Rates - Loans

Rates effective as of July 1, 2013.

Vehicle Loans

Vehicle Loan Rates:
0 - 36 Months3.99% - 18.00% APR*
37 - 48 Months3.99% - 18.00% APR*
49 - 60 Months3.99% - 18.00% APR*
61 - 84 Months4.49% - 18.00% APR*
Motorcycle Loan Rates: 2006 - Current Model Year
0 - 36 Months8.85% - 18.00% APR*
37 - 48 Months8.85% - 18.00% APR*
49 - 60 Months8.85% - 18.00% APR*
61 - 84 Months (2011 - Current Model Year)9.35%- 18.00% APR*
Recreational Vehicle Loan Rates:
0 - 36 Months7.75% - 18.00% APR*
37 - 48 Months7.75% - 18.00% APR*
49 - 60 Months7.75% - 18.00% APR*
61 - 84 Months7.75% - 18.00% APR*
85-120 months (Recreational vehicles >$25,000) 7.80% - 18.00% APR*

*APR = Annual Percentage Rate

Loan rates are based on credit worthiness of applicants and may vary from those shown above. Refinancing a current SPE FCU loan requires adding $2,500 to the loan; the vehicle value must be sufficient collateral for the loan. These rates are subject to change at any time.

Home Loans

Home Equity Fixed Term Loans
0 - 36 Months3.99% - 18.00%APR*
37 - 60 Months3.99% - 18.00%APR*
61 - 84 Months4.49% - 18.00%APR*
85 - 120 Months4.49% - 18.00%APR*
121 - 180 Months4.99% - 18.00% APR*
Addtional Rates Available up to 95% LTV
Prime Home Equity Variable Lines of Credit
No term/Revolving4.00% APR**
Home Loans (Mortgage)
Check rates, Learn More, Pre-qualify, Pre-approve, or Apply for a home loan at the press of a button!
For Jumbo Rates on home loans over $417,000, call Charlie at (814) 237-5458 ext. 6631.

*APR = Annual Percentage Rate. Minimum loan amount is $10,000; maximum is $200,000. Loans under $10,000 are available. Check with the credit union for rates. Loan rates are based on credit worthiness of applicants and may vary from those shown above. Pay $194 for every $10,000 borrowed at 5.99% for 60 months. Example for illustration purposes only.

**APR = Annual Percentage Rate. This is a variable rate line of credit based on the Prime Rate plus 0.75% margin. The annual percentage rate can change on the first day of each month. The minimum payment is $100. rounded to the nearest $1.00. The maximum APR is 18%. After you obtain the first advance, the minimum amount of each subsequent advance is $300.

Consult a tax advisor regarding the deductibility of interest.

Unsecured Loans

Unsecured Fixed Personal Loans
0 - 12 Months9.99% - 18.00% APR*
13 - 36 Months9.99% - 18.00% APR*
37 - 48 Months9.99% - 18.00% APR*
49 - 60 Months9.99% - 18.00% APR*
Unsecured Lines of Credit
0 - 12 Months12.95% APR*
13 - 36 Months12.95% APR*
37 - 48 Months12.95% APR*
49 - 60 Months12.95% APR*

*APR = Annual Percentage Rate. Minimum loan is $1,000. Loan rates are based on credit worthiness of applicants and may vary from those shown above. To refinance an existing SPE FCU loan, an additional $1,000 must be added to the loan.


Other Loans

Lot Loans
1 - 84 Months 7.69% APR*
Land Loans
0 - 60 Months8.95% APR*
61 - 84 Months9.95% APR*
Share Secured Loans
All Terms4.83% APR*

*APR = Annual Percentage Rate.

Visa Credit Cards

Visa Classic Credit Card12.95% APR*
Platinum Visa Credit Card9.90% APR*

*APR = Annual Percentage Rate.