Loan Accounts

Pittsburgh Federal Credit Union offers a variety of loan services to our members. These include signature loans, new and used vehicle loans, shared secured loans, home equity loans and a one year loan special up to $3,000.00. There are no hidden costs or prepayment penalty with our loans.   Interest is calculated on the unpaid principal amount.  Every time you make your payment,  a certain amount of the payment goes toward interest and the remaining portion of your payment is applied to your outstanding principal.

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Loan Rates

Credit LevelGoldSilverCrystalBronzeQuartzNotes
Credit Score730 and Up729 - 670669 - 620619 - 570569 and Under 
Signature - Max$10000.00$10000.00$10000.00$10000.00$10000.00 
36 Months7.50%8.50%11.50%15.50%17.50% 
60 Months8.50%9.50%12.50%16.50%18.50% 
Seasonal Special$3000.00$3000.00$3000.00$2000.00$1000.00 
12 Months5.50%6.50%7.50%10.50%13.50% 
New Vehicles 2022-2023
(untitled or <10,000 miles)
36 Months3.00%4.00%5.00%15.00%17.00% 
48 Months3.50%4.50%6.00%15.75%17.75% 
60 Months3.75%4.75%6.75%17.50%18.75% 
72 Months4.25%5.00%7.00%17.50 %18.75% 
 84 Months 4.25%5.25%  7.25% 17.50% 18.75% 
Used Vehicles 100%100%100%100%100% 
2021-2018 Up to 72 Months4.00%5.00%6.00%14.00%16.00% 
2017-2012 Up to 60 Months5.25%6.00%7.00%15.75%17.75% 
2011-2010 Up to 48 Months6.00%7.00%8.00%15.00%17.75% 
2009-2006 Up to 48 Months7.00%8.00%9.00%15.25%17.75% 
New 2016-2015 Up to 60 Months6.50%7.50%8.50%13.50%16.75% 
Used 2014-2011 Up to 60 Months8.00%9.00%10%15.00%17.75 % 
Home Equity Loans      
12 - 60 Months4.00%4.25%5.00%  Standard and customary Home
61 - 120 Months4.50%5.50%6.25%  Equity loan fees will apply.
121 - 180 Months5.00%6.25%7.25%  (See schedule of fees and charges)
100% Share Secured      
36 Months4.50%     
60 Months5.50%     
Visa Credit Cards12.75%     
Better Choice Loans     10% of loan in shares, $20 fee and
$200 to $570 3 Months18.00%    60 day membership also required.

Please Note: Financing on vehicle loans up to 100% of MSRP or NADA Average Retail Value. Home Equity Loans are available up to 80% of the market value minus any prior liens. Rates are subject to change without notice. Please contact the credit union for the most current rates. To apply for a loan, simply stop in the office for an application. You may also call or email a request for an application to be mailed to you. Members have several options regarding repayment – automatic monthly payment from your checking account, monthly with a coupon book, payroll deduction, weekly, or biweekly payments. Automatic payment is available with any of our loan services. We offer life insurance and disability insurance at a nominal cost to the member.


Pittsburgh Federal Credit Union is now offering “Better Choice Loans”.

Better Choice loans are an affordable alternative loan program to Pay-Day lending loans. The program is designed for our members to use as a solution to the growing problem of payday lending practices. The Better Choice Program is supported by a joint effort between the Pennsylvania Credit Union Association, the Pennsylvania Treasury Department, and the Pennsylvania Department of Banking. These organizations have a strong interest in helping low and moderate income Pennsylvanians manage their finances and meet their financial needs without resorting to high-cost products such as pay-day loans. Just as Pittsburgh Federal Credit Union does!

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