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Auto Loan Rates as low as 1.64% APR*
Your Next Auto Loan is Waiting for You at PostCity Financial Credit Union!
- Rates as low as 1.64% APR* with a .35% rate discount option!
- Bring us your higher rate loan from another lender and we may be able to lower your rate and your payments
- Terms up to 7 years & up to 100% financing
- Low-cost GAP and MBI insurances available
*APR = Annual Percentage Rate. You must qualify for PostCity Financial Credit Union membership to be eligible to borrow. Loans subject to underwriting and approval. All rates subject to change without notice. Auto Loan Payment Example: $17.97 per month per $1,000 borrowed at 2.99%APR for 60 months. The maximum loan value for any used automobile, truck or van loan, including tax, license, mechanical breakdown insurance and guaranteed asset protection insurance cannot exceed 100% of the retail Kelley Blue Book price, including appropriate equipment and mileage adjustment, not to exceed a maximum of $3,000 over the retail Kelley Blue Book price. If a current model year is not listed in the Blue Book, the value will be determined by a qualified third party who has no interest in the loan or the vehicle. For automobiles five years or older, the above guidelines apply with the exception of a maximum loan value, which cannot exceed 100% of the wholesale Kelley Blue Book price, including appropriate equipment and mileage adjustment. Maximum cash-out on auto loan cannot exceed 100% of the appropriate Kelley Blue Book value. For new recreational vehicles, maximum financing is 80% of purchase price, including tax and license. Advertised 1.64% APR rate is lowest available and includes a .35% rate reduction with net Direct Deposit of at least $300 and auto transfer of loan payment from your PostCity Financial checking or savings account. Borrower’s actual rate may be different based on credit history. Rates not available on existing PostCity Financial Credit Union loans and cannot be combined with any other offer. All loans are subject to credit approval.
Improve Your Life with Our HELOC (Home Equity Line of Credit)
Need funds for an ongoing project or education expenses? A PostCity Home Equity Line of Credit (HELOC) delivers:
LOW Prime + 1%
NO closing costs - a savings of over $500!
NO points or annual fees
Generous credit lines—borrow up to 80% of your available equity
Once your HELOC is established, you can take additional advances (up to your preapproved limit) without having to re-apply.
No set-up fees on credit lines of $25,000 or more.
Easy access to funds
Flexible repayment terms of up to 20 years
Possible tax advantages (consult your tax advisor)
A personal loan officer to guide you through the process
*Annual Percentage Rate. Current standard low variable rate is Prime + 1.00%, currently 5.00% as of April 1, 2017. Payment example: 240 monthly payments of $6.61 per $1,000.00 borrowed. All loans are subject to credit approval. Your rate and credit limit will be determined based on individual creditworthiness, and by the amount of equity in your home, based on appraised value less any outstanding encumbrances. The annual percentage rate, APR, is subject to change semi-annually, April 1 and October 1, and will correspond to changes in the Index. The Index is the Prime Rate as published in the Money Rates table of the Wall Street Journal. When a range of rates are published, the highest rate will be selected, rounded to the nearest one-quarter percent (.25%). The new percentage rate and daily periodic rate will be determined by the Index for the month of March for April 1, and the month of September for October 1 change dates, with a margin of plus 1% percentage points up to a maximum of 18%. Maximum 20-year repayment term, including 5-year draw period and 15-year repayment period. Initial minimum withdrawal amount is $1,000 and $500 for each subsequent withdrawal. Must be over 18 years of age to qualify for loan. Existing PostCity Home Equity Lines of Credit are not eligible for this offer. Cannot be combined with any other offer and is subject to change at any time.
Each year, PostCity Financial Credit Union proudly supports the Credit Unions for Kids© program in support of Children's Miracle Network Hospitals©, which raises money and awareness for children's hospitals throughout North America. Over the years we have raised thousands of dollars for our local Children's Hospitals by holding raffles, selling candy bars and participating in many fund-raising activities.