Semi - Annual Auto Loan Sale We will beat your current rate by October 1-October 31, 2018 PR pgmfcu.org 570-675-3370 APR Annual Percentage Rate. Credit Union membership is required for loan approval. Loan terms and conditions depend on credit qualifications and approval. Loan applies to the refinancing of auto loans from other financial institutions only. Minimum rate offered will not be less than 2%. New-Used Auto Loan Payment Example: A 60 month new-used auto loan with a 2.99% fixed APR would have monthly payments of $17.97 per P&G Mehoopany Employees Federal Credit Union $1,000 borrowed. PGMEFCU: Federally insured by NCUA.