Loan Rates

Union Pacific
“A Division of Pacific Transportation Federal Credit Union”
The following rates are the lowest rates offered based on approved credit.

New Autos 2021 Models
36 Months 2.24% APR*
48 Months 2.49% APR*
60 Months 2.99% APR*
72 Months 3.24% APR*
Used Autos 2016 – 2020 Models
36 Months 2.49% APR*
48 Months 2.74% APR*
60 Months 3.24% APR*
72 Months 3.49% APR*
 $10,000 minimum loan amount for 60 months
$15,000 minimum loan amount for 72 months 
New Recreational Vehicles  2021 Models
84 Months 8.50% APR*
 Used Recreational Vehicles 2016 – 2020 Models
84 Months 9.50% APR*
New Trailers 2021 Models
60 Months 8.50% APR*
Used Trailers Vehicles 2016 – 2020 Models
60 Months 9.50% APR*
New Motorcycle 2021 Models
60 Months 7.50% APR*
Used Motorcycle 2016 – 2020 Models
60 Months 8.50% APR*
New Watercraft 2021 Models
60 Months 7.50% APR*
Used Watercraft 2016 – 2020 Models
60 Months 8.50% APR
Personal Loans
24 Months 9.00% APR*
36 Months 10.00% APR*
48 Months 10.50% APR*
60 Months 11.00% APR*
$500 minimum loan amount
$10,000 maximum loan amount
MasterCard® with rates as low as 8.90% APR*

*APR = Annual Percentage Rate.

Contact Union Pacific “A Division of Pacific Transportation Federal Credit Union” for a copy of the Disclosures & Agreements.  Loan approval, term, and rate are based on a verification of income and an evaluation of your creditworthiness and collateral.