{"id":15317,"date":"2026-02-24T23:38:03","date_gmt":"2026-02-24T23:38:03","guid":{"rendered":"https:\/\/poefcu.org\/?page_id=15317"},"modified":"2026-03-17T14:21:49","modified_gmt":"2026-03-17T14:21:49","slug":"rates","status":"publish","type":"page","link":"https:\/\/poefcu.org\/index.php\/rates\/","title":{"rendered":"Rates"},"content":{"rendered":"<div id=\"cmsmasters_row_nr5d12rb7\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_g85nq5dj7j\" class=\"cmsmasters_column one_first\">\n<div class=\"cmsmasters_column_inner\"><div id=\"cmsmasters_fb_m2qtpjema\" class=\"cmsmasters_featured_block\">\n<div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_heading_lh8kg872gu\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\">Tiers<\/h2>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_text\">\n<table class=\"bordered striped\">\n<thead>\n<tr>\n<th scope=\"col\"><strong>RATING<\/strong><\/th>\n<th scope=\"col\"><strong>CREDIT SCORE RANGE<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>A<\/td>\n<td>700+<\/td>\n<\/tr>\n<tr>\n<td>B<\/td>\n<td>650-699<\/td>\n<\/tr>\n<tr>\n<td>C<\/td>\n<td>600-649<\/td>\n<\/tr>\n<tr>\n<td>D<\/td>\n<td>550-599<\/td>\n<\/tr>\n<tr>\n<td>E<\/td>\n<td>549 OR LESS<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div class=\"cmsmasters_text\">\n<div class=\"page\" title=\"Page 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p>**VALUE IS CALCULATED BY USING THE NADA RETAIL VALUE DIVIDED BY THE BOTTOM LINE FINANCING<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_\" class=\"cmsmasters_column one_first\">\n<div class=\"cmsmasters_column_inner\">\n<div id=\"cmsmasters_divider_46xmfgtudc\" class=\"cmsmasters_divider cmsmasters_divider_width_long cmsmasters_divider_pos_center\"><\/div>\n<div id=\"cmsmasters_fb_e7fw6ikl9b\" class=\"cmsmasters_featured_block\">\n<div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_heading_laq95umktb\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\">New Vehicle Loans<\/h2>\n<\/div> Auto, Truck, and Motorcycles, Current Year Up to 2 Years Prior Under 15K Miles<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_wrap_table\"><table class=\"cmsmasters_table\"><caption><\/caption><thead><tr class=\"cmsmasters_table_row_header\"><th class=\"cmsmasters_table_cell_alignleft\">GRADE<\/th><th class=\"cmsmasters_table_cell_alignleft\">TERMS \/ REPAYMENT PERIOD<\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><\/tr><\/thead><tr><td class=\"cmsmasters_table_cell_alignleft\"><\/td><td class=\"cmsmasters_table_cell_alignleft\">24 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">36 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">48 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">60 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">72 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">84 MONTHS<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">A<\/td><td class=\"cmsmasters_table_cell_alignleft\">4.80%<\/td><td class=\"cmsmasters_table_cell_alignleft\">4.90%<\/td><td class=\"cmsmasters_table_cell_alignleft\">5.25%<\/td><td class=\"cmsmasters_table_cell_alignleft\">5.60%<\/td><td class=\"cmsmasters_table_cell_alignleft\">6.00%<\/td><td class=\"cmsmasters_table_cell_alignleft\">7.00%<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">B<\/td><td class=\"cmsmasters_table_cell_alignleft\">5.60%<\/td><td class=\"cmsmasters_table_cell_alignleft\">5.95%<\/td><td class=\"cmsmasters_table_cell_alignleft\">6.50%<\/td><td class=\"cmsmasters_table_cell_alignleft\">6.95%<\/td><td class=\"cmsmasters_table_cell_alignleft\">7.50%<\/td><td class=\"cmsmasters_table_cell_alignleft\">8.25%<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">C<\/td><td class=\"cmsmasters_table_cell_alignleft\">8.10%<\/td><td class=\"cmsmasters_table_cell_alignleft\">8.55%<\/td><td class=\"cmsmasters_table_cell_alignleft\">8.75%<\/td><td class=\"cmsmasters_table_cell_alignleft\">9.15%<\/td><td