Loans

PCU gives you the means to achieve
your financial goals . . .

No matter what your plans, they always seem to require money.
Buying a new car, truck or van, improving your home or buying a new one, sending a loved one off to college . . .
regardless of your needs, your credit union has a loan program that fits.

Credit Union Loans offer you competitive rates, easy application and quick access to funds. Check with your
Credit Union Loan Officer for a lending solution customized to fit your needs and budget. Call (314) 982-4555 or
(877) DIAL PCU, (877-342-5728). After hours and wish to apply for a loan? No problem!
Just call PCU Loans-24 toll free at (866) 723-8396.

Real Estate Loans

Your Credit Union Membership begins with your share savings account. It is the perfect place to save for any purpose because the more you save, the more you earn. By opening it and maintaining a balance of $25 or more, you become a Member/Owner and are eligible for all Credit Union products and services.

Mortgage Loans
Your Credit Union offers timely approvals and competitive rates that can save you money.

simple pre-qualification and fast approval processes

choice of fixed rate terms of 15, 20, and 30 years

wide assortment of adjustable rate loans

Home Equity Lines Of Credit
Take advantage of the equity you have established in your home and use a revolving line of credit secured by your home that gives you immediate access to your money. (Currently available in the St. Louis Metropolitan Area – Missouri and Metro East.) Access is as easy as writing a home equity check, transferring funds on-line or making a quick phone call.

The low rate and possible tax advantages make it a very popular source of funds for homeowners.

closing costs and fees are paid for you by PCU with a minimum $5,000 initial advance

free home equity access checks

credit line is replenished as loan is paid down (there is a ten year draw period)

a low adjustable rate – Prime for the 1st year, then:

1% over Prime Rate for balances under$25,000

0.5% over prime with balances of $25,000 or more

Interest is charged only on amounts in use

Interest may be 100% tax deductible...consult your tax advisor

Vehicle Loans

Make your best deal armed with a pre-approved loan and vehicle research - both supplied by your credit union. You know up front what you can afford, what the vehicle is worth and you can negotiate a "cash" purchase. And, if you prefer, you may finance through PCU/ECU directly at any one of over 200 area dealerships!

New & Used Auto Loans

24 - 72 month terms available/new autos. 24 – 60 month terms available/used auto.

100% financing of the MSRP (new vehicles) or the NADA average retail value (used vehicles)

easy payment options and no pre-payment penalty

low rates AND simple interest save you money

Boat and RV Loans
In addition to financing cars and trucks, Members on the go know that PCU can finance any vehicle including boats and RVs – even motorcycles and jet skis! In addition, you may finance through PCU directly at any of the following area boat/RV or motorcycle/ATV dealerships.

Just as with auto loans, you can negotiate the best price if you have your loan pre-approved.

Personal Loans

PCU has personal loans for any purpose – travel, appliance purchase, computer purchase, holiday gift giving – you name it!

Personal Loans
These installment loans are granted for a set period of time based on the Member’s credit history, character and ability to repay.

low fixed rate that beats average credit card rates

loan amounts up to a maximum of $10,000

no pre-payment penalties

quick application by phone for members in our LoanLiner Program

Personal Lines of Credit
Many Members choose to establish personal lines of credit for those occasions when their cash inflow doesn’t equal their cash outflow – including accidental checking account overdrafts.

These loans let you draw from a pre-approved pool of funds for any reason you feel necessary. Access is as fast and easy as writing a credit union check tied to a loan overdraft source or requesting an advance by phone.

low fixed rate that beats average credit card rates

credit lines available to a maximum of $10,000

interest is charged only on amounts in use

funds may be accessed through an ATM advance

no annual fee or start up costs

Stock Secured & Savings Secured Loans

Members can borrow money at low rates using directly held stocks or Savings (Regular Share Accounts or CDs held at this Credit Union) as collateral.

VISA^® Credit Cards

You appreciate the simple things in life so we offer the "no gimmick" credit card. It gives you access to millions of merchants worldwide that accept VISA^® cedit cards and the ability to get cash advances at VISA^® financial institutions or ATMs bearing the Cirrus symbol across the globe. If you would like to see a copy of our credit card agreement, simply call us at (314) 982-2888 or toll free at (877) 342-5728. We are happy to send it to you.

no annual fee
no short-term, introductory rates or fee waivers
same low, fixed rate of interest charged on all purchases and cash advances
full 25 days to pay the statement balance in full before interest is charged to the account
convenient automatic payment option available from checking or savings
Verified by VISA^® to deter unauthorized card usage -- REGISTER your card
$250,000 travel accidental death insurance at no additional cost
check your credit card account or make a payment online at EZCardInfo.com

PCU loans feature these added benefits:

LoanLiner Application Process – fill out only one blanket agreement/application with us – ever!
Once your LoanLiner file is established, just call your Lending Representative to request an advance in the form of a personal or installment loan.

No Loan Application Fees – on consumer or home equity loans (with a minimum initial balance).

Convenient, Easy Repayment Options – choose payroll deduction, automatic payment from a Credit Union account, or coupon payment.

Credit Life & Disability Insurance – offered through CUNA Mutual Insurance Society, a provider of insurance coverage to Credit Union Members for over 60 years.

Free CALL-24 Service – call our phone system anytime to check rates, get a balance, make payments from a PCU checking or savings account, or compute possible loan payments based on current rates and terms.

Free CLICK-24 Service – our online, anytime system to check rates, get a balance, make payments from a PCU checking or savings account, or compute possible loan payments based on current rates and terms.

Lower Loan Rates – because PCU is a Member owned, not-for-profit financial cooperative, you benefit from lower rates and fees on our loans. We don't need to charge you high fees in order to pay stockholders.

No Pre-Payment Penalty – you are never charged a fee for paying off a loan earlier than expected.

Loan Hotline:
(314) 982-4555
(877) DIAL PCU toll free, (877-342-5728)