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 Origination Fee
Limited-Time Offer
Installment Loans
as low as

9.99%APR*
Platinum Visa Rewards Credit Card
as low as
8.90%APR*
Effective June 2, 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 as low as
Up to 36 months 4.500% APR*
37-48 months 4.750% APR*
49-60 months 4.990% APR*
61-72 months 6.500% APR*
73-84 months 6.750% APR*

*APR=Annual Percentage Rate. Valid on New 2025 and 2024 vehicle and motorcycle loans less than 10,000 miles. Rates as low as APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum APR is 4.500%. Maximum APR is 16.250%. Pre-Approval effective for 60 days once the loan is approved. No other loan discounts apply. Other rates and terms available. Loan rates dependent on applicant’s credit history, vehicle year, make, model and NADA value. All loans require title lien and full coverage insurance. Rates, terms and information are subject to change without notice at any time.  A 60-month loan at 4.990% APR would have monthly payments of $18.87 per $1,000 borrowed. Your payment may be different from the example shown. 

Term Rates as low as
Up to 36 months 5.500% APR*
37-48 months 6.250% APR*
49-60 months 6.375% APR*
61-72 months
7.125% APR*
*APR=Annual Percentage Rate. Valid on Used 2018 to 2024 vehicle and motorcycle loans. Rates as low as APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum APR is 5.500%. Maximum APR is 16.625%. Pre-Approval effective for 60 days once the loan is approved. No other loan discounts apply. Other rates and terms available. Loan rates dependent on applicant’s credit history, vehicle year, make, model and NADA value. All loans require title lien and full coverage insurance. Rates, terms and information are subject to change without notice at any time. A 60-month loan at 6.375% APR would have monthly payments of $19.52 per $1,000 borrowed. Your payment may be different from the example shown.
Term Rates as low as
Up to 24 months 6.500% APR*
25-36 months 7.000% APR*
37-60 months 7.500% APR*
*APR=Annual Percentage Rate. Valid on Used 2017 and older vehicle and motorcycle loans. Rates as low as APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum APR is 6.500%. Maximum APR is 17.000%. Pre-Approval effective for 60 days once the loan is approved. No other loan discounts apply. Other rates and terms available. Loan rates dependent on applicant’s credit history, vehicle year, make, model and NADA value. All loans require title lien and full coverage insurance. Rates, terms and information are subject to change without notice at any time. A 60-month loan at 7.500% APR would have monthly payments of $20.05 per $1,000 borrowed. Your payment may be different from the example shown. 
Term  Rates as low as
Up to 60 months 5.500% APR*
61-72 months 6.500% APR*
73-84 months 6.750% APR*
85-120 months 6.990% APR*
*APR=Annual Percentage Rate. Valid on New Pull-Along Camper and Motorhome loans. Rates as low as APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum APR is 5.500%. Maximum APR is 16.490%. Pre-Approval effective for 60 days once the loan is approved. No other loan discounts apply. Other rates and terms available. Loan rates dependent on applicant’s credit history, vehicle year, make, model and NADA value. All loans require title lien and full coverage insurance. Rates, terms and information are subject to change without notice at any time. A 60-month loan at 5.500% APR would have monthly payments of $19.11 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. A 120-month loan at 6.990% APR would have monthly payments of $11.61 per $1,000 borrowed. Your payment may be different from the examples shown.
Term Rates as low as
Up to 36 months 5.750% APR*
37-48 months 6.500% APR*
49-60 months 6.625% APR*
61-72 months 7.125% to APR*
*APR=Annual Percentage Rate. Valid on Used Pull-Along Camper and Motorhome loans. Rates as low as APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum APR is 5.750%. Maximum APR is 16.625%. Pre-Approval effective for 60 days once the loan is approved. No other loan discounts apply. Other rates and terms available. Loan rates dependent on applicant’s credit history, vehicle year, make, model and NADA value. All loans require title lien and full coverage insurance. Rates, terms and information are subject to change without notice at any time. A 36-month loan at 5.750% APR would have monthly payments of $30.32 per $1,000 borrowed. A 48-month loan at 6.500% APR would have monthly payments of $23.73 per $1,000 borrowed. A 60-month loan at 6.625% APR would have monthly payments of $19.63 per $1,000 borrowed. A 72-month loan at 7.125% APR would have monthly payments of $17.12 per $1,000 borrowed. Your payment may be different from the examples shown. 
Term Rates as low as
Up to 60 months 6.990% APR*
*APR=Annual Percentage Rate. Valid on New Powersports (ATVs/Boats/Side by Sides/Dirt Bikes/Jet Skis/Snowmobiles) loans. Rates as low as APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum APR is 6.990%. Maximum APR is 16.490%. Pre-Approval effective for 60 days once the loan is approved. No other loan discounts apply. Other rates and terms available. Loan rates dependent on applicant’s credit history, vehicle year, make, model and NADA value. All loans require title lien and full coverage insurance. Rates, terms and information are subject to change without notice at any time. A 60-month loan at 6.990% APR would have monthly payments of $19.81 per $1,000 borrowed. Your payment may be different from the example shown. 