class=\"cmsmasters_table_cell_alignleft\">9.65%<\/td><td class=\"cmsmasters_table_cell_alignleft\">10.00%<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">D<\/td><td class=\"cmsmasters_table_cell_alignleft\">11.95%<\/td><td class=\"cmsmasters_table_cell_alignleft\">14.85%<\/td><td class=\"cmsmasters_table_cell_alignleft\">15.05%<\/td><td class=\"cmsmasters_table_cell_alignleft\">15.50%<\/td><td class=\"cmsmasters_table_cell_alignleft\">16.00%<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">E<\/td><td class=\"cmsmasters_table_cell_alignleft\">13.95%<\/td><td class=\"cmsmasters_table_cell_alignleft\">15.05%<\/td><td class=\"cmsmasters_table_cell_alignleft\">16.05%<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><\/tr><\/table><\/div><div class=\"cmsmasters_text\">\n<div class=\"page\" title=\"Page 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<div class=\"page\" title=\"Page 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p>**120% LTV finance on new with TTL (unless exception is made)<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_text\">\n<div id=\"cmsmasters_button_2ju9yj9xqa\" class=\"button_wrap\"><a href=\"https:\/\/poefcu.org\/index.php\/calculators\/\" class=\"cmsmasters_button\"><span> CALCULATORS<\/span><\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_i69pq0lqv1\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_8dc1wfq49\" class=\"cmsmasters_column one_first\">\n<div class=\"cmsmasters_column_inner\">\n<div id=\"cmsmasters_divider_ztjipzx2u\" class=\"cmsmasters_divider cmsmasters_divider_width_long cmsmasters_divider_pos_center\"><\/div>\n<div id=\"cmsmasters_fb_we76edyww\" class=\"cmsmasters_featured_block\">\n<div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_heading_urmbnanl52\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\">Used Vehicle Loans<\/h2>\n<\/div> Auto, Truck, and Motorcycles Up to 8 Years Old<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_wrap_table\"><table class=\"cmsmasters_table\"><caption><\/caption><thead><tr class=\"cmsmasters_table_row_header\"><th class=\"cmsmasters_table_cell_alignleft\">GRADE<\/th><th class=\"cmsmasters_table_cell_alignleft\">TERMS \/ REPAYMENT PERIOD<\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><\/tr><\/thead><tr><td class=\"cmsmasters_table_cell_alignleft\"><\/td><td class=\"cmsmasters_table_cell_alignleft\">24 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">36 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">48 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">60 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">72 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">84 MONTHS<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">A<\/td><td class=\"cmsmasters_table_cell_alignleft\">5.05%<\/td><td class=\"cmsmasters_table_cell_alignleft\">5.15%<\/td><td class=\"cmsmasters_table_cell_alignleft\">5.50%<\/td><td class=\"cmsmasters_table_cell_alignleft\">5.85%<\/td><td class=\"cmsmasters_table_cell_alignleft\">6.50%<\/td><td class=\"cmsmasters_table_cell_alignleft\">8.00%<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">B<\/td><td class=\"cmsmasters_table_cell_alignleft\">6.00%<\/td><td class=\"cmsmasters_table_cell_alignleft\">6.25%<\/td><td class=\"cmsmasters_table_cell_alignleft\">6.75%<\/td><td class=\"cmsmasters_table_cell_alignleft\">7.15%<\/td><td class=\"cmsmasters_table_cell_alignleft\">7.75%<\/td><td class=\"cmsmasters_table_cell_alignleft\">8.75%<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">C<\/td><td class=\"cmsmasters_table_cell_alignleft\">8.35%<\/td><td class=\"cmsmasters_table_cell_alignleft\">8.80%<\/td><td class=\"cmsmasters_table_cell_alignleft\">9.00%<\/td><td class=\"cmsmasters_table_cell_alignleft\">9.40%<\/td><td class=\"cmsmasters_table_cell_alignleft\">9.90%<\/td><td class=\"cmsmasters_table_cell_alignleft\">11.50%<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">D<\/td><td