Auto Loan
Applying for an Auto Loan is easy as 123
- Apply – we have a quick and seamless online application which takes just minutes to complete
- Approval – one of our Loan Sales Specialists will contact you with any additional questions to get your application approved
- Get your new car! Pick up your check from one of our conveniently located branches or we can send the funds directly to the dealership
Purchase or Refinance
Get Pre-Approved, secure a low rate, estimate a monthly payment- all before you visit the dealership
Purchase or Refinance
- Documents
- Bill of Sale / Buyer’s Order
- Title Application showing PFCU as Lienholder
- Proof of insurance showing PFCU as Loss Payee
- Valid Driver’s License
- Copy of vehicle registration
- Loan Filing Fee (see our Loan Fees for details)
- Title Registration Fee (varies by state and is included in the total loan refinance amount)
Emergency Loans
Have you experienced an emergency such as a car breakdown, medical expense, or legal fee that called for a quick loan?
Emergency loans are available to PFCU members for up to $7,500 for emergency purposes only. The loan will be processed in 24 to 48 hours.
Home Equity Loan/Line of Credit
A HELOC or Equity Loan lets you turn your home’s value into cash for things like renovations, tuition, a new car—or even unexpected expenses. When life throws a curveball, your equity is there to help.
Mortgage Loans
Platinum Federal Credit Union offers competitive rates and flexible mortgage options to help you buy—and keep—the home you love. Whether it’s your first home, a move up, or a vacation retreat, we’re with you every step of the way.
- Fixed rate loans with terms of 10, 15, 20 and 30 years.
- Up to 95% LTV financing on owner occupied homes/refinanced mortgage loans (restrictions apply)
- FHA and mortgage loans available, along with ARM’s
Personal Loans
If you need to take care of big-ticket purchases, apply for a low-rate personal loan from Platinum Federal Credit Union. Use the money to buy appliances, new computer, down payment for business, medical payments, debt consolidation, or for a dream wedding.
- Flexible terms – 12 to 72 months
- Loan approved within a day or two
- Loans up to $50,000
- Guarantors may be required
Secure Loan/ Line of Credit
Get a low-rate secured loan or line of credit with quick approval—backed by your own savings for added peace of mind.
Student Loans
At PFCU we understand different members have different needs. So we have developed four loan types for our students. Three loan types are disbursed and underwritten by PFCU in-house and the third loan type is offered from our partner Sallie Mae.
- Student Deferred Loans: For up to $35,000 per year with payments deferred until 6 months after graduation and amortized for up to 15 years to repay the loan. Minimum monthly payment required while in college to keep up with interest.
- Student Loan (Not Deferred): For up to $5,000 per year with equal monthly payments while you are in school. This type of loan suits the needs of part time students as they can start repaying the loan while they are in school to pay minimum interest on the loans. This type of loan is amortized for up to 6 years.
- Student Consolidation Loan: Up to $200,000 with amortization terms up to 15 years. This loan is designed for newly graduated students who have started working and are looking to consolidate student loans which they took during college.
Visa® Credit Card with Platinum Rewards
We know you have plenty of choices in credit cards. So, we have tailored our VISA® cards to meet your unique financial needs, giving you greater convenience and value.
- Credit lines up to $15,000
- 25-day grace period on all purchases
- A low fee for balance transfers and cash advances
- 24-hour toll-free account information
- Platinum Reward Points which can be redeemed for Travel, Merchandise, Gift Cards, Statement Credit, etc.
Auto Loan
Home Lending
Digital Banking
High Yield Savings Accounts
Credit Cards
Wire Transfers