Loan Rates


Title Loans - Auto / Motorcycle / ATV / Camper / Boats

Loan Type Conditions Term APR*
New & Used Vehicles
20% down
80% of Sticker Price or NADA/CPI Retail Value 36 mos.
48 mos.
60 mos.
72 mos.**
1.99%
2.49%
2.99%
3.99%
New & Used Vehicles
0% down
100% of Sticker Price or NADA/CPI Retail Value 36 mos.
48 mos.
60 mos.
72 mos.**
2.49%
2.99%
3.49%
4.49%
Older Auto
(not in NADA/CPI book)
20% down
80% of Older Used Car NADA Book Retail Value 24 mos. 6.99%
Older Auto
(not in NADA/CPI book)
0% down
100% of Older Used Car NADA Book Retail Value 24 mos. 7.49%

*Annual Percentage Rate. Loan rates are subject to change at any time. Loan limits exclude Credit Disability Insurance (i.e. loan limit + CDI). New loans will have priority over refinances from other institutions for new lower rates. PALCO loans cannot be refinanced for a lower rate. Model year updated in September. **New vehicles only, unless financing $40,000.00 or more.


Home Equity Line of Credit

Description Term APR*
Home Equity Line of Credit 10 years (120 Months) 5.00%

* Annual percentage rate. $200.00 application fee. This is the current adjustable rate. Home equity rates can change every six months up to one full percentage point. 26 week T-bill + 2% with floor of 5%. Loan limits exclude Credit Disability Insurance (i.e. loan limit + CDI).


Home Equity Fixed Rate Loan

Description Term APR*
Home Equity Fixed Rate 4 years or less 2.99%
Home Equity Fixed Rate Up to 7 years 3.49%
Home Equity Fixed Rate Up to 10 years 3.99%

* Annual percentage rate. $400 application fee. Loan amount based on equity in home (80% of appraised value less 1st mortgage) and the ability to pay. Minimum loan is $5,000.00 and maximum loan amount is $80,000.00. PALCO must be at least 2nd leinholder on the property. Contact the loan department for complete details. Loan limits exclude Credit Disability Insurance (i.e. loan limit + CDI).


Personal Signature & VISA® Loan Rates

Description Term APR*
Personal Signature Line up to $25,000.00 1-60 Months 11.00%
VISA® Classic Credit Card line up to $25,000.00 2.50%, min. $10.00 8.90%
VISA® Rewards Credit Card line up to $25,000.00 2.50%, min. $10.00 13.90%
Vacation Helper Loan Special up to $5,000.00** 12 Months 6.75%
Vacation Helper Loan Special up to $5,000.00** 18 Months 7.00%
Holiday Helper Loan Special up to $3,000.00*** 12 Months 6.00%

*Annual Percentage Rate. Loan rates are subject to change at any time. Loan limits exclude Credit Disability Insurance (i.e. loan limit + CDI). Combination of all unsecured loans cannot exceed a total of $25,000.00.**Available only between April 1st and August 31st. ***Available only between October 1st and January 31st.


Share Secured

Description Term APR*
Share Secured Loan - 36 Months 1-36 Months 3.00%
Share Secured Loan - 60 Months 37-60 Months 4.00%
Share Secured Loan - 120 Months 61-120 Months 6.00%

*Annual Percentage Rate. Loan rates are subject to change at any time. Loan limits exclude Credit Disability Insurance (i.e. loan limit + CDI).


Certificate Secured

Description Term APR*
Certificate Secured Loan - 36 Months Negotiable 2.0% above certificate rate

*Annual Percentage Rate. Loan rates are subject to change at any time. Loan limits exclude Credit Disability Insurance (i.e. loan limit + CDI).