class=\"cmsmasters_table_cell_alignleft\">12.20%<\/td><td class=\"cmsmasters_table_cell_alignleft\">15.10%<\/td><td class=\"cmsmasters_table_cell_alignleft\">15.30%<\/td><td class=\"cmsmasters_table_cell_alignleft\">15.75%<\/td><td class=\"cmsmasters_table_cell_alignleft\">16.25%<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">E<\/td><td class=\"cmsmasters_table_cell_alignleft\">14.20%<\/td><td class=\"cmsmasters_table_cell_alignleft\">15.30%<\/td><td class=\"cmsmasters_table_cell_alignleft\">16.30%<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><\/tr><\/table><\/div><div class=\"cmsmasters_text\">\n<div class=\"page\" title=\"Page 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<div class=\"page\" title=\"Page 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p>**8 yrs and older (2018 or older) Adjust rate by 1.00%<br \/>\n**120% LTV finance on used with TTL<\/p>\n<div class=\"page\" title=\"Page 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p>**May add up to 4 months for Gap and Warranty. Except on 84+ Month Terms<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_text\">\n<div id=\"cmsmasters_button_mrvzqxsp6l\" class=\"button_wrap\"><a href=\"https:\/\/poefcu.org\/index.php\/calculators\/\" class=\"cmsmasters_button\"><span> CALCULATORS<\/span><\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_qsq3ymk2b\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_schgc61o7q\" class=\"cmsmasters_column one_first\">\n<div class=\"cmsmasters_column_inner\">\n<div id=\"cmsmasters_divider_vrtboq2r5b\" class=\"cmsmasters_divider cmsmasters_divider_width_long cmsmasters_divider_pos_center\"><\/div>\n<div id=\"cmsmasters_fb_53hqx5mdi\" class=\"cmsmasters_featured_block\">\n<div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_heading_4qmtnsp8c\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\">Classic Vehicle Loans<\/h2>\n<\/div> OVER 20 Years of Age<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_wrap_table\"><table class=\"cmsmasters_table\"><caption><\/caption><thead><tr class=\"cmsmasters_table_row_header\"><th class=\"cmsmasters_table_cell_alignleft\">GRADE<\/th><th class=\"cmsmasters_table_cell_alignleft\">TERMS \/ REPAYMENT PERIOD<\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><\/tr><\/thead><tr><td class=\"cmsmasters_table_cell_alignleft\"><\/td><td class=\"cmsmasters_table_cell_alignleft\">24 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">36 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">48 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">60 MONTHS (20K)<\/td><td class=\"cmsmasters_table_cell_alignleft\">72 MONTHS (30K)<\/td><td class=\"cmsmasters_table_cell_alignleft\">84 MONTHS (40K)<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">A<\/td><td class=\"cmsmasters_table_cell_alignleft\">7.05%<\/td><td class=\"cmsmasters_table_cell_alignleft\">7.15%<\/td><td class=\"cmsmasters_table_cell_alignleft\">7.50%<\/td><td class=\"cmsmasters_table_cell_alignleft\">7.85%<\/td><td class=\"cmsmasters_table_cell_alignleft\">9.00%<\/td><td class=\"cmsmasters_table_cell_alignleft\">12.5%<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">B<\/td><td class=\"cmsmasters_table_cell_alignleft\">9.35%<\/td><td class=\"cmsmasters_table_cell_alignleft\">10.25%<\/td><td class=\"cmsmasters_table_cell_alignleft\">10.45%<\/td><td class=\"cmsmasters_table_cell_alignleft\">10.60%<\/td><td class=\"cmsmasters_table_cell_alignleft\">11.15%<\/td><td class=\"cmsmasters_table_cell_alignleft\">13.5%<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">C<\/td><td class=\"cmsmasters_table_cell_alignleft\">10.35%<\/td><td class=\"cmsmasters_table_cell_alignleft\">10.80%<\/td><td class=\"cmsmasters_table_cell_alignleft\">11.00%<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">D<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">E<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><\/tr><\/table><\/div><div