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Personal & Auto Loan Rates

People’s Credit Union makes reaching your financial goals easy and affordable. We are proud to offer local service, local decisions and low rates. If you have a request for a specific type of loan please feel free to contact us at 401.846.8930.

Auto Loan (New)

Effective Date: Thursday, July 27, 2017

ProgramTermAPR*Monthly Payment Per $1,000 Borrowed
Model Years (New Purchase Only) 2016-201760 Months2.89%$17.92Apply Now
Model Years (New Purchase Only) 2016-201772 Months3.20%$15.28Apply Now
Model Years (New Purchase Only) 2016-201784** Months4.45%$13.88Apply Now

Interest Rates are subject to change without notice.

* Annual Percentage Rate (APR) subject to change without notice. Advertised APR is based on a credit score of 750 and a maximum Loan-To-Value (LTV) of 120%. Other rates available based on creditworthiness. Monthly payment is advertised for the full term of the loan. New loans only.

**Minimum loan amount of $25,000 with terms of 84 months.


Auto Loans (Used)

Effective Date: Thursday, July 27, 2017

ProgramTermAPR*Monthly Payment Per $1,000 Borrowed
Model Years (Used Purchase Only) 2015-201460 Months2.99%$17.96Apply Now
Model Years (Used Purchase Only) 2012-201360 Months3.15%$18.04Apply Now
Model Years (Used Purchase Only) 201160 Months3.55%$18.21Apply Now
Model Years (Used Purchase Only) 201048 Months4.05%$22.60Apply Now

Interest Rates are subject to change without notice.

* Annual Percentage Rate (APR) subject to change without notice. Advertised APR is based on a credit score of 750 and a maximum Loan-To-Value (LTV) of 120%. Other rates available based on creditworthiness. Monthly payment is advertised for the full term of the loan. New loans only.

**Minimum loan amount of $25,000 with terms of 84 months.


Motorcycle Loans (New & Used)

Effective Date: Thursday, July 27, 2017

ProgramTermAPR*Monthly Payment Per $1,000 Borrowed
Model Years 2017-201260 Months5.99%$19.33Apply Now
Model Years 2017-201272 Months7.49%$17.29Apply Now
Model Years 2011-200748 Months7.99%$24.41Apply Now

 Interest Rates are subject to change without notice.

* Annual Percentage Rate (APR) subject to change without notice. Advertised APR is based on a credit score of 750 and a maximum Loan-To-Value (LTV) of 100%. Other rates available based on creditworthiness. Monthly payment is advertised for the full term of the loan. New loans only.


Energy Loan

Effective Date: Thursday, July 27, 2017

APR* as low asMonthly Payment per $1,000 Borrowed for 48 Months
Energy Loan7.99%$24.41Apply Now

Interest Rates are subject to change without notice.

* Annual Percentage Rate (APR) subject to change without notice. Rate shown is lowest available based on credit. Other rates available based on creditworthiness. Maximum term is 48 months. Maximum amount of loan is $25,000. Monthly payment of $24.41 on $1,000 borrowed for 48 months. Please contact the Credit Union for full details on qualifying purchases.


Heating Loan

Effective Date: Thursday, July 27, 2017

APR* as low as Monthly Payment Per $1,000 Borrowed for 12 Months
Home Fuel Loan 5.00% $85.61 Apply Now

 Interest Rates are subject to change without notice.

* Annual Percentage Rate (APR) subject to change without notice. Rate shown is lowest available based on credit. Other rates available based on creditworthiness. Maximum loan amount $2,500. Maximum term is 12 months. Monthly payment of $85.61 on $1,000 borrowed for 12 months.


Personal Loan

Effective Date: Thursday, July 27, 2017

APR* as low asMonthly Payment Per $1,000 Borrowed for 24 Months
Any Purpose Loan9.99%$46.14Apply Now

 Interest Rates are subject to change without notice.

* Annual Percentage Rate (APR) subject to change without notice. Advertised APR is based on a credit score of 720 or higher. Other rates available based on creditworthiness. Monthly payment is based on 24 month term.


Personal Line of Credit - Adjustable Rate

Effective Date: Thursday, July 27, 2017

APR* as low asMonthly Payment Per $1,000 Borrowed
Line of Credit7.75%VariesApply Now

 Interest Rates are subject to change without notice.

* Annual Percentage Rate (APR) subject to change without notice. Rate shown is lowest available based on credit. Other rates available based on creditworthiness. Maximum amount of line: $25,000