Loan Rates

Pacific Transportation Federal Credit Union
The following rates are the lowest rates offered based on approved credit.
Effective October 1, 2020

New Autos 2020 Models
36 Months 2.24% APR*
48 Months 2.49% APR*
60 Months 2.99% APR*
72 Months 3.24% APR*
Used Autos 2015 – 2019 Models
36 Months 2.49% APR*
48 Months 2.74% APR*
60 Months 3.24% APR*
72 Months 3.49% APR*
 $10,000 minimum loan amount for 60 months
$15,000 minimum loan amount for 72 months 
New Recreational Vehicles  2020 Models
84 Months 8.50% APR*
 Used Recreational Vehicles 2019 – 2015 Models
84 Months 9.50% APR*
New Trailers 2020 Models
60 Months 8.50% APR*
Used Trailers Vehicles 2019 – 2015 Models
60 Months 9.50% APR*
New Motorcycle 2020 Models
60 Months 7.50% APR*
Used Motorcycle 2019 – 2015 Models
60 Months 8.50% APR*
New Watercraft 2020 Models
60 Months 7.50% APR*
Used Watercraft 2019 – 2015 Models
60 Months 8.50% APR
Personal Loans
24 Months 9.00% APR*
36 Months 10.00% APR*
48 Months 10.50% APR*
60 Months 11.00% APR*
$500 minimum loan amount
$10,000 maximum loan amount
MasterCard® with rates as low as 8.90% APR*

*APR = Annual Percentage Rate.

Contact Pacific Transportation Federal Credit Union for a copy of the Disclosures & Agreements.  Loan approval, term, and rate are based on a verification of income and an evaluation of your creditworthiness and collateral.