class=\"cmsmasters_text\">\n<div class=\"page\" title=\"Page 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<div class=\"page\" title=\"Page 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p>**Must have Third Party Appraisal and Pictures to be taken by CU<br \/>\n**80% of Appraised Value max financing<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_text\">\n<div id=\"cmsmasters_button_g7dxlqdm2p\" class=\"button_wrap\"><a href=\"https:\/\/poefcu.org\/index.php\/calculators\/\" class=\"cmsmasters_button\"><span> CALCULATORS<\/span><\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_c0c2vbpgv6\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_cudvr0bg2r\" class=\"cmsmasters_column one_first\">\n<div class=\"cmsmasters_column_inner\">\n<div id=\"cmsmasters_divider_7b7xaaq9p\" class=\"cmsmasters_divider cmsmasters_divider_width_long cmsmasters_divider_pos_center\"><\/div>\n<div id=\"cmsmasters_fb_i4jf2vcluj\" class=\"cmsmasters_featured_block\">\n<div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_heading_uluh3g5jqn\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\">RV&#8217;s<\/h2>\n<\/div> Motor Homes, Campers, Trailers, Boats, and Dirt Bikes<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_wrap_table\"><table class=\"cmsmasters_table\"><caption><\/caption><thead><tr class=\"cmsmasters_table_row_header\"><th class=\"cmsmasters_table_cell_alignleft\">GRADE<\/th><th class=\"cmsmasters_table_cell_alignleft\">TERMS \/ REPAYMENT PERIOD<\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><\/tr><\/thead><tr><td class=\"cmsmasters_table_cell_alignleft\"><\/td><td class=\"cmsmasters_table_cell_alignleft\">36 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">48 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">60 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">72 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">84 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">96 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">120 MONTHS<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">A<\/td><td class=\"cmsmasters_table_cell_alignleft\">7.50%<\/td><td class=\"cmsmasters_table_cell_alignleft\">8.25%<\/td><td class=\"cmsmasters_table_cell_alignleft\">9.00%<\/td><td class=\"cmsmasters_table_cell_alignleft\">9.75%<\/td><td class=\"cmsmasters_table_cell_alignleft\">10.55%<\/td><td class=\"cmsmasters_table_cell_alignleft\">11.25%<\/td><td class=\"cmsmasters_table_cell_alignleft\">13.25%<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">B<\/td><td class=\"cmsmasters_table_cell_alignleft\">8.25%<\/td><td class=\"cmsmasters_table_cell_alignleft\">8.95%<\/td><td class=\"cmsmasters_table_cell_alignleft\">9.45%<\/td><td class=\"cmsmasters_table_cell_alignleft\">10.25%<\/td><td class=\"cmsmasters_table_cell_alignleft\">11.00%<\/td><td class=\"cmsmasters_table_cell_alignleft\">11.75%<\/td><td class=\"cmsmasters_table_cell_alignleft\">14.50%<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">C<\/td><td class=\"cmsmasters_table_cell_alignleft\">9.80%<\/td><td class=\"cmsmasters_table_cell_alignleft\">10.00%<\/td><td class=\"cmsmasters_table_cell_alignleft\">10.40%<\/td><td class=\"cmsmasters_table_cell_alignleft\">11.25%<\/td><td class=\"cmsmasters_table_cell_alignleft\">13.50%<\/td><td class=\"cmsmasters_table_cell_alignleft\">14.25%<\/td><td class=\"cmsmasters_table_cell_alignleft\">16.25%<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">D<\/td><td class=\"cmsmasters_table_cell_alignleft\">15.10%<\/td><td class=\"cmsmasters_table_cell_alignleft\">15.30%<\/td><td class=\"cmsmasters_table_cell_alignleft\">15.75%<\/td><td class=\"cmsmasters_table_cell_alignleft\">16.25%<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><\/tr><\/table><\/div><div class=\"cmsmasters_text\">\n<div id=\"cmsmasters_button_t9jhij6xfq\" class=\"button_wrap\"><a