Mature woman and younger woman laughing together outside

Loan Rates

Featured Loan Rates


Auto Loans
as low as

4.50%APR*
1st Lien 
Home Equity Loans 
60 Months
5.875%APR*
No Application Fee
Limited-Time Offer
Installment Loans
as low as

9.99%APR*
Platinum Visa Rewards Credit Card
as low as
8.90%APR*
Effective March 10, 2025

Lending Rate Disclosure
Your rate on these products may vary and will be determined by the number of years your loan is financed plus your credit score.
Rates are set by the Board of Directors and are subject to change.
Term Rates
12-36 mo. 4.500% to 14.000% APR*
37-48 mo. 4.750% to 14.250% APR*
49-60 mo. 4.990% to 14.490% APR*
61-72 mo. 6.500% to 16.000% APR*
73-84 mo. 6.750% to 16.250% APR*
Term Rates
12-36 mo. 5.500% to 15.000% APR*
37-48 mo. 6.250% to 15.750% APR*
49-60 mo. 6.375% to 15.875% APR*
61-72 mo. 7.125% to 16.625% APR*
Term Rates
12-24 mo. 6.500% to 16.000% APR*
25-36 mo. 7.000% to 16.500% APR*
37-60 mo. 7.500% to 17.000% APR*
Term Interest Rate APR*
Up to 60 mo. 5.500% 15.000%
61-72 mo. 6.500% 16.000%
73-84 mo.  6.750% 16.250%
85-120 mo. 6.990% 16.490%
Term Interest Rate APR*
Up to 36 mo 5.750% 15.250%
37-48 mo. 6.500% 16.000%
49-60 mo. 6.625% 16.125%
61-72 mo. 7.125% 16.625%
Term Rates
up to 60 mo. 6.990% to 16.490% APR*
Term Rates
up to 60 mo. 8.990% to 18.000% APR*
Call (814) 863-0549 or mortgages@pennstatefederal.com or visit our mortgages page.
Term Interest Rate APR*
60 mo. 5.875% 5.875%
84 mo. 5.990% 5.990%
120 mo.  6.000% 6.000%
180 mo. 6.375% 6.375%
Term Interest Rate APR*
12-60 mo. 6.375% 6.375%
61-84 mo. 6.490% 6.490%
85-120 mo.  6.500% 6.500%
Term Interest Rate APR*
180 mo. 7.000% 7.000%
Term APR*
1-60 mo. 9.99% to 18.00% APR*
Access Credit Line4 Based on 60 mo. 10.00% variable APR*
Platinum Visa Rewards Credit Card 8.90% to 17.90% APR*
Share Secured Visa Platinum Rewards Credit Card 8.90% to 17.90% APR*
Regular Share Secured 12-60 mo. 5.25%
Share Certificate Secured -- No minimum Share Certificate term @2.25% + Share Certificate APR*
 

Additional Resources


Examples

Installment Loan Payment Examples
A 24 month loan at 9.990% APR* would have monthly payments of $46.15 per $1,000 borrowed. A 36 month loan at 9.990% APR* would have monthly payments of $32.27 per $1,000 borrowed. A 48 month loan at 9.990% APR* would have monthly payments of $25.36 per $1,000 borrowed. A 60 month loan at 9.990% APR* would have payments of $21.25 per $1,000 borrowed.

Auto Loan Payment Examples
A 36 month loan at 4.50% APR* would have monthly payments of $29.75 per $1,000 borrowed. A 48 month loan at 4.75% APR* would have monthly payments of $22.92 per $1,000 borrowed. A 60 month loan at 4.99% APR* would have monthly payments of $18.87 per $1,000 borrowed  A 72 month loan at 6.500% APR* would have monthly payments of $16.82 per $1,000 borrowed. An 84 month loan at 6.750% APR* would have monthly payments of $14.98 per 1,000 borrowed.

1st Lien Home Equity Loan Payment Examples -- No Application Fee. Limited-Time Offer.
A 60 month loan at 5.875% APR* would have monthly payments of $1,927.16 per $100,000 borrowed. An 84 month loan at 5.990% APR* would have monthly payments of $1,460.17 per $100,000 borrowed. A 120 month loan at 6.000% APR* would have monthly payments of $1,110.12 per $100,000 borrowed. A 180 month loan at 6.375% APR* would have monthly payments of $864.61 per $100,000 borrowed. 

2nd Lien Home Equity Loan Payment Examples -- No Application Fee. Limited-Time Offer.
A 60 month loan at 6.375% APR* would have monthly payments of $1,950.42 per $100,000 borrowed. An 84 month loan at 6.490% APR* would have monthly payments of $1,484.24 per $100,000 borrowed. A 120 month loan at 6.500% APR* would have monthly payments of $1,135.38 per $100,000 borrowed. 

 
*APR denotes Annual Percentage Rate.
1Loan term is dependent on model year and NADA value.
2Interest rate is variable based on the Wall Street Journal Prime Rate minus 0.50%. There is a minimum rate floor of 3.50% and a maximum rate of 18.00%.
3The Credit Union may pay third party fees on your behalf. If we do, and you pay off your home equity loan within 36 months, you agree to reimburse us for the actual amount of bona fide third-party fees paid, as permitted by applicable law. 
4Interest rate is variable based on the Wall Street Journal Prime Rate plus 2.50% and a maximum rate of 18.00%.

Although this site is intended to be accurate, rate listings are for informational purposes only. All rates are subject to change without notice. Please contact Penn State Federal for a rate quote.

Penn State Federal is an Equal Housing Lender - We do business in accordance with federal fair housing law and the Equal Credit Opportunity Act.