How can We Help You?
Access your account at PFCU 24 hours a day with Home Banking or call us at 1(877) PFCU4YO (732-8496) or at (404) 297-9797. You can also text "PFCU" to 437-83 to opt-in to our text messaging system.

Personal

Shopping for a new or used car or truck? You've already got plenty to think about: Makes, models, optional equipment, colors and so on. When it comes to financing, make it easy on yourself with an auto loan from Platinum FCU.

We have loans available for new and used cars and trucks. Our loans feature competitive interest rates and the kind of efficient, personalized service that only your credit union can provide. We can finance your car up to 72 months in order for our members to have low monthly payments.

Click here to see our low rates on New and Pre-owned Auto Loans

Please visit one of PFCU's branch locations or contact us via phone or email and we can pre-approve you for your dream car. Pre-approval will also help you negotiate a better purchase price from auto dealers.

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Access your accounts at PFCU 24 hours a day with Home Banking

Car Keys

Have you ever had an emergency such as Car breakdown, medical fees, attorney fees, etc. that require quick or emergency loan?

At Platinum Federal Credit Union, we understand this immediate need for liquid funds and so we have designed a loan product called emergency loan to fulfill this need of our members.

Emergency loans are available to PFCU members for up to $5,000 for emergency purposes only. PFCU's credit committee chairman and chief lending officer determines the loan purpose and if it qualifies for the emergency loan than the loan will be processed in 24 to 48 hours so that you can fix your car, take care of family, etc.

Please visit one of the credit union branch locations or download the forms required for emergency loan and talk to our loan officers for your emergency loan application processing.

Account Access
Access your accounts at PFCU 24 hours a day with Home Banking

Emergency Fund

Currently only offered in Georgia

A home equity line of credit (HELOC) or equity loan is a great way to leverage the value of your existing property and ensure you have funds available for whatever you want, such as home repairs and improvements, college tuition, a new car, or even a vacation home.

Life throws a curve ball, but you've got some equity in your home to help you handle unexpected expenses or buy that must-have item.

Take advantage of PFCU's HELOC with interest rates as low as Wall Street Journal Prime + 1%*. HELOC's are interest only for first five years and at the end of five years the balance outstanding is amortized over ten year period. Talk to one of our loan officers and see how our HELOC loan can help meet your needs.

Click here to see our low rates on HELOC's.

Application Form

*Rates subject to floor rate, credit and other qualifications

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Home Image

Platinum Federal Credit Union takes great pride in helping our members to buy – and keep – their homes. Our mortgages feature competitive-market rates and member-friendly terms. Whether you're in the market for a first home, upgrading to a bigger home or shopping for a vacation home, PFCU is here to help.

With the various mortgage loan plans we have available, there's sure to be one that fits your needs:

  • 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 VA mortgage loans available, along with ARM’s
  • And much more

Online Mortgage Pre-Qualification Application

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NMLS #609086

Low Mortgage Rates

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.

Unlike credit card, a personal loan gives you the comfort of knowing when your loan will be paid off. You'll also enjoy lower payments and possibly lower your overall interest costs. It's quick and easy to apply.

  • Flexible terms – 12 to 72 months
  • Loan approved within a day or two
  • Loans up to $100,000
  • One or Two guarantors required based on borrower’s income and credit
Apply Online Now

Click here to see our low rates on Persoal Loans. Click here to see the requirements based on loan amounts.

Account Access
Access your accounts at PFCU 24 hours a day with Home Banking

NMLS #609086

Personal Loans

How does Share/CD Secured Loan/Line of Credit work?

Visit one of our branch locations and apply for your fully secured loan at Platinum Federal Credit Union which is secured against your funds in Money Market account, Certificate of Deposit account or your Savings account at PFCU. You will have a low fixed rate on your loan and you can use this loan for any purpose. We have seen our members using these loans for business, line of credit to cover overdrafts, etc. You or your business pays the installment while your life savings are securely earning interest.

Click here to see our low rates on Share/CD Secured Loans.

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Access your accounts at PFCU 24 hours a day with Home Banking

Stock of Money

A No-hassle Signature loan from Platinum Federal Credit Union for amounts ranging from $5,000 to $100,000.

Signature loans can be used for down payment towards new business purchase, working capital, etc. Applying is quick and easy. Make sure you meet these requirements to apply for the loan. PFCU's signature loan comes with the following convenience.

  • Flexible terms – 12 to 72 months
  • Loan approved within a day or two
  • Loans ranging from $5,000 to up to $100,000
  • No Guarantors Required

Acceptance of Application does not guarantee the loan. Each loan will go through underwriting before a decision is made.

Click here to see our low rates on Signature Loans. Click here to see the requirements.

Account Access
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Stock of Money

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

At PFCU we understand different members have different needs. So we have developed three loan types for our students. Two loan types are disbursed and underwritten by PFCU in-house and the third loan type is offered from our partner Sallie Mae.

Now you can pay for college the smart way with great repayment options! Together we can do this.

This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates provides even more flexibility
  • No origination fees and no repayment penalty
  • Rewards and interest rate reduction available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists

To learn more or to apply, please get started here.

Account Access
Access your accounts at PFCU 24 hours a day with Home Banking

Student Loan

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.

The PFCU Platinum VISA® Credit Card is accepted everywhere you see the VISA symbol. PFCU's Platinum VISA® Credit Card is packed with convenience and offers ScoreCard® Reward Points which can be redeemed for Travel, Merchandise, Gift Cards, Statement Credit, etc.

See detailed Credit Card disclosure here!

  • Fixed Rate 9.90% to 17.90% APR
  • Annual Fee $0 to $49
  • Credit lines up to $10,000
  • 25-day grace period on all purchases
  • A low fee for balance transfers and cash advances
  • 24-hour toll-free account information
  • Additional cards available for authorized users at no charge

Account Access
Access your Platinum VISA® Credit Card at PFCU 24 hours a day with Credit Card Online or Credit Card Call Center 1-800-299-9842.

VISA Credit Card