href=\"https:\/\/poefcu.org\/index.php\/calculators\/\" class=\"cmsmasters_button\"><span> CALCULATORS<\/span><\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_514s54426\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_m4h22iuo6\" class=\"cmsmasters_column one_first\">\n<div class=\"cmsmasters_column_inner\">\n<div id=\"cmsmasters_divider_7er3z7uvxm\" class=\"cmsmasters_divider cmsmasters_divider_width_long cmsmasters_divider_pos_center\"><\/div>\n<div id=\"cmsmasters_fb_h2api2cr9f\" class=\"cmsmasters_featured_block\">\n<div class=\"featured_block_inner\">\n<div class=\"featured_block_text\"><div id=\"cmsmasters_heading_gyfm00l2j6\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\">Unsecured Loans<\/h2>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_wrap_table\"><table class=\"cmsmasters_table\"><caption><\/caption><thead><tr class=\"cmsmasters_table_row_header\"><th class=\"cmsmasters_table_cell_alignleft\">GRADE<\/th><th class=\"cmsmasters_table_cell_alignleft\">TERMS \/ REPAYMENT PERIOD<\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><\/tr><\/thead><tr><td class=\"cmsmasters_table_cell_alignleft\"><\/td><td class=\"cmsmasters_table_cell_alignleft\">12 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">24 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">36 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">48 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">60 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">LIMITS<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">A<\/td><td class=\"cmsmasters_table_cell_alignleft\">11.75%<\/td><td class=\"cmsmasters_table_cell_alignleft\">12.00%<\/td><td class=\"cmsmasters_table_cell_alignleft\">12.25%<\/td><td class=\"cmsmasters_table_cell_alignleft\">12.75%<\/td><td class=\"cmsmasters_table_cell_alignleft\">13.25%<\/td><td class=\"cmsmasters_table_cell_alignleft\">5X Gross Monthly Income<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">B<\/td><td class=\"cmsmasters_table_cell_alignleft\">12.95%<\/td><td class=\"cmsmasters_table_cell_alignleft\">13.45%<\/td><td class=\"cmsmasters_table_cell_alignleft\">13.95%<\/td><td class=\"cmsmasters_table_cell_alignleft\">14.45%<\/td><td class=\"cmsmasters_table_cell_alignleft\">14.95%<\/td><td class=\"cmsmasters_table_cell_alignleft\">4X Gross Monthly Income<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">C<\/td><td class=\"cmsmasters_table_cell_alignleft\">14.95%<\/td><td class=\"cmsmasters_table_cell_alignleft\">15.45%<\/td><td class=\"cmsmasters_table_cell_alignleft\">15.95%<\/td><td class=\"cmsmasters_table_cell_alignleft\">16.95%<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">3X Gross Monthly Income<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">D<\/td><td class=\"cmsmasters_table_cell_alignleft\">15.95%<\/td><td class=\"cmsmasters_table_cell_alignleft\">16.95%<\/td><td class=\"cmsmasters_table_cell_alignleft\">17.45%<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">1.5X Gross Monthly Income<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">E<\/td><td class=\"cmsmasters_table_cell_alignleft\">16.95%<\/td><td class=\"cmsmasters_table_cell_alignleft\">17.45%<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">0.5X Gross Monthly Income<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">Other<\/td><td class=\"cmsmasters_table_cell_alignleft\"><\/td><td class=\"cmsmasters_table_cell_alignleft\"><\/td><td class=\"cmsmasters_table_cell_alignleft\"><\/td><td class=\"cmsmasters_table_cell_alignleft\"><\/td><td class=\"cmsmasters_table_cell_alignleft\"><\/td><td class=\"cmsmasters_table_cell_alignleft\">PAL UP TO $2,000<\/td><\/tr><\/table><\/div><div class=\"cmsmasters_text\">\n<div class=\"page\" title=\"Page 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<div class=\"page\" title=\"Page 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p>**Total Aggregate per member is $20,000<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_text\">\n<div