Loan Rates

Effective December 19, 2024

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.

Vehicle, Motorcycle and Motorhomes (New 2024, 2025) <10,000 miles1
12-36 mo. 5.500% to 15.000% APR*
37-48 mo. 5.500% to 15.000% APR*
49-60 mo. 5.500% to 15.000% APR*
61-72 mo. 6.500% to 16.000% APR*
73-84 mo. 6.750% to 16.250% APR*
Vehicle, Motorcycle and Motorhomes (2018 - 2024)1
12-36 mo. 5.750% to 15.250% APR*
37-48 mo. 6.500% to 16.000% APR*
49-60 mo. 6.625% to 16.125% APR*
61-72 mo. 7.125% to 16.625% APR*
Vehicle, Motorcycle and Motorhomes (2017 & older)1
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*
New ATVs/Pull-along Trailers/Campers/Boats & Motorhomes over 72 month term and over $10,0001
up to 120 mo. 6.990% to 16.490% APR*
Used ATVs/Pull-along Trailers/Campers/Boats & Motorhomes over 72 month term and over $10,0001
up to 72 mo. 6.990% to 16.490% APR*

Mortgages

Call (814) 863-0549 or mortgages@pennstatefederal.com or visit our mortgages page

1st Lien Home Equity
Term Interest Rate APR*
60 mo. 5.875% 6.503%
84 mo. 5.990% 6.451%
120 mo. 6.240% 6.576%
180 mo. 6.500% 6.740%
2nd Lien Home Equity
Term Interest Rate APR*
12-60 mo. 6.375% 7.006%
61-84 mo. 6.490% 6.954%
85-120 mo. 6.740% 7.079%
Home Equity Lines of Credit4
Term Interest Rate APR*
180 mo. 7.000% 7.242%
Regular Share Secured12-60 mo. 5.25% APR*
Share Certificate Secured (No minimum)Share Certificate term @ 2.25% + Share Certificate APR**
Installment
1-60 mo. 9.99% to 18.00% APR*
Access Credit Line2 Based on 60 mo. 10.00% variable APR*
Platinum Visa Rewards Credit Card8.90% to 17.90% APR*
Share Secured Visa Platinum Rewards Credit Card8.90% to 17.90% APR*

Additional Resources

Payment Calculator (external website)

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 5.500% APR* would have monthly payments of $30.20 per $1,000 borrowed. A 48 month loan at 5.750% APR* would have monthly payments of $23.38 per $1,000 borrowed. A 60 month loan at 6.250% APR* would have monthly payments of $19.46 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
A 60 month loan at 5.875% would have monthly payments of $481.95 per $25,000 borrowed. An 84 month loan at 5.990% would have monthly payments of $365.12 per $25,000 borrowed. A 120 month loan at 6.240% would have monthly payments of $280.61 per $25,000 borrowed. A 180 month loan at 6.500% would have monthly payments of $217.82 per $25,000 borrowed.
2nd Lien Home Equity Loan Payment Examples
A 60 month loan at 6.375% would have monthly payments of $487.78 per $25,000 borrowed. An 84 month loan at 6.490% would have monthly payments of $371.14 per $25,000 borrowed. A 120 month loan at 6.740% would have monthly payments of $286.97 per $25,000 borrowed.

1Loan term is dependent on model year and NADA value.

2Interest rate is adjustable based on the Wall Street Journal Prime Rate plus 2.50% and a maximum rate of 18.00% APR*.

4Interest rate is adjustable based on the Wall Street Journal Prime Rate minus .50%. There is a minimum rate floor of 3.50% APR* and a maximum rate of 18.00% APR*.

*APR denotes Annual Percentage Rate.

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.