WHAT TYPE OF LOAN ARE YOU LOOKING FOR?

Auto Loans are ideal if you are considering purchasing a new or used vehicle, but do not have all the cash on hand. 

Terms up to 84 months (some restrictions apply)

  • Competitive rates 

  • Up to 100% financing for qualified members

  • Easy online application

  • No application or processing fee

Home Equity Loans are ideal if you are starting to get serious about your home to-do list. We have flexible options to help with that list like

  • Flexible term options- Lump sum loans or revolving lines of credit (Some restrictions apply)

  • Up to 90% financing for qualified members

  • Easy online application

  • No application or processing fee

Mortgage loans are offered through our partnership with Member First Mortgage, a full service mortgage lender with more than 50 years of combined experience. We offer mortgage loans for as few as seven years and up to thirty years. Apply Here!

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•Saves you time with an easy application process and pre-approval options
•Flexible terms
•Wide variety of mortgage types

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Personal loans are ideal if you have a situation where you need access to money sooner rather than later. There are many different scenarios in which you may need a personal loan. Whatever stage in life you're in, we have the right loan for you.

Boat/RV loans are ideal if you are ready for a little adventure! Whether it is that boat you have your eye on or an RV for your family camping trips, PSCU is here to help finance your fun.

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CREDIT CARDS

Pay Down Balances

Visa® Platinum Card

Save on interest with a great low introductory rate for an extended time. Pay down other credit card balances faster with this non-rewards card.

Rewards to Use The Way You Want

Visa® Real Rewards Card

Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).(5) Plus, earn 2,500 bonus rewards points after your first purchase.(3) There is no limit on the total cash back you can earn, and you have five years to redeem for rewards.

Visa®/Mastercard Max Cash Preferred Card

Visa® College Real Rewards Card

Earn 1.5 points monthly for every dollar you spend on eligible net purchases.(5) There’s no cap or limit on the points you can earn, plus you have five years to redeem points for rewards.(4) 2,500 bonus rewards points awarded after first purchase(3), redeemable for $25 cash back, merchandise, gift cards or travel saving.

Visa® Secured Card

Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. If you need to improve or re-establish your credit history(8), here's a great way to begin that process. Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account.

 

1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.

2 Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.

3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.

4 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

5 Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

6 Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.

7 Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.

8 Late payments and going over the credit limit may damage your credit history. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

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LOAN INSURANCE

GAP Coverage: covers the financial debt between what is owed on a loan and what the insurance company will pay in the event the automobile is stolen or declared a total loss before the loan is paid off. Make sure to ask about the cost for this awesome coverage and how it can be incorporated into your auto loan. 

We now offer Auto Deductible Assistance with your GAP coverage... for $499, you can have it all! Roll it into your auto loan to make sure you have the best coverage!

 

Mechanical Repair Coverage

When you find the car you love, you'll no doubt want to protect it. PSCU can help you protect your new or pre-owned vehicle with Mechanical Repair Coverage (MRC). With MRC, you'll no longer have to worry about how you'll pay repair expenses not covered by your manufacturer warranty. Plus, you can choose the term, mileage limit and deductible that meet your needs and fit your budget. You pay only the deductible amount you select – $0, $100, $250 or $500. Click here for more!