When you’re looking for excellent rates on loan products, look no further – Peabody Municipal FCU has the competitive rates you’re looking for.

Effective Date: 7/1/2018

Signature Loan & Credit Card Consolidation Loan Rates
Type of Loan APR* Per $1,000 Max Term Max Amount
Signature Loan 11.00% 88.41 1 year $10,000 - $15,000**
Signature Loan 12.00% 47.09 2 years $10,000 - $15,000**
Signature Loan 13.00% 33.71 3 years $10,000 - $15,000**
Signature Loan 14.00% 27.34 4 years $10,000 - $15,000**
Signature Loan 14.50% 23.55 5 years $10,000 - $15,000**
Credit Card Consolidation 10.40% 46.35 2 years $10,000 - $15,000**
Credit Card Consolidation 11.40% 32.94 3 years $10,000 - $15,000**
Credit Card Consolidation 12.40% 26.55 4 years $10,000 - $15,000**

** For "A" and "B" credit only. *APR = Annual Percentage Rate

Share Secured Loan Rates
Type of Loan APR* Per $1,000 Max Term Max Amount
Share Secured 4.00% 85.16 Min. $25/1000 monthly payment 95% of Share Balance

Deduct 1.00% for any loan which is repaid via automatic payroll deposit and deduction. *APR = Annual Percentage Rate

New Vehicles Loan Rates
Type of Loan APR* Per $1,000 Max Term Max Amount
Newer Cars & Trucks
2015 - 2018+
4.49% 43.65 2 years 100% of book value to max of sales price
Newer Cars & Trucks
2015 - 2018+
4.99% 29.97 3 years 100% of book value to max of sales price
Newer Cars & Trucks
2015 - 2018+
5.49% 23.26 4 years 100% of book value to max of sales price
Newer Cars & Trucks
2015 - 2018+
5.49% 19.10 5 years 100% of book value to max of sales price
Newer Cars & Trucks
2015 - 2018+
5.49% 16.34 6 years 100% of book value to max of sales price

Deduct 1.00% if the vehicle is new and has NOT been previously registered. Take an additional 1.00% off the rate listed if the loan is repaid via automatic payroll deposit and deduction. *APR = Annual Percentage Rate

Used Vehicle Loan Rates
Type of Loan APR* Per $1,000 Max Term Max Amount
Used Car & Trucks
2012 - 2014
4.50% 43.66 2 years 90% of book value
Used Car & Trucks
2012 - 2014
5.00% 29.98 3 years 90% of book value
Used Car & Trucks
2012 - 2014
5.50% 23.26 4 years 90% of book value
Used Car & Trucks
2012 - 2014
6.00% 19.34 5 years 90% of book value

Deduct 1.00% for any loan that is repaid via automatic payroll deposit and deduction. *APR = Annual Percentage Rate

Older Used Vehicle Loan Rates
Type of Loan APR* Per $1,000 Max Term Max Amount
Older Used Cars & Trucks
2009 - 2011
6.25% 44.44 2 years 80% of book value
Older Used Cars & Trucks
2009 - 2011
7.25% 31.00 3 years 80% of book value
Older Used Cars & Trucks
2009 - 2011
8.25% 24.54 4 years 80% of book value

Deduct 1.00% for any loan that is repaid via automatic payroll deposit and deduction. *APR = Annual Percentage Rate

Credit Rating Discounts on ANY Loan product - "A" = 1.50% "B" = 1.00%.