id=\"cmsmasters_button_0sz92ysnvb\" class=\"button_wrap\"><a href=\"https:\/\/poefcu.org\/index.php\/calculators\/\" class=\"cmsmasters_button\"><span> CALCULATORS<\/span><\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_jtfl7zymz\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_w11icch3bb\" class=\"cmsmasters_column one_first\">\n<div class=\"cmsmasters_column_inner\">\n<div id=\"cmsmasters_divider_mqd1sku6t4\" class=\"cmsmasters_divider cmsmasters_divider_width_long cmsmasters_divider_pos_center\"><\/div>\n<div id=\"cmsmasters_fb_etm7yl2af\" class=\"cmsmasters_featured_block\">\n<div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_heading_9y81s1dodd\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\">Other Secured Loans<\/h2>\n<\/div> (Misc. Items &amp; UCC1 Items)<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_wrap_table\"><table class=\"cmsmasters_table\"><caption><\/caption><thead><tr class=\"cmsmasters_table_row_header\"><th class=\"cmsmasters_table_cell_alignleft\">GRADE<\/th><th class=\"cmsmasters_table_cell_alignleft\">TERMS \/ REPAYMENT PERIOD<\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><th class=\"cmsmasters_table_cell_alignleft\"><\/th><\/tr><\/thead><tr><td class=\"cmsmasters_table_cell_alignleft\"><\/td><td class=\"cmsmasters_table_cell_alignleft\">12 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">24 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">36 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">48 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">60 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">72 MONTHS<\/td><td class=\"cmsmasters_table_cell_alignleft\">84 MONTHS<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">A<\/td><td class=\"cmsmasters_table_cell_alignleft\">10.25%<\/td><td class=\"cmsmasters_table_cell_alignleft\">10.75%<\/td><td class=\"cmsmasters_table_cell_alignleft\">11.25%<\/td><td class=\"cmsmasters_table_cell_alignleft\">11.75%<\/td><td class=\"cmsmasters_table_cell_alignleft\">12.00%<\/td><td class=\"cmsmasters_table_cell_alignleft\">12.25%<\/td><td class=\"cmsmasters_table_cell_alignleft\">12.50%<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">B<\/td><td class=\"cmsmasters_table_cell_alignleft\">11.75%<\/td><td class=\"cmsmasters_table_cell_alignleft\">12.25%<\/td><td class=\"cmsmasters_table_cell_alignleft\">12.65%<\/td><td class=\"cmsmasters_table_cell_alignleft\">13.45%<\/td><td class=\"cmsmasters_table_cell_alignleft\">13.95%<\/td><td class=\"cmsmasters_table_cell_alignleft\">14.50%<\/td><td class=\"cmsmasters_table_cell_alignleft\">15.00%<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">C<\/td><td class=\"cmsmasters_table_cell_alignleft\">15.25%<\/td><td class=\"cmsmasters_table_cell_alignleft\">15.75%<\/td><td class=\"cmsmasters_table_cell_alignleft\">15.95%<\/td><td class=\"cmsmasters_table_cell_alignleft\">16.50%<\/td><td class=\"cmsmasters_table_cell_alignleft\">17.45%<\/td><td class=\"cmsmasters_table_cell_alignleft\">17.75%<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">D<\/td><td class=\"cmsmasters_table_cell_alignleft\">15.75%<\/td><td class=\"cmsmasters_table_cell_alignleft\">16.00%<\/td><td class=\"cmsmasters_table_cell_alignleft\">16.75%<\/td><td class=\"cmsmasters_table_cell_alignleft\">17.25%<\/td><td class=\"cmsmasters_table_cell_alignleft\">17.75%<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><\/tr><tr><td class=\"cmsmasters_table_cell_alignleft\">E<\/td><td class=\"cmsmasters_table_cell_alignleft\">16.00%<\/td><td class=\"cmsmasters_table_cell_alignleft\">16.45%<\/td><td class=\"cmsmasters_table_cell_alignleft\">17.00%<\/td><td class=\"cmsmasters_table_cell_alignleft\">17.25%<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><td class=\"cmsmasters_table_cell_alignleft\">N\/A<\/td><\/tr><\/table><\/div><div class=\"cmsmasters_text\">\n<div id=\"cmsmasters_button_oepbh52osk\" class=\"button_wrap\"><a