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Special Promotions
Quick Pay Mortgage

Advertised Annual Percentage Rates (APR) with 0 points as of 2/19/14 and available for qualifying properties with a loan-to-value ratio (LTV) of 80% or less. A minimum credit score of 675 is required for all borrowers. Maximum loan amount for these rates is $417,000. Other rates and terms available. Property insurance (and flood insurance if applicable) required. Account subject to individual approval. Rates and APRs subject to change without notice. 1-2 family owner-occupied properties only. *Second homes and condos ok, subject to eligibility. Refinance of a PCU loan must reduce remaining term by at least 3 years. Repayment examples: 7 years - $13.10 per $1,000 borrowed for 84 months; 10 years - $9.59 per $1,000 borrowed for 120 months; 15 years - $6.88 per $1,000 borrowed for 180 months; 20 years - $5.93 per $1,000 borrowed for 240 months. Equal Housing Lender.

 

 

Spectrum Home Loan

Existing Pawtucket Credit Union Spectrum Home Loans are not eligible for this promotion. 2.95% APR available for qualifying properties, first lien position equity, with a loan-to-value (LTV) of 80% or less, and a maximum repayment period of 144 months. A minimum credit score of 675 is required for all borrowers. Advertised APR is lowest available (as of 2/19/14). Other rates and terms available. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. Account subject to individual approval. 1-4 family owner-occupied primary residence properties only. Repayment example: $8.26 per $1,000 borrowed, based on 2.95% APR, 144 monthly payments. Equal Housing Lender.

 

 

Home Equity Lines Of Credit

Advertised Introductory 1.99% Annual Percentage Rate (APR) is the lowest available, is fixed for the first 12 months requiring an initial disbursement of $25,000 or more immediately after 3-day rescission period. Offer applicable for applicants with a credit score of 700 or higher. After initial 12 monthly billing cycles, rate becomes variable based on Prime, with a floor of 4.00% (4.00% APR as of 2/19/14). Interest rate and line amount determined by individual creditworthiness and loan-to-value ratio. Account subject to individual approval. 1-4 family, owner-occupied, primary residence properties only. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. APR will not exceed 21% or fall below 4.00%. No annual fee for first year, then $50 per year. Existing PCU home equity lines/loans are not eligible for refinance with this promotion. Equal Housing Lender.

 

 

 

 
 
ncua Your savings federally insured to at least $250,000 and backed by
the full faith and credit of the United States Government. National
Credit Union Administration, a U.S. Government Agency.
© 2012 Pawtucket Credit Union, 1200 Central Avenue, Pawtucket, Rhode Island 02861
Pawtucket Credit Union is an Affirmative Action / Equal Opportunity Employer.
401-722-2212 or 800-298-2212 equal housing logoEqual Housing Lender. Equal Opportunity Lender.