PENLANCO FCU RATES

Rates Designed to Help You Save More

Explore competitive rates across our accounts and loans, all designed to support your financial goals.

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Savings Rates

Share Savings
Christmas Club
Money Market Savings
IRAs
Certificates and IRA Certificates
Dividend Rate APY
0.25% 0.25%

APY means Annual Percentage Yield

Dividend Rate APY
0.30% 0.30%

APY means Annual Percentage Yield

Balance Requirements Dividend Rate APY
$3,000.00-$25,000.00 1.50% 1.511%
$25,000.01-$100,000.00 2.25% 2.275%
$100,000.01 and higher 3.00% 3.045%

APY means Annual Percentage Yield

Dividend Rate APY
0.50% 0.50%

APY means Annual Percentage Yield

TERM Dividend Rate APY
6 months 3.698% 3.750%
12 months 3.747% 3.800%
24 months 3.552% 3.600%
36 months 2.624% 2.650%
48 months 2.673% 2.700%
60 months 2.722% 2.750%

Early withdrawal penalties apply. Withdrawal penalties impact APY.

APY means Annual Percentage Yield.

Auto Loans

New Vehicles
Used Vehicles – 2018-2026
Used Vehicles – 2017 and older

All Penlanco FCU Auto Loans qualify for Penlanco Perks — earn up to 0.30% off your already low rate. Click here for details.

New Vehicles is defined as previously untitled or the original owner within 6 months of purchase. 

TERM 730 + FICO 690-729 FICO 650-689 FICO 610-649 FICO <610 FICO
3 years 4.65% 5.15% 6.65% 8.65% 10.65%
5 years 4.95% 5.45% 6.95% 8.95% 10.95%
6 years 5.15% 5.65% 7.15% 9.15% 11.15%
7 years 5.55% 6.05% 7.55% 9.55% 11.55%

Rates shown are Annual Percentage Rate (APR). APR is based on borrower(s) TransUnion credit score(s)​.

All Penlanco FCU Auto Loans qualify for Penlanco Perks — earn up to 0.30% off your already low rate. Click here for details.

TERM 730 + FICO 690-729 FICO 650-689 FICO 610-649 FICO <610 FICO
3 years 4.65% 5.15% 6.65% 8.65% 10.65%
4 years 4.95% 5.45% 6.95% 8.95% 10.95%
5 years 4.95% 5.45% 6.95% 8.95% 10.95%
6 years 5.15% 5.65% 7.15% 9.15% 11.15%
7 years 5.55% 6.05% 7.55% 9.55% 11.55%

Rates shown are Annual Percentage Rate (APR). APR is based on borrower(s) TransUnion credit score(s)​.

All Penlanco FCU Auto Loans qualify for Penlanco Perks — earn up to 0.30% off your already low rate. Click here for details.

TERM 730 + FICO 690-729 FICO 650-689 FICO 610-649 FICO <610 FICO
3 years 5.25% 5.75% 7.25% 9.25% 11.25%
4 years 5.45% 5.95% 7.45% 9.45% 11.45%
5 years 5.65% 6.15% 7.65% 9.65% 11.65%

Rates shown are Annual Percentage Rate (APR). APR is based on borrower(s) TransUnion credit score(s)​.

Recreational Vehicle Loans

New RV/Boat
Used RV/Boat – 2017 and Older
Used RV/Boat – 2018-2026

All Penlanco FCU RV Loans qualify for Penlanco Perks — earn up to 0.30% off your already low rate. Click here for details.

New RV/Boat is defined as previously untitled or the original owner within 6 months of purchase. 

TERM 730 + FICO 690-729 FICO 650-689 FICO 610-649 FICO <610 FICO
3 years 5.65% 6.15% 7.65% 9.65% 11.65%
5 years 5.95% 6.45% 7.95% 9.95% 11.95%
6 years 6.15% 6.65% 8.15% 10.15% 12.15%
7 years 6.55% 7.05% 8.55% 10.55% 12.55%

Rates shown are Annual Percentage Rate (APR). APR is based on borrower(s) TransUnion credit score(s)​.

