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Loans | Shares | Certificates
Loan Calculators
Puget Sound Energy Credit Union's Merit-Based Lending Program continues our tradition of giving members great loan rates. Under the Merit-Based Lending Program, members receive a loan rate based on their personal credit history - the better the credit, the better the rate.
Members with an excellent credit rating will receive some of the lowest loan rates in our market area today. Members with past credit issues will receive a rate that's very competitive, and in most cases, lower than they might pay elsewhere.
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(Rates quoted are for loans with automatic payment. Rates for all loans without automatic payment will be 0.25% higher.)
Rates are subject to Change Without Notice.
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| Consumer Loan Rates |
Annual Percentage Rate
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| New Car Rates (100% Financing + Tax & Lic., up to 6 years) |
4.99% -10.99% |
| Used Car Rates (100% of High Book, up to 5 years) |
5.40% - 11.25% |
| New Boats & RVs (Up to 90% Financing, up to 10 years, over $50K up to 12 years) |
5.99% -11.99% |
| Used Boats & RVs (Up to 90% of appraised value, up to 8 years, over $50K up to 10 years) |
6.24% - 12.50% |
| Sport Vehicles - Motorcycles, ATV, etc. (Up to 90% Financing, up to 5 years) |
6.99% - 13.99% |
| Signature Loan (2 year Payoff) |
8.74% - 15.00% |
| Signature Loan (3 year Payoff) |
9.74% - 16.00% |
| Signature Loan (4 year Payoff) |
10.74% - 16.50% |
The Annual Percentage Rate will be decided at the time that all necessary applications have been received. The Annual Percentage Rate that you receive will be based on your Equifax Credit Score and the term of the loan.
| Other Loan Rates |
Rate |
APR* |
Term |
| VISA Classic credit card |
11.900 |
11.900 |
n/a |
| VISA Platinum credit card |
8.90 |
8.90 |
n/a |
| VISA Secured credit card |
11.90 |
11.90 |
n/a |
| VISA Student Rewards credit card |
13.90 |
13.90 |
n/a |
| Home Equity Fixed Closed End (85% LTV - 10 year) |
6.49 |
6.49 |
120 |
| Home Equity Fixed Closed End (85% LTV - 15 year) |
6.75 |
6.75 |
180 |
| Home Equity Variable Line Of Credit (85% LTV - 15 year) |
4.03 |
4.03 |
180 |
| Home Equity Variable Line Of Credit (95% LTV - 15 year) |
5.03 |
5.03 |
180 |
| Share Secured |
5.00 |
5.00 |
60 |
| Shares |
Dividend Rate
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APY* |
Term |
| Checking |
1.00 |
1.00 |
n/a |
| Christmas Club Savings |
1.75 |
1.76 |
n/a |
| Individual Retirement Account (Traditional IRA) |
2.75 |
2.78 |
n/a |
| Regular Share Savings ($50.00 to $9,999.99) |
1.75 |
1.76 |
n/a |
| Regular Share Savings ($10,000.00 to $24,999.99) |
2.25 |
2.27 |
n/a |
| Regular Share Savings ($25,000.00 and above) |
2.75 |
2.78 |
n/a |
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*APY = Annual Percentage Yield
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All rates are subject to change without notice.
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| Certificates |
Dividend
Rate
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APY* |
Term |
| Member Appreciation Certificate (10 Months) $1,000 to $20,000 (Only 1 per member) |
3.25 |
3.30 |
10 |
| Member Appreciation Certificate (20 Months) $1,000 to $20,000 (Only 1 per member) |
3.40 |
3.45 |
20 |
| Term Share Certificate (6 Months) $1,000 to $24,999 |
2.65 |
2.68 |
6 |
| Term Share Certificate (12 Months) $1,000 to $24,999 |
2.75 |
2.78 |
12 |
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Term Share Certificate (24 Months) $1,000 to $24,999
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2.85 |
2.89 |
24 |
| Term Share Certificate (48 Months) $1,000 to $24,999 |
3.05 |
3.09 |
48 |
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Term Share Certificate (6 Months) $25,000 and Above
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2.80 |
2.84 |
6 |
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Term Share Certificate (12 Months) $25,000 and Above
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2.95 |
2.99 |
12 |
| Term Share Certificate (24 Months) $25,000 and Above |
3.10 |
3.14 |
24 |
| Term Share Certificate (48 Months) $25,000 and Above |
3.25 |
3.30 |
48 |
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*APY = Annual Percentage Yield
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All rates are subject to change without notice.
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