Vehicle Loans - New & Used Purchases & Refinances
As Low As 2.24% APR* Up to 36 Months
As Low As 2.49% APR* Up to 60 Months
PLUS - Transfer Your Auto Loan & Save and additional .25% Discount off your rate.
If you have financed your vehicle at another lender, transfer the loan to PTCU by March 31, 2012 and your rate will be one quarter percent (.25%) less than our already low auto loan rates! And, if you are planning to buy a new or used vehicle, come to PTCU before you visit the dealer to take advantage of our great low rates.
click here to apply today!
* APR = Annual Percentage Rate, subject to change without prior notice. Rate is based on individual credit score and term of loan. Estimated monthly payment for a 36-month loan at 2.24% APR equals $28.75 per $1,000 borrowed, and for a 60-month loan at 2.49% APR the monthly payment is approximately $17.74 per $1,000 borrowed.
Transfer Your Checking Account & Earn $100*
Move your checking account to PTCU by March 31, 2012 and receive $100
*Find out how.
Great Rates and Choices for You Insured Savings
- Earn competitive yields on certificates with terms from 3 months to 7 years.
- Earn a high certificate yield for one year on a smaller balance with the ability to add to it during the year. Our Add-On Savings Certificate allows you to start with a minimum $300 balance and make additional deposits of $20 or more as often as you like
- For daily flexibility, Peoples Trust offers great yields on insured Money Market Plus Savings, too.
- Check all of our competitive savings rates.
Many Individual Retirement Account Choices
A traditional or Roth IRA is a great way to save for retirement with income tax advantages. IRAs are now federally insured to $250,000. We offer several choices for your IRA:
- A Money Market IRA - earn a higher rate on this liquid account with as little as $1,000. The yield is tiered based on the balance,. This is a great option for members who are making regular withdrawals from their IRA.
- Add-on IRA Certificate – start with as little as $300 and add $20 or more at any time. One year term only. Start small and watch your retirement savings grow!
- IRA certificates with terms from one to seven years.
- Variable Rate IRA Savings with a minimum balance of just $100
Peoples Trust Has a Better Deal for Auto Financing
If you are tempted by low loan rates offered by auto dealers, look carefully. Usually you’ll save money by taking a rebate and getting your loan at Peoples Trust. Here’s an example with a choice of low rate financing or a rebate:
| Where Financed | PTCU | Auto Dealer |
| Vehicle Price, with tax | $24,000.00 | $24,000.00 |
| Cash Rebate | - $3,000.00 | - $0.00 |
| Monthly Payment, 60 months | $377.27 at 2.99% APR | $430.18 at 2.9% APR |
| Total of 60 Payments | $22,635.97 | $25,810.80 |
In this example, you'd save $3,174.884 by taking the rebate and getting your loan at Peoples Trust!
First Time Car Buyer's Program
If you are 17 to 25 and shopping for your first car, make sure you come to PTCU for your financing. You will receive a discount of 0.50% off our standard rate. Plus, for a limited time, we will help put gas in your tank with a $50 gas card! And when we approve you for the car loan, you are immediately eligible to receive a $500 limit for a VISA Classic Credit Card. How to buy a used car.
