Loan Products
PAC Federal Credit Union offers a full range of loan products to meet the needs of our members. Whether you are ready to purchase a new car, finance your home, or buy a new boat, we have a loan for you.
We offer the most competitive rates possible to our members. We encourage you to compare us to banks and mortgage brokers.
Vehicle Loans
PAC Federal Credit Union can provide you with excellent choices for financing new or used automobiles. Our lending staff can help you the finance your vehicle on terms that are favorable to you. All PAC Federal Credit Union auto loans feature:
- No application fee
- Never a prepayment penalty; simple interest calculated on the unpaid balance
- Financing available up to 100% of the cost of the vehicle and up to 60 months*
- We will lower your auto rate by 1/4% if you make automated payments from your PAC Federal Credit Union checking account
- We approve your application quickly and provide you with confidence to negotiate the best deal with the dealer. Visit the credit union before you go to the dealer to see our competitive loan rate. By financing your purchase with us and taking the cash bonus/rebate from the dealer you often can beat their 0% financing offer
- We offer optional credit life, disability or GAP insurance
Check our competitive auto rates or our loan calculator to estimate your monthly vehicle loan payments.
Be sure to fill out our convenient loan application form, or stop by any PAC Federal Credit Union branch office.
*Dependent upon F.I.C.O. score.
Mortgage Loans
PAC Federal Credit Union can provide you with financing for your dream house, whether you're buying your first home or refinancing your current mortgage. We can help you to choose the right financing that fits your budget and guide you through the process. We don’t charge any of the fees that other mortgage lenders do. Also we do not collect your monthly allocation for property taxes and insurance.
We offer:
- Fast approval time
- Very competitive pricing: low closing costs, no points, and no escrow account
- Pre-approved loans
We also offer Home Improvement and Equity Loans as well as Home Equity Lines of Credit (funds may be available to you within as few as 3 business days).
Be sure to fill out our convenient home equity application form, or stop by any PAC Federal Credit Union branch office.
Other Loans from PAC Federal Credit Union
We also offer a range of loans to fit your lifestyle. Whatever your needs, we are here to help you. Loans that we offer include:
- Motorcycles, boats, campers, motor homes, jet skis and snowmobiles
- Line of Credit
- Signature Loans
Be sure to fill out our convenient loan application form, or stop by any PAC Federal Credit Union branch office.