href=\"https:\/\/poefcu.org\/index.php\/calculators\/\" class=\"cmsmasters_button\"><span> CALCULATORS<\/span><\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_oswnqulxvj\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_j3z9cyi218\" class=\"cmsmasters_column one_first\">\n<div class=\"cmsmasters_column_inner\">\n<div id=\"cmsmasters_divider_oob6odgwvo\" class=\"cmsmasters_divider cmsmasters_divider_width_long cmsmasters_divider_pos_center\"><\/div>\n<div id=\"cmsmasters_fb_tobwj4wskw\" class=\"cmsmasters_featured_block\">\n<div class=\"featured_block_inner\">\n<div class=\"featured_block_text\"><div id=\"cmsmasters_heading_hxwbwuyazd\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\">Share \/ Shared Draft \/ CD Rates<\/h2>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_text\">\n<div id=\"block-81a463d540997f762a89\" class=\"sqs-block website-component-block sqs-block-website-component sqs-block-code code-block\" data-block-css=\"&#091;\" data-block-scripts=\"&#091;\" data-block-type=\"1337\" data-definition-name=\"website.components.code\" data-sqsp-block=\"code\">\n<div class=\"sqs-block-content\">\n<div class=\"sqs-code-container\" data-localized=\"{\">\n<table class=\"bordered striped\">\n<thead>\n<tr>\n<th scope=\"col\"><strong>ACCOUNTS<\/strong><\/th>\n<th scope=\"col\"><strong>MINIMUM BALANCE<\/strong><\/th>\n<th scope=\"col\"><strong>DIVIDEND RATES<\/strong><\/th>\n<th scope=\"col\"><strong>APY**<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Regular Shares<\/td>\n<td>$200.00<\/td>\n<td>0.10%<\/td>\n<td>0.10%<\/td>\n<\/tr>\n<tr>\n<td>Share Drafts<\/td>\n<td>$500.00<\/td>\n<td>0.10%<\/td>\n<td>0.10%<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>High Yield Savings Accounts<\/td>\n<td>$25,000.00<\/td>\n<td>1.00%<\/td>\n<td>1.005%<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td>$50,000.00<\/td>\n<td>2.00%<\/td>\n<td>2.018%<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td>$100,000.00<\/td>\n<td>2.75%<\/td>\n<td>2.785%<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td>$150,000.00<\/td>\n<td>3.00%<\/td>\n<td>3.043%<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td>$200,000.00<\/td>\n<td>3.50%<\/td>\n<td>3.557%<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>CD &#8211; 6 Months<\/td>\n<td>$1,000.00<\/td>\n<td>3.50%<\/td>\n<td>3.556%<\/td>\n<\/tr>\n<tr>\n<td>CD &#8211; 12 Months<\/td>\n<td>$1,000.00<\/td>\n<td>3.75%<\/td>\n<td>3.815%<\/td>\n<\/tr>\n<tr>\n<td>CD &#8211; 2 Years<\/td>\n<td>$1,000.00<\/td>\n<td>3.00%<\/td>\n<td>3.041%<\/td>\n<\/tr>\n<tr>\n<td>CD &#8211; 5 Years<\/td>\n<td>$1,000.00<\/td>\n<td>2.75%<\/td>\n<td>2.785%<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>**At the end of the term, CD will automatically renew to the current rate.<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>Rates as pf 9\/30\/2025 and are subject to change at anytime.<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>Minimum balances are subject to change at anytime.<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"block-3c18d9454ba9a268920c\" class=\"sqs-block horizontalrule-block sqs-block-horizontalrule\" data-block-type=\"47\"><\/div>\n<\/div>\n<div class=\"cmsmasters_text\">\n<div id=\"cmsmasters_button_arfw9tube\" class=\"button_wrap\"><a href=\"https:\/\/poefcu.org\/index.php\/calculators\/\" class=\"cmsmasters_button\"><span> CALCULATORS<\/span><\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-15317","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages\/15317","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/comments?post=15317"}],"version-history":[{"count":96,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages\/15317\/revisions"}],"predecessor-version":[{"id":15612,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages\/15317\/revisions\/15612"}],"wp:attachment":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/media?parent=15317"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}