How can We Help You?
Access your account at PFCU 24hr a day with Home Banking or call us at 1(877)PFCU4YO (732-8496) or call/text us at (404) 297-9797.


Applying for an Auto Loan is easy as 123

  1. Apply - we have a quick and seamless online application which takes just minutes to complete
  2. Approval - one of our Loan Sales Specialist will contact you with any additional questions in order to get your application approved
  3. 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

Required Documents

  1. Bill of Sale/ Buyer’s Order
  2. Title Application which shows PFCU as Lienholder
  3. Proof of Insurance which shows PFCU as Loss Payee
  4. Valid Driver’s License
  5. $100 Loan Filing Fee

Required Documents

  1. Copy of Registration for the vehicle
  2. Proof of Insurance which shows PFCU as Loss Payee
  3. Valid Driver’s License
  4. $100 Loan Filing Fee

Title registration Fee vary by state and are included in the total loan refinance amount*

Ask your Loan Sales Specialist how you can protect your new purchase with Guaranteed Asset Protection (GAP) and Mechanical Repair Coverage (MRC) to save yourself thousands of dollars in the event of an accident or breakdown

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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

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

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

Online Mortgage Pre-Qualification Application

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

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 $49,900
  • One or Two guarantors required based on borrower’s income and credit
Apply Online Now

Click here to see our low rates on Personal 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.

Account Access
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 $49,900
  • 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
Access your accounts at PFCU 24 hours a day with Home Banking

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.

Student Loans for Platinum Federal Credit Union by Sallie Mae®

Whether you’re an undergraduate, graduate student, or parent, Get money for school from Sallie Mae®
Student loans from Platinum Federal Credit Union in partnership with Sallie Mae® could help!

Sallie Mae® higher education loans are designed for the needs of undergraduates, graduate students, and parents.

  • Competitive interest rates
  • Multiple repayment options
  • No origination fees; no prepayment penalty1

Smart Option Student Loan® for Undergraduate Students
Parent Loan
Plus, the graduate loan suite is designed to meet the needs of students in specific fields of study.

Find out which loan is right for you

Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. Platinum Federal Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers. Smart Option Student Loan and graduate loan products: This information is for students attending participating degree-granting schools.

Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Parent Loan: This information is for borrowers with students attending participating degree-granting schools. The student is not eligible to be a borrower or cosigner. The borrower, cosigner and student must be U.S. citizens or U.S. permanent residents. The school may refund loan funds directly to the student, and if that occurs, borrower, and cosigner (if applicable) would still be responsible for repaying that amount. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

1 Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.


© 2019 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.

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

Student Loan

Effective March 10, 2021, Credit Card payments may be subject to a 3 day hold.

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 $15,000
  • 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