Rates Page

Rates Effective July 9, 2009

Looking for a new car? Check our Auto Loan Rates, they are the lowest in quite a while! You'll find our loan rates very competitive and our savings rate very generous. In fact, we call our rates, "Great Rates" because we believe we offer the very best possible rates in the market today. And, to be absolutely sure that our rates are competitive in today's marketplace, we revisit and adjust our "Great Rates"every month. Now, there's no need to look elsewhere, just look at our rates below!

Savings Rates

*Annual Percentage Yield (APY) is accurate as of last dividend declaration date (the first business day of every month). Balance of $50.00 is required to open an account and to receive stated APY.

 
Dividend Rate
Annual Percentage Yield
Individual Savings Accounts
Savings Account
1.40%
1.41%
All Purpose Account
1.40%
1.41%
Individual Retirement Accounts
Traditional
1.45%
1.46%
Roth
1.45 %
1.46%


Loan Rates - Some Restrictions Apply - Membership Required

Annual Percentage Rate
Education Loan (Some conditions apply)
8.50%
Unsecured Loan (Borrow up to $10,000)
13.00%
VISA Platinum Card (Fixed Rate)
11.96%
VISA Classic/Gold or Secured Card
(VISA cash advance 3% of cash advance amount or $3.00 minimum)
12.96%
Computer Loan
11.00%
Savings or Stock Secured
4.40%
Savings or Stock Secured Monthly Payment Loan
5.40%
Real Estate Loans with NO CLOSING COSTS in Connecticut - See Footnotes
Home Equity Lines of Credit
3.25%
Fixed Rate Equity Loan »» 5 years
5.50%
Fixed Rate Equity Loan »» 6 -10 Years
6.00%
Fixed Rate Equity Loan »» 11 - 15 Years
6.50%
   
Real Estate Loans - Closing Costs Apply - See Footnotes
 
First Mortgage Refinanced »»5 to 15 Years
5.25%
First Mortgage Refinanced »»16 to 20 Years 5.50%
APPLY NOW - HERE!


Auto Loans Apply Here
Personal Loans Apply Here
Secured Loans Apply Here
Visa Application
Home Mortgages:

     • Purchase a Home? » Click Here
     • Refinance Your Home? » Click Here    
     • Home Equity Lines of Credit ( HELOC) ? » Click Here

 

Footnotes

The rate is PRIME and is variable. PRIME RATE is currently at 3.250% APR, as published in the Wall Street Journal.  Subject to change at any time. Rate cannot be higher than 16%. (For NEW PBEF Credit Union HELOCs ONLY); Credit Union Refinanced HELOCs are NOT eligible.
Offer available only in Connecticut, Westchester, Putnam and Dutchess Counties, NY on owner-occupied properties.
The Credit Union will pay 100% of closing costs for CT properties and the first $600 of closing costs for NY properties (estimated closing costs in NY State are $1,850.00 based on a borrowed amount of $50,000.00).
Check with your tax advisor, the interest you pay on your loan may be tax deductible.

 

Payment Examples for a $1,000 Mortgage or Home Equity Loan

Interest Rate
Term
 
60 months
120 months
180 months
4.75%
18.76
10.48
7.78
5.00%
18.87
10.61
7.91
5.25%
18.99
10.73
8.04
5.50%
19.10
10.85
8.17
5.75%
19.22
10.98
8.30
6.00%
19.33
11.10
8.44
6.25%
19.45
11.23
8.57
6.50%
19.57
11.35
8.71
6.75%
19.68
11.48
8.85
7.00%
19.80
11.61
8.99
7.25%
19.92
11.74
9.13

Auto Loan Rates

New, Pre-Owned or Refinanced
Great Auto Loan Rates and Terms are just a click away!

Click Here to Pre-Qualify


Auto Loan Rates for Models 2005 - or Newer
Term
Rate
Your Qualifications
24 Months - 36 Months
4.00%
48 Months - 60 Months
4.50%
Up to 72 Months
5.00%
E-Z 84 Months
5.50%
How Much is that Used Car or Truck?
Click Here for NADA's Used Vehicle Pricing Handbook

Auto Loan Rates for Models 2003 - 2004
Term
Rate
Your Qualifications
24 Months
7.50%
36 Months
7.50%
48 Months
8.00%
   
How Much is that Used Car or Truck?
Click Here for NADA's Used Vehicle Pricing Handbook *

* By clicking the links above you are leaving the Pitney Bowes Employees Federal Credit Union website. The website you are linking to is not operated by the PBEFCU. We are not responsible for any content or information posted to this external website. PBEFCU is not responsible for, nor do we represent you or the external website if you enter into any agreements. Privacy and Security policies may differ between our website and the external site.

Motorcycle Loan

Term
Rate
Your Qualifications
48 Months
12.00%
   
 
Footnotes
Minimum Auto Loan Amount for: 48 - 60 Months =$8,000 - 72 Months =$20,000
"MINIMUM AUTO LOAN AMOUNTS" - 48 OR 60 months = $8,000. 72 months = $20,000.
E-Z "84 MONTH TERM" - The Credit Union will finance up to 100% of the value of a NEW vehicle including tax, registration and warranties with a minimum loan amount of $30,000.


RATES ARE SUBJECT TO CHANGE ANY TIME.