Loan Rates

Union Pacific
“A Division of Pacific Transportation Federal Credit Union”
The following rates are the lowest rates offered based on approved credit.
Effective January 1, 2020

New Autos 2020 Models
36 Months 2.24% APR*
48 Months 2.49% APR*
60 Months 2.99% APR*
72 Months 3.24% APR*
84 Months 4.24% APR*
Used Autos 2015 – 2019 Models
36 Months 2.49% APR*
48 Months 2.74% APR*
60 Months 3.24% APR*
72 Months 3.49% APR*
84 Months 4.49% APR*
 $10,000 minimum loan amount for 60 months
$15,000 minimum loan amount for 72 months
$20,000 minimum loan amount for 84 months
Watercraft/Recreational Vehicles 2015 – 2020 Models
24 Months 8.00% APR*
36 Months 8.25% APR*
48 Months 8.50% APR*
60 Months 8.75% APR*
72 Months 9.00% APR*
84 Months 9.50% APR*
96 Months 10.00 APR*
120 Months 10.50 APR*
180 Months 11.00 APR*
$10,000 minimum loan amount for 60 months
$15,000 minimum loan amount for 72 months
$25,000 minimum loan amount for 84 months
$35,000 minimum loan amount for 96 months
$50,000 minimum loan amount for 120 months
$75,000 minimum loan amount for 180 months
New/Used Motorcycle Loans 2015 – 2020 Models
48 Months 6.49% APR*
60 Months 6.49% APR*
72 Months 6.49% APR*
84 Months 7.49% APR*
$5,000 minimum loan amount for 48 months
$10,000 minimum loan amount for 60 months
$15,000 minimum loan amount for 72 months
$20,000 minimum loan amount for 84 months
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
Any Day Loan
6 Months 18.00% APR*
$1,000 maximum loan amount
MasterCard® with rates as low as 8.95% 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.