As the outbreak of the Coronavirus continues to affect people around the world, we have modified our operating hours.  Effective Monday, March 23, 2020, our lobby we will open from 9:00 AM to 12:00 PM Monday through Friday.  We encourage members to use Mobile Banking and Online Banking to access your account.

Patent and Trademark Office FCU will be closed Wednesday, January 20th for the inauguration of the 46th President of the United States of America.

Auto Loan Rates
 

Auto Equity Loan
APRAmount FinancedMax TermFixed/VariableFee TypeLoan Application
6.99% Based on Equity 84 months Fixed Min. $10,000
Max. $50,000
Apply Now
7.99% Based on Equity 84 months Fixed Min. $10,000
Max. $50,000
Apply Now

New Automobile greater than $75,000
(2021-2020 Used Auto-100% NADA Retail Value plus taxes and tags)
APRAmount FinancedMax TermFixed/VariableFee TypeLoan Application
3.49 - 4.99% 100.00% 60 - 84 months Fixed Rate based on evaluation of credit history. Max. finance amt. $150,000 Apply Now

New/Used Automobile 100% Or Less Financing
(2021, 2020, 2019 Used Auto-100% NADA Retail Value plus taxes and tags)
APRAmount FinancedMax TermFixed/VariableFee TypeLoan Application
1.99% - 6.99% 100.00% 48 months Fixed Rate based on evaluation of credit history Apply Now
2.49% - 9.99% 100.00% 60 months Fixed Rate based on evaluation of credit history Apply Now
2.99% - 7.99% 100.00% 72 months Fixed Rate based on evaluation of credit history Apply Now
3.49% - 8.49% 100.00% 84 months Fixed Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term Apply Now

Used Automobile 100% Or Less Financing
(2018, 2017, 2016, 2015 Used Auto-100% NADA Retail Value plus taxes and tags)
APRAmount FinancedMax TermFixed/VariableFee TypeLoan Application
2.99% - 6.99% 100% NADA Retail Value 48 months Fixed Rate based on evaluation of credit history. Apply Now
3.49% - 8.99% 100% NADA Retail Value 60 months Fixed Rate based on evaluation of credit history. Apply Now
3.99% - 9.49% 100% NADA Retail Value 72 months Fixed Rate based on evaluation of credit history. Min. finance amt $30,000 APPLY NOW

New/Used Motorcycles 100% Or Less Financing
(2020-2015 Used Motorcycles-100% NADA Retail Value plus taxes and tags)
APRAmount FinancedMax TermFixed/VariableFee TypeLoan Application
11.99% 100.00% NADA Retail value 60 months Fixed No minimum New/Used Motorcycles Apply Now

 

Unsecured Loan Rates
 

Credit Cards
Product and Annual Percentage Rate (APR)Amount FinancedMax TermAnnual Percentage RateLoan Application
VISA Platinum $15,000.00 Reviewed Annually

Fixed Rate 10.9%

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VISA Gold $10,000.00 Reviewed Annually

Fixed Rate 11.9%

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VISA Classic $5,000.00 Reviewed Annually

Fixed Rate 12.9%

Apply Now
VISA Secured Secured by shares $5,000.00 Maximum Reviewed Annually

Fixed Rate 18.0%

Apply Now

Unsecured Line of Credit
Product and Annual Percentage Rate (APR)Amount FinancedMax TermCredit GradeLoan Application
9.99% - 18.00% $15,000.00 $2.50 for each $100 Rate based on evaluation of credit history. Apply Now

Overdraft Protection
Product and Annual Percentage Rate (APR)Amount FinancedMax TermCredit GradeLoan Application
18.00% $2,000.00 $2.50 for each $100 Fixed Rate 18.0% Apply Now

Unsecured Loans
Product and Annual Percentage Rate (APR)Amount FinancedMax TermCredit GradeLoan Application
8.99% - 17.99 $15,000.00 60 mos. Rate based on evaluation of credit history. Apply Now
10.99% - 11.99% $15,000.00 72 mos. Rate based on evaluation of credit history. Apply Now

Share Secured
Product and Annual Percentage Rate (APR)Amount FinancedMax TermCredit GradeLoan Application
5.00% 100% of Share Balance 120 mos. Fixed Apply Now

Share Certificate Secured
Product and Annual Percentage Rate (APR)Amount FinancedMax TermCredit GradeLoan Application
4.00% Above 100% of Share Certificate Max. Term of Share Cert. Fixed Apply Now
  

*APR = Annual Percentage Rate. APY = Annual Percentage Yield.

**Rate applies to qualified borrower.