Term Rates as low as
Up to 60 months 8.990% APR*
*APR=Annual Percentage Rate. Valid on Used Powersports (ATVs/Boats/Side by Sides/Dirt Bikes/Jet Skis/Snowmobiles) loans. Rates as low as APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum APR is 8.990%. Maximum APR is 18.000%. Pre-Approval effective for 60 days once the loan is approved. No other loan discounts apply. Other rates and terms available. Loan rates dependent on applicant’s credit history, vehicle year, make, model and NADA value. All loans require title lien and full coverage insurance. Rates, terms and information are subject to change without notice at any time.  A 60-month loan at 8.990% APR would have monthly payments of $20.76 per $1,000 borrowed. Your payment may be different from the example shown.
Call (814) 863-0549, email mortgages@pennstatefederal.com or visit our mortgages page.
Term Rates APR*
60 months 5.875% 5.875%
84 months 5.990% 5.990%
120 months 6.000% 6.000%
180 months 6.375% 6.375%
*APR=Annual Percentage Rate. Loan-to-value may not exceed 80%. Penn State Federal must be first lien holder on the property. Minimum loan amount of $10,000. Loan amount subject to credit approval. Rates subject to change at any time. No other discounts apply. Home Equity loans are available only on residences in Pennsylvania. The Credit Union may pay third party fees on your behalf. If we do, and you pay off and close 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.  A 60-month loan at 5.875% APR would have a monthly payment of $1,927.88 per $100,000 borrowed. An 84-month loan at 5.990% APR would have a monthly payment of $1,460.73 per $100,000 borrowed. A 120-month loan at 6.000% APR would have a monthly payment of $1,110.54 per $100,000 borrowed. A 180-month loan at 6.375% APR would have a monthly payment of $864.59 per $100,000 borrowed. Your payment may be different from the examples shown.
Term  Rates as low as APR* as low as
Up to 60 months 6.125% APR* 6.125% APR*
61-84 months 6.240% APR* 6.240% APR*
85-120 months 
 6.250% APR* 6.250% APR*
*APR=Annual Percentage Rate. Loan-to-value may not exceed 80%. Minimum loan amount of $10,000. Minimum APR is 6.125%. Maximum APR is 15.750%.  Rates and APR shown assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Rates subject to change at any time. No other discounts apply. Home Equity loans are available only on residences in Pennsylvania. The Credit Union may pay third party fees on your behalf. If we do, and you pay off and close 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. A 60-month loan at 6.125% APR* would have monthly payments of $1,939.66 per $100,000 borrowed. An 84-month loan at 6.240% APR* would have monthly payments of $1,472.87 per $100,000 borrowed. A 120-month loan at 6.250% APR* would have monthly payments of $1,123.33 per $100,000 borrowed. Your payment may be different from the examples shown.
Term Rate APR*
180 months 7.000% 7.000%
*APR=Annual Percentage Rate. APR based on an advance of $25,000.00 amortized over 180 months at 7.00%. Interest rate is adjustable based on the Wall Street Journal Prime Rate minus .50%. Your monthly payment and APR may vary. There is a minimum rate floor of 3.50% APR, and a maximum rate of 18.00% APR. Loan-to-value may not exceed 80%. Minimum loan amount of $5,000. Home Equity loans are available only on residences in Pennsylvania. Homeowners’ insurance is required on the property that secures the HELOC; flood insurance may also be required. The Credit Union may pay third-party fees on your behalf. If we do, and you pay off and close 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. All loan products subject to credit approval. No other discounts apply. For a better understanding of Home Equity Lines of Credit, please read: What is a home equity line of credit (HELOC)? | Consumer Financial Protection Bureau 
Term Rates as low as
Up to 60 months 9.990% APR*
*APR=Annual Percentage Rate. APR assumes excellent creditworthiness.
Term Rate Daily Periodic Rate
Based on 60 months 10.000% variable APR* 0.02747
*APR=Annual Percentage Rate. Interest rate is variable based on the Wall Street Journal Prime Rate plus 2.50% and a maximum rate of 18.00%. The minimum APR will be no lower than the margin established at the time the line of credit was opened.
Visa Credit Cards 
 Rates as low as
Platinum Rewards Credit Card 8.900% APR*
Share Secured Platinum Rewards Credit Card 8.900% APR*
*APR=Annual Percentage Rate. APR is determined by credit history. Rates for a Visa Platinum Rewards Credit Card are 8.90% APR to 17.90% APR. Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications. Cash back rewards will be posted automatically to the open share account on December 31. The Platinum Visa Rewards Credit Card must be in good standing to receive Cash Back Rewards. Good standing means the account is not past due, over limit, fraudulent, restricted or in a bankruptcy settlement. Cash Back Rewards start to accrue on approval date of the Platinum Visa Rewards Credit Card. See Platinum Rewards Credit Card Agreement for complete account details.
Term Rate
12-60 months 5.250%
*APR=Annual Percentage Rate.
Term Rate
12-60 months Share Certificate rate plus 2.250%  
Certificate of Deposit (CD) cannot mature prior to loan maturity. CD may be transferred to new CD without penalty.






 

Additional Resources

 

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.