% |
| 600-639 | C | 8.49% | 9.49% |
| 550-599 | D | 12.74% | 13.49% |
| 549-LESS | E | 15.49% | 16.24% |
Vehicle Rates
2016-2018
| Credit Range | Grade | Rate |
|---|---|---|
| 730+ | A+ | 9.24% |
| 680-729 | A | 9.49% |
| 640-679 | B | 10.49% |
| 600-639 | C | 10.99% |
| 550-599 | D | 14.49% |
| 549-LESS | E | 16.49% |
New/Used Motorcycle Rates
(Not older than 10 years) Up to 60 Months
| Credit Range | Grade | Rate |
|---|---|---|
| 730+ | A+ | 7.99% |
| 680-729 | A | 8.49% |
| 640-679 | B | 8.74% |
| 600-639 | C | 11.49% |
| 550-599 | D | 14.49% |
| 549-LESS | E | 15.74% |
New or Used Motor homes, campers, travel trailers, boats
Collateral less than 10 years old
Max Term for $30,000 10 years
Max Term for above $30,000 15 years
| Credit Range | Grade | Rate |
|---|---|---|
| 730+ | A+ | 7.99% |
| 680-729 | A | 8.49% |
| 640-679 | B | 8.79% |
| 600-639 | C | 11.49% |
| 550-599 | D | 14.49% |
| 549-LESS | E | 15.49% |
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
| Credit Range | Grade | Rate |
|---|---|---|
| 730+ | A+ | 9.49% |
| 680-729 | A | 10.49% |
| 640-679 | B | 11.49% |
| 600-639 | C | 12.49% |
| 550-599 | D | 15.49% |
| 549-LESS | E | 17.49% |
Personal Unsecured
Max Term 48 months
| Credit Range | Grade | Rate | Max Line |
|---|---|---|---|
| 730+ | A+ | 10.99% | $20,000 |
| 680-729 | A | 11.24% | $20,000 |
| 640-679 | B | 11.49% | $20,000 |
| 600-639 | C | 12.99% | $10,000 |
| 550-599 | D | 13.99% | $1500 |
| 549-LESS | E | 15.99% | $1000 |
Unsecured Line of Credit
| Credit Range | Grade | Rate | Max Line |
|---|---|---|---|
| 730 | A+ | 13.00% | $10,000 |
| 680-729 | A | 13.00% | $9000 |
| 640-679 | B | 13.00% | $7000 |
| 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
| Credit Range | Grade | Rate | Max Limit |
|---|---|---|---|
| All | All | 14.50% | $1,000 W/DD & Auto Payment |
| All | All | 14.50% | $750 W/O DD & Auto Payment |
Quick/Emergency Loan
Max Term: 12 Month
| Credit Range | Grade | Rate | Max Limit |
|---|---|---|---|
| All | All | 15.50% | $1,000 W/DD & Auto Payment |
| All | All | 15.50% | $750 W/O DD & Auto Payment |
Mobile Home
In Park
| Year | Rate | Term | Max Limit |
|---|---|---|---|
| 2020-2025 M.H In Park | 6.99% | 180 Months | Up to 80% LTV |
| 2013-2019 M.H In Park | 8.99% | 180 Months | Up to 80% LTV |
| 2005-2012 M.H In Park | 9.99% | 180 Months | Up to 80% LTV |
| 1977-2004 M.H In Park | 10.99% | 180 Months | Up to 80% LTV |
Mobile Home – On Land
180 months 8.00%
Land Loan
8.00%
Dividend Rates
Effective September 18, 2025
| 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 |
| $2,500 to $9.999.99 | .01% | .01% | Monthly | |
| $10,000 to $24,999.99 | .01% | .01% | Monthly | |
| $25,000 to $49,999.99 | .05% | .05% | Monthly | |
| $50,000 & Over | .05% | .05% | Monthly | |
| Christmas & Vacation Clubs | .01% | .01% | Monthly | |
| Share Draft | $0 and Over | 0.0% | 0.0% | Monthly |
| IRA (Roth and Traditional) | 0.50% | 0.50% | 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.
Share Certificates
Effective September 18, 2025
| Term | Annual Dividend Rate | Annual Percentage Yield (*APY) | Compounding Term |
|---|---|---|---|
| 3 Months | 3.50% | 3.557% | Monthly |
| 6 Months | 3.50% | 3.557% | Monthly |
| 1 Year | 3.25% | 3.229% | Monthly |
| 2 Years | 2.50% | 2.529% | Monthly |
| 3 Years | .55% | .551% | Monthly |
| *APY Based on Minimum Deposit |
$500 minimum deposit
Automatic renewal
Withdrawals of principal allowed with penalty
Withdrawals of dividends allowed without penalty