Rates
Loan Rates Schedule of Fees Share Account Dividends Share Certificates Rates Insured Deposits
| Credit Tier | A Plus | A | B | C | D |
| Credit Score | 740 and Over | 739-700 | 699-660 | 659-620 | 619-580 |
| * | APR | APR | APR | APR | APR |
| Signature (Max) | $10,000.00 | $10,000.00 | $9,000.00 | $6,000.00 | $3,000.00 |
| 24 Months | 7.25 | 7.75 | 9.00 | 10.00 | 13.50 |
| 36 Months | 7.50 | 8.00 | 9.25 | 10.25 | 13.50 |
| 48 Months | 8.00 | 8.25 | 9.50 | 10.50 | 15.50 |
| 60 Months | 8.25 | 8.50 | 9.75 | 10.75 | - |
| Holiday Special (Max) | $2,500 | $2,200 | $2,000 | $1,000 | $500.00 |
| 12 Months/1 Year | 3.25 | 4.25 | 5.25 | 6.25 | 9.25 |
| New Vehicles - 2019/2018 | 100% | 100% | 100% | 90% | 80% |
| 36 Months (not titled) | 2.69 | 2.79 | 2.89 | 3.99 | 7.99 |
| 48 Months | 2.79 | 2.89 | 3.09 | 4.99 | 8.50 |
| 60 Months | 2.99 | 3.09 | 3.59 | 4.69 | 8.99 |
| 72 Months | 3.25 | 3.50 | 3.99 | 4.99 | 9.99 |
| Used Vehicles - 7 Years Old | 100% | 100% | 100% | 90% | 80% |
| 2019-2017 72 Months | 2.99 | 3.09 | 4.19 | 4.99 | 8.99 |
| 2016-2014 60 Months | 3.99 | 4.19 | 4.99 | 5.99 | 9.99 |
| 2013-2012 48 Months | 4.49 | 4.99 | 5.19 | 6.99 | 10.99 |
| Motorcycles - 7 Years Old | 90% | 90% | 90% | 80% | 75% |
| New - 2019/2018 60 Mths. | 6.99 | 6.99 | 6.99 | 7.99 | 10.99 |
| Used - 2017-2013 60 Mths. | 7.99 | 7.99 | 7.99 | 8.99 | 11.99 |
| VISA Credit Cards * | $10,000.00 | $10,000.00 | $9,000.00 | $6,000.00 | $3,000.00 |
| 8.50 | 8.50 | 12.50 | 16.50 | 16.50 | |
| 100% Share Secured Credit Card | 8.50 | ||||
| Home Equity Loans | 80% | 80% | 80% | 75% | |
| 60 Months (5 years) | 3.75 | 3.99 | 4.24 | 4.44 | NO FEE'S |
| 120 Months (10 years) | 4.25 | 4.55 | 4.80 | 4.99 | $10,000.00 |
| 144 Months (12 years) | 4.75 | 4.99 | 5.24 | 5.44 | Minimum |
| 180 Months (15 years) | 5.25 | 5.49 | 5.74 | 5.94 | |
| 100% Share Secured Loans | *APR | ||||
| 60 Months | 3.99 | ||||
| Better Choice Loan | $578.00 Max | ||||
| 90 Days | 18.00 | ||||
| •All of the above loan rates and terms are subject to change without prior notice. | |||||
| •All loans are based on both your Credit Report Score and a 45% Debt Ratio. The ratio is calculated on your total monthly bill payments, divided by your total gross monthly income. | |||||
| •All loans are subject to cross collateral provisions per the signed loan note. | |||||
| •Credit Reports are obtained from Experian and based on the Fair Isaac Risk Model. | |||||
| •If no credit score is stated on the credit report, then the C Tier rate is used. | |||||
| •A total of three (3) monthly consecutive payments must be made before a member can refinance their unsecured loan. | |||||
| •If a loan is not paid by payroll deduction or ACH, .25 basis points are added to the rate. | |||||
| •Loans will not be approved with a Credit Score of less than 580. | |||||
| Auto Loan percentages lent is calculated on the Blue Book and/or window sticker price | |||||
| NO OUT OF STATE VEHICLES WILL BE FINANCED, THEY MUST HAVE A PENNSYLVANIA TITLE AND PLATE. | |||||
| WE ONLY DO HOME EQUITY LOANS ON PROPERTY LOCATED IN ALLEGHENY COUNTY, AND THE MEMBER MUST LINE IN THE HOME, FULL TIME. | |||||
| •APR = Annual Percentage Rate*. | |||||
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220 Grant Street
Pittsburgh, PA 15219
Phone: 412-350-5957
Fax: 412-281-9158
Routing Number: 243083224
