Woman in new car with keys

Your Credit Union is a great resource for loans for any need. We offer competitive rates, a variety of terms and a simple application process. Read more about the different types of loans we offer below, or give us a call and we’ll be happy to provide more information.

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New & Used Auto Loans

Finance your new or used car, truck, van, motorcycle or SUV with Patterson, and you’ll get the attention and service you deserve! You can also refinance your loan from another lender and potentially save money. We always have your best interests in mind; so you can trust the friendly staff at PFCU to help you get the best deal possible.

Recreation Loans

Ready to add to your leisure-time fun with a boat, personal watercraft, ATV or motor home? Let Patterson Federal Credit Union help you finance those dreams. We offer loans on new and used recreational vehicles. All our loans come with competitive interest rates and efficient, personalized service. When it's time to stop dreaming and hit the road or the water, come to Patterson FCU for your financing needs!

Farm Equipment Loans

If you farm for a living, you depend on your farm equipment every day. When it's time to replace your tractor, loader, etc., come to Patterson Federal Credit Union for the financing you need at attractive terms.


Personal Loans

A personal loan from Patterson Federal Credit Union can help with your loan needs, whatever they may be. You can use a personal loan to consolidate debt, finance a vacation or cover holiday expenses. These loans can also help you pay for medical emergencies and other unexpected events.

Credit Builder Loans

Members of Patterson Federal Credit Union who wish to establish or re-establish credit history may take advantage of our Credit Builder Loans. With a Credit Builder Loan, the amount the member borrows is deposited into their PFCU share account. The member makes regular payments on the loan, establishing a positive payment history we report to the credit bureau. As a result, the member’s credit score improves. A higher credit score translates into possible better rates on future loans.

Credit Builder Loan Features:

  • Loan amount of $500-$5,000
  • Term of 12-48 months
  • Loan funds are deposited into PFCU Savings account where it will earn dividends at the published dividend rate for this account.
  • Relationship discounts will apply.
  • Credit report will be obtained to aid in education and counseling.
  • Credit Builder Loan may not be refinanced.

Once loan has been repaid, the loan proceeds will be available for withdrawal by the member.

Share Secured Loan

With a Patterson Federal Credit Union share secured loan, your deposit in a Patterson Federal Credit Union share savings account or savings certificate serves as collateral to secure your loan. Share secured loans carry our most attractive interest rates, and you'll even continue to earn dividends on your savings!

Student Loans

Whether you’re an undergraduate, graduate student, or parent, Get money for school from Sallie Mae® Student loans from Patterson Federal Credit Unioin 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. Patterson 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.