Evergreen Advantage Program
At Western PA FCU, we believe loyalty should be rewarded. With our Evergreen Advantage Program, you can lower your loan rate just by using the services you already enjoy.
For each of the following , receive a .25% rate discount (up to 1.00% total):
- E-Statements
- Full Direct Deposit from your employer
- Checking Account
- Western PA Visa Credit Card
That means more savings over the life of your loan- helping you achieve your goals faster. See today’s rates listed below, including your potential Evergreen Advantage discount.
* This does not apply to Home Equity loans, Visa Credit Cards, or Loan Specials.
Vehicle Loans
New Auto (1st Owner)
| Evergreen Advantage | ||||
|---|---|---|---|---|
| New Auto as low as | 5.50% APR | as low as | 4.50% APR | 1-36 Months |
| New Auto as low as | 5.50% APR | as low as | 4.50% APR | 37-48 Months |
| New Auto as low as | 5.65% APR | as low as | 4.65% APR | 49-60 Months |
| New Auto as low as | 5.75% APR | as low as | 4.75% APR | 61-72 Months |
| New Auto as low as | 5.85% APR | as low as | 4.85% APR | 73-84 Months |
Used Auto 2025 – 2020
| Evergreen Advantage | ||||
|---|---|---|---|---|
| Used Auto as low as | 5.75% APR | as low as | 4.75% APR | 1-36 Months |
| Used Auto as low as | 5.75% APR | as low as | 4.75% APR | 37-48 Months |
| Used Auto as low as | 5.95% APR | as low as | 4.95% APR | 49-60 Months |
| Used Auto as low as | 6.15% APR | as low as | 5.15% APR | 61-72 Months |
| Used Auto as low as | 6.25% APR | as low as | 5.25% APR | 73-84 Months |
Used Auto 2019 & Older
| Evergreen Advantage | ||||
|---|---|---|---|---|
| Used Auto as low as | 6.15% APR | as low as | 5.15% APR | 1-36 Months |
| Used Auto as low as | 6.55% APR | as low as | 5.55% APR | 37-48 Months |
| Used Auto as low as | 7.05% APR | as low as | 6.05% APR | 49-60 Months |
ATV/Non-Street Motorcycles
| Evergreen Advantage | ||||
|---|---|---|---|---|
| New as low as | 7.25% APR | as low as | 6.25% APR | Up to 60 months |
| Used as low as | 7.50% APR | as low as | 6.50% APR | Up to 60 months |
Recreational Vehicles
| Evergreen Advantage | ||||
|---|---|---|---|---|
| New as low as | 8.50% APR | as low as | 7.50% APR | Up to 60 months |
| Used as low as | 8.75% APR | as low as | 7.75% APR | Up to 60 months |
Home Equity Loans ( excluded from Evergreen Advantage)
| Up to 5 years | 5.75% APR | |
|---|---|---|
| Up to 10 years | 6.00% APR | |
| Up to 15 years | 6.25% APR | |
| Up to 20 years | 6.50% APR |
Visa Credit Card
| 12.75% APR (excluded from Evergreen Advantage) |
Personal Loans
| Evergreen Advantage | ||||
|---|---|---|---|---|
| As low as | 8.75% APR | as low as | 7.75% APR | Up to 36 months |
| As low as | 9.25% APR | as low as | 8.25% APR | Up to 60 months |
Share Secured Loans
| Evergreen Advantage | ||||
|---|---|---|---|---|
| 100% Secured | 3.50%APR | as low as | 2.50% APR | |
| 50% Secured | 5.50%APR | as low as | 4.50% APR |
Shared Certificate Loans
| Evergreen Advantage | ||||
|---|---|---|---|---|
| 100% Secured | Certificate Rate + 3.25%APR | as low as | Certificate Rate | + 2.25% |
| 50% Secured | Certificate Rate + 4.25%APR | as low as | Certificate Rate | + 3.25% |
Rates are subject to change without notice.* – Actual rate is based on credit score and term of loan.
All rates are expressed as ANNUAL PERCENTAGE RATES (APR).