All Penlanco FCU RV Loans qualify for Penlanco Perks — earn up to 0.30% off your already low rate. Click here for details.

TERM 730 + FICO 690-729 FICO 650-689 FICO 610-649 FICO <610 FICO
3 years 6.25% 6.75% 8.25% 10.25% 12.25%
4 years 6.45% 6.95% 8.45% 10.45% 12.45%
5 years 6.65% 7.15% 8.65% 10.65% 12.65%

Rates shown are Annual Percentage Rate (APR). APR is based on borrower(s) TransUnion credit score(s)​.

All Penlanco FCU RV Loans qualify for Penlanco Perks — earn up to 0.30% off your already low rate. Click here for details.

TERM 730 + FICO 690-729 FICO 650-689 FICO 610-649 FICO <610 FICO
3 years 5.65% 6.15% 7.65% 9.65% 11.65%
4 years 5.95% 6.45% 7.95% 9.95% 11.95%
5 years 5.95% 6.45% 7.95% 9.95% 11.95%
6 years 6.15% 6.65% 8.15% 10.15% 12.15%
7 years 6.55% 7.05% 8.55% 10.55% 12.55%

Rates shown are Annual Percentage Rate (APR). APR is based on borrower(s) TransUnion credit score(s)​.

Home Loans

Home Equity Loans

All Penlanco FCU Fixed Home Equity Loans qualify for Penlanco Perks — earn up to 0.30% off your already low rate. Click here for details.

TERM 730 + FICO 690-729 FICO 650-689 FICO 610-649 FICO <610 FICO
5 years 4.75% 5.00% 5.50% 6.25% 6.75%
10 years 4.95% 5.20% 5.70% 6.45% 6.95%
15 years 5.95% 6.20% 6.70% 7.45% 7.95%

Rates shown are Annual Percentage Rate (APR). APR is based on borrower(s) TransUnion credit score(s). Closing costs increase the APR. Fixed Home Equity Loans available in amounts of $5,000 or more. Maximum Loan-to-Value is 80%. The property must be in PA and be the primary residence.

Personal & Other Loans

Personal
Signature LOC
Education
CD Secured
Shared Secured

All Penlanco FCU Personal Loans qualify for Penlanco Perks — earn up to 0.30% off your already low rate. Click here for details.

TERM 730+ FICO 690-729 FICO 650-689 FICO 610-649 FICO <610 FICO
Up to 3 years 7.95% 8.45% 9.95% 12.95% 15.95%
Up to 5 years 8.20% 8.70% 10.20% 13.20% 16.20%

Rates shown are Annual Percentage Rate (APR). APR is based on borrower(s) TransUnion credit score(s)​.

TERM 730 + FICO 690-729 FICO 650-689 FICO 610-649 FICO <610 FICO
Open-Ended WSJP + 2.50% WSJP + 3.00% WSJP + 4.50% WSJP + 6.00% WSJP + 7.50%

This is an open-ended variable rate loan. The APR is variable and is tied to the Wall Street Journal Prime Rate. APR is based on TransUnion credit score(s). APR means Annual Percentage Rate.

All Penlanco FCU Education Loans qualify for Penlanco Perks — earn up to 0.30% off your already low rate. Click here for details.

TERM 730 + FICO 690-729 FICO 650-689 FICO 610-649 FICO <610 FICO
5 years 5.25% 5.75% 7.25% 9.25% 11.25%
10 years 5.50% 6.00% 7.50% 9.50% 11.50%

Rates shown are Annual Percentage Rate (APR). APR is based on borrower(s) TransUnion credit score(s)​.

TERM Rate
Match Remaining Certificate Term Certificate Rate + $1.00%
TERM RATE
Up to 5 years Share Savings Dividend Rate + 1.00%
Up to 10 years Share Savings Dividend Rate + 2.00%
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