Loans

We Offer a Wide Variety of Loans at Affordable Rates

Are you looking for your first car, a new car or pickup, a motorhome or RV? Are you purchasing or refinancing a home? Do you want to make use of the equity in your home? You can expect all of our lending services to come with the prompt and friendly service you deserve as a member-owner of PUD Federal Credit Union. We think our combination of outstanding service, great rates, and convenience just can’t be beat!

Our Lending Services 

New and Used Vehicle Loans

Thinking about purchasing a new or used vehicle? The Credit Union offers new and used vehicle loans using your title as collateral. New and used vehicles include, but are not limited to autos, trucks, motorcycles, RV’s, boats, farm, or construction equipment.

Recreational Vehicle Loans

Aside from automobiles, we also offer loans for Recreational Vehicles such as motorhomes, travel trailers, boats, jetski’s, ATV’s and snowmobiles.

Signature Loans

A Personal Loan with your Credit Union doesn’t require collateral… all it takes is your signature! Take advantage of our low-rate Signature loans and use the money for vacation, debt consolidation, tuition, taxes, or any way you wish.

Home Equity Loans

Need to do home Improvements? Need to consolidate bills/credit cards? Want to purchase a new/used vehicle? You can use the equity in your home to get the money you need.

Boat Loans

Same rates as our new and used vehicle rates. Need a longer term? 10-year term available on loans $20,000 and over.

VISA® Credit Cards

PUD FCU also offers VISA® Credit Cards to all qualified members.

Our Loan Rates 

LOAN TYPE

MAX TERMS

APR*

New & Used vehicles, boats, RV's, ATV's 2011-2021

Up to 48 months (4 years)
2.74%

49 to 60 months (5 years)
3.24%

61 to 72 months (6 years)

3.49%

Loans over $35K up to 84 months

3.74%

2005 – 2010 Used Vehicles
2004 and older

6.00%
7.00%

Antique Classic Cars 30 years and older 
up to 6 years, lending guidelines apply
5.00%

Boats & RV’s new and used over $30K 

10 year term
5.25%

 Boats & RV’s new and used over $35K 

12 year term

5.50%

ATV’s / Watercrafts
Older than 10 years

Up to 5 years

4.25%

SIGNATURE LOANS

Up to 12 months

5.00 %

Up to 24 months

8.00 %

Up to 60 months

10.00%

VISA CLASSIC or PLATINUM CARD

9.90%

HOME EQUITY LINKE OF CREDIT

Call for Current Rates

LAND LOANS

6.75%

*APY = Annual Percentage Yield. Rates effective 2/1/2021 and may change at any time.

Auto Loan Payment Example

A $10,000 loan with 48-month term at rate of 2.79% would have monthly payments of $219.92.

Loan Calculator

The link to the loan calculator is made available to you only as a self-help tool for your independent use and is not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes only. We encourage you to seek personalized advice from qualified professionals in regards to all of your personal finance issues.

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