Rates Page


Rates Effective November 8, 2024

Looking for a new car? Check our Auto Loan Rates, they are the lowest in quite a while! You'll find our loan rates very competitive and our savings rate very generous. In fact, we call our rates, "Great Rates" because we believe we offer the very best possible rates in the market today. And, to be absolutely sure that our rates are competitive in today's marketplace, we revisit and adjust our "Great Rates" every month. Now, there's no need to look elsewhere, just look at our rates below!


Savings Rates

*Annual Percentage Yield (APY) is accurate as of last dividend declaration date (the first business day of every month). Balance of $50.00 is required to open an account and to receive stated APY.

 
Dividend Rate
Annual Percentage Yield
Individual Savings Accounts
Savings Account
2.00 %
2.02 %
All Purpose Account
2.00 %
2.02 %
Individual Retirement Accounts
Traditional
2.05 %
2.07 %
Roth
2.05 %
2.07 %
 

Fees could reduce earnings.


Auto Loan Rates

New, Pre-Owned or Refinanced
Great Auto Loan Rates and Terms are just a click away!
Click Here to Pre-Qualify


Auto Loan Rates for Models 2020 or Newer
Term (months)
Rate
Payment per $1,000
Your Qualifications
24
3.99% APR
$43.42
36
4.49% APR
$29.75
48
5.00% APR
$23.03
60
5.50% APR
$19.11
72
6.50% APR
$16.82
84
7.00% APR
$15.10
How Much is that Used Car or Truck?
Click Here for NADA's Used Vehicle Pricing Handbook *

Auto Loan Rates for Models 2018 - 2019
Term (months)
Rate
Payment per $1,000
Your Qualifications
24
7.50% APR
$45.00
36
7.50% APR
$31.11
48
8.00% APR
$24.41
How Much is that Used Car or Truck?
Click Here for NADA's Used Vehicle Pricing Handbook *

* By clicking the links above you are leaving the Pitney Bowes Employees Federal Credit Union website. The website you are linking to is not operated by the PBEFCU. We are not responsible for any content or information posted to this external website. PBEFCU is not responsible for, nor do we represent you or the external website if you enter into any agreements. Privacy and Security policies may differ between our website and the external site.

Motorcycle Loan
Term (months)
Rate
Your Qualifications
48
12.00 % APR
Monthly Payment per $1,000 borrowed is $26.33

Footnotes
Minimum Auto Loan Amount for: 48 - 60 Months =$8,000 - 72 Months =$20,000
"MINIMUM AUTO LOAN AMOUNTS" - 48 OR 60 months = $8,000. 72 months = $20,000.
E-Z "84 MONTH TERM" - The Credit Union will finance up to 100% of the value of a NEW vehicle including tax, registration and warranties with a minimum loan amount of $30,000.

All rates are subject to change at any time.


Real Estate Loan Rates

Connecticut, Westchester, Putnam, Dutchess & Rockland Counties, New York Owner-Residents only.
The payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be greater.

For more information on our Mortgage Products please call us today at 800-356-5965.


First Mortgage Refinanced (plus closing costs)
Term (months)
Rate
Payment per $1,000
Your Qualifications
60
6.00% APR
$19.33
120
6.00% APR
$11.10
180
6.25% APR
$8.57
240
6.75% APR
$7.60
See Footnotes below.

Fixed Rate Home Equity Loans (no closing costs in CT)
Term (months)
Rate
Payment per $1,000
Your Qualifications
60
8.50% APR
$20.52
120
8.50% APR
$12.40
180
8.50% APR
$9.85
See Footnotes below.

Home Equity Line of Credit
Term
Rate
Your Qualifications
9 Year Draw Period
11 Year Repayment Period
 7.75% APR

Footnotes

The rate is PRIME and is variable. PRIME RATE is currently at 7.75% APR, as published in the Wall Street Journal.  Subject to change at any time. Rate cannot be higher than 16%. (For NEW PBEF Credit Union HELOCs ONLY); Credit Union Refinanced HELOCs are NOT eligible.
Offer available only in Connecticut, Westchester, Putnam, Dutchess, and Rockland Counties, NY on owner-occupied properties.
The Credit Union will pay 100% of closing costs for CT properties and the first $600 of closing costs for NY properties (estimated closing costs in NY State are $1,850.00 based on a borrowed amount of $50,000.00).
Check with your tax advisor, the interest you pay on your loan may be tax deductible.

All rates are subject to change at any time. Payment Examples for a $1,000 Mortgage or Home Equity Loan are listed at the bottom of this page.


Visa and Personal Loan Rates

No Application Fee or Annual Fee on our Non-Variable Rate Visa Cards.

Visa
Type
Rate
Your Qualifications
Platinum
11.96% APR
Gold / Classic
12.96% APR
Savings Secured (up to $1,500)
12.96% APR

Personal Loans
Type
Rate
Your Qualifications
Unsecured Loan (Borrow up to $10,000)
13.00% APR
Personal Loan Special:
$4,000 with a term of 15 months or less
6.99% APR
Education Loan (some conditions apply)
8.50% APR
Savings Secured Single Payment Loan
5.00% APR
Savings Secured Monthly Payment Loan
6.00% APR
All rates are subject to change at any time.



Payment Examples for a $1,000 Mortgage or Home Equity Loan

Interest Rate 60-Month Term 120-Month Term 180-Month Term 240-Month Term
3.00% $17.97 $9.66 $6.91 $5.55
3.25% $18.08 $9.77 $7.03 $5.67
3.50% $18.19 $9.89 $7.15 $5.80
3.75% $18.30 $10.01 $7.27 $5.93
4.00% $18.42 $10.12 $7.40 $6.06
4.25% $18.53 $10.24 $7.52 $6.19
4.50% $18.64 $10.36 $7.65 $6.33
4.75% $18.76 $10.48 $7.78 $6.46
5.00% $18.87 $10.61 $7.91 $6.60
5.25% $18.99 $10.73 $8.04 $6.74
5.50% $19.10 $10.85 $8.17 $6.88
5.75% $19.22 $10.98 $8.30 $7.02
6.00% $19.33 $11.10 $8.44 $7.16
6.25% $19.45 $11.23 $8.57 $7.31
6.50% $19.57 $11.35 $8.71 $7.46
6.75% $19.68 $11.48 $8.85 $7.60
7.00% $19.80 $11.61 $8.99 $7.75
7.25% $19.92 $11.74 $9.13 $7.90
7.50% $20.04 $11.87 $9.27 $8.06
7.75% $20.16 $12.00 $9.41 $8.21
8.00% $20.28 $12.13 $9.56 $8.36
8.25% $20.40 $12.27 $9.70 $8.52
8.50% $20.52 $12.40 $9.85 $8.68
8.75% $20.64 $12.53 $9.99 $8.84
9.00% $20.76 $12.67 $10.14 $9.00
9.25% $20.88 $12.80 $10.29 $9.16
9.50% $21.00 $12.94 $10.44 $9.32
9.75% $21.12 $13.08 $10.59 $9.49
10.00% $21.25 $13.22 $10.75 $9.65