Emergency Funds

We can offer a Borrow and Save up to $1500

Yes, but we don’t use the report in the loan decision, we want to help you build up your score, this loan isn’t about your past as much as it is about your future. Together we can help you get to where you want to be.

General

We understand that life happens and situations come up that cause financial hardship, we are here to help, give us a call, it’s easier to work with you before you get into trouble than after.

No. We have a Pay Now option that is not connected though online banking. Click here to pay your loan.

Interest accrues daily. Any amount added to the required monthly payment will be applied to the principal.

For Example: Monthly payment is $300. If you make a payment for $350, fifty dollars will be applied to the principal.

 

Personal Loans

2% of the balance owed or $25, whichever is greater.

It’s easy, you can apply online, on the phone or in person.

You can access the funds through online banking, ATM, and in the branch.

Student Loans

You can borrow up to 100% of school certified education costs (minimum $1,000).

You will have access to your online account management 24 hours a day, 7 days a week.

Vehicle Loans

Comprehensive and Collision coverage is required. Your deductible should be no more than $1,000 and PCU needs to be listed as the lien holder. Coverage should be in placed within 30 days of financing.

If you purchased your GAP with the dealership, the credit union will send a packet out to you once we receive the information that your vehicle has been deemed a total loss. The packet will include all the information necessary from us to begin your GAP claim.
If you purchased your GAP from the credit union we will file the claim for you once we receive the information that your vehicle has been deemed a total loss.
Gap generally will not cover any past due payments, skipped payments, missed payments, late charges and may reduce the amount your GAP policy covers causing a loan balance to remain

Yes, monthly payments are still required on your loan. We do have a skip pay program that you can utilize as long as your loan qualifies. The fee to skip one month payment is 30.00.

If you received your loan through our CUDL program you can expect the title or Affidavit in Lieu of title to be mailed to you in 10 business days. You will be required to take the title to your local Department of Licensing to have the credit union removed as legal owner.

If you refinanced your loan with us through our rate genius program you can expect the title or Affidavit in Lieu of title to be mailed to you in 10 business days. You will be required to take the title to your local Department of Licensing to have the credit union removed as legal owner.

If you received your loan directly from the credit union your title will be sent to the Department of Licensing after 10 business days to have the credit union removed as legal owner, you will receive your title from the Department of Licensing in about 6 to 8 weeks.

Please be sure that we have your current mailing address prior to your title being sent out.

You are now leaving Peninsula Credit Union’s website. 

You are about to navigate away from Peninsula CU’s website. Clicking on the link will take you to another website that is not operated by Peninsula Credit Union. PCFCU is not responsible for the content of the third-party website or transactions between our members and the third-party website. The privacy & security policies of the third-party website may differ from Peninsula Credit Union’s practices.

Cancel Accept