Polk County Schools Employees Credit Union

Polk County Schools Employees Credit Union

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Loans and Credit

The essence of a credit union is in gathering savings deposits from our members and lending that money out to other members for useful purposes like car loans and home improvements. By carefully watching our costs and cutting out the profits that would otherwise go to the owners of financial institutions like payday lenders and banks, we can deliver higher interest rates to savers and lower interest rates to borrowers.

Loan Applications

We invite you to complete a loan application anytime and bring it in to the credit union for consideration.

What We Offer

Auto Loans

Year Term APR
New 60 Months 2.29%
Used (2012 or newer) 60 Months 2.29%
Used (2009 to 2011) 48 Months 2.99%
Used (2008 or older) 36 Months 5.99%

These rates are good on purchases and on refinancing your auto loan from other financial institutions.

If you need an estimate of a vehicle's value, we generally recommend starting with the Kelly Blue Book value estimate.

Home Loans

Type Term APR
Home Equity Loans (Closed-End) 120 Months 3.95%
Home Equity Lines of Credit Variable 5.00%

Motorcycle Loans

Type Term APR
New 60 months 2.99%
Used (2012 or newer) 60 months 2.99%
Used (2008 to 2011) 48 months 3.49%
Used (2007 and older) 36 months 4.25%

Boat, Camper, and RV Loans

Type Term APR
New 60 Months 3.75%
Used (2012 or newer) 60 Months 3.75%
Used (2008 to 2011) 48 Months 4.50%
Used (2007 or older) 36 Months 5.25%


All rates are subject to change without prior notice. Call the credit union directly to speak about your particular circumstances. Last updated April 18, 2016.