HOME - Money Makeover Challenge
Our goal is to save our community Million in interest by refinancing higher interest loans from other banks to PCCU.
$ 2
ACTUAL SAVINGS TO-DATE
$1,332,939
SEE 2012 SAVINGS
$2,563
$45,231
AVERAGE SAVINGS PER MORTGAGE IN 2012
AVERAGE SAVINGS PER AUTO LOAN IN 2012
HOW MUCH COULD YOU SAVE?
Give us 3 Minutes and 3 Answers and we’ll tell you!
1) Your Loan Amount? 2) Monthly Payment? 3) Number of Payments?
Marta Call
Member Relationship Manager
NMLS ID#488198
Josh Haney
Branch Manager
NMLS ID#488204
Amy Clark
Branch Manager
NMLS ID#488199
Melissa Soper
Branch Manager
NMLS ID #488205
SEE HOW MUCH THESE PEOPLE SAVED!
Happy Customer #3
Happy Customer #2
Happy Customer #1
Refinanced: Auto Reduced monthly payment by $75 Interest Savings: $1,290 (from Sallye)
Refinanced: Mortgage Reduced rate from 5.5% to 2.625% Increased payment by $157 Reduced term by 11 years!!! Interest Savings: $49,000 (from Melissa)
Refinanced: Auto Reduced rate from 4.08% to 2.79% Reduced monthly payment by $40 Interest Savings: $261.20 (from Dava)
Happy Customer #4
Happy Customer #6
Happy Customer #5
Refinanced: Harley motorcycle Reduced rate from 14% to 5.46% Reduced term by 16 months Increased payment by only $32 Interest Savings: $7,231 (from Sallye)
Refinanced: Mortgage Rate reduced by 3.5% Reduced monthly payment by $52 Term increased by 9mths Interest Savings: $3,977 (from Amy)
Refinanced: Mortgage Term reduced by nearly 7 years Rated reduced by 7.6% WOW! Reduced monthly payment by $90 Interest Savings: $111,744 (from Amy)
Happy Customer #9
Happy Customer #8
Happy Customer #7
Refinanced: Mortgage Reduced Payment: $120 Reduced Term: 7 years Interest Savings: $60,816
Refinanced: 2 Autos & 10 Credit Cards Reduced payments by $490 Interest Savings on Autos: $1,356 (from Sallye)
Refinanced: Auto Reduced monthly payment by $76 Term remained the same Reduced rate from 8.46% to 2.99% Interest Savings: $1,114 (from Marta)
Refinanced: Auto & Motorcycle Reduced payments by $28 Term remained the same Reduced rates from 13.6% to 2.99% and 8.331% to 2.99% Interest Savings: $4,497 (from Marta)
Happy Customer #11
Happy Customer #12
Happy Customer #10
Refinanced: Auto Reduced rate from 4.725% to 2.75% Reduced term by 6 mths Reduced monthly payment by $47 Interest Savings: $6,932 (from Josh)
Refinanced: Auto Reduced rate from 5.5%to 3.75% Term increased by 42mths BUT...the Payment reduced by $206 Interest Savings: $25,603 (from Josh)
Refinanced: Mortgage Reduced rate by 1.625% Reduced monthly payment by $30 Term increased by 3 years Interest Savings: $20,693 (from Amy)
Happy Customer #15
Happy Customer #14
Happy Customer #13
Refinanced: Auto Rate reduced from 21% to 4.35% Monthly payment reduced by $119 Term remained the same Interest Savings: $10,405 (from Marta)
Refinanced: Mortgage Rate reduced from 5.75% to 3.25% Monthly payment increased by $254 BUT... term reduced from 30 years to 10!!! Interest Savings: $62,500 (from Melissa)
Refinanced: Mortgage Rate reduced from 5.5% to 2.65% Payment goes up $177 BUT...Term reduced by 12.5 years! Interest Savings: $82,879 (from Josh)
Happy Customer #18
Happy Customer #17
Happy Customer #16
Refinanced: Auto Interest Saved: $2,346.50 More details to come... (from Sallye)
Refinanced: Mortgage Term reduced by 12 years Monthly payment reduced by $381 Rate reduced from 6.125% to 3.5% Interest Savings: $22,690 (from Stacey)
Refinanced: Auto Rate reduced from 19.32% to 5.36% Monthly payment reduced by $68 Term remained the same Interest Savings: $3,263 (from Dava)
Happy Customer #21
Happy Customer #19
Happy Customer #20
Refinanced: Auto Term stayed the same Rate reduced from 6.32% to 2.99% Monthly payment reduced by $10 Interest Savings: $705 (from Melissa)
Refinanced: Auto Term stayed the same Monthly payment reduced by $32 Rate reduced from 5.6% to 2.99% Interest Savings: $244.74 (from Dava)
Refinanced: Auto Rated reduced from 5.9% to 2.99% Term increased by 4 mths Monthly payment reduced by $20 Interest Savings: $771.74 (from Dava)
Refinanced: Auto Rate reduced from 5.75% to 2.99% Term increased by 4 months Payment reduced by $42 Interest saved: $188.76 Note: We used the equity in the auto to help payoff the other two autos, two credit cards and knock out a large portion of another credit card. Refinanced: Auto Rate reduced from 8.43% to 2.99% Term increased by 9 months Payment reduced by $106 Interest saved: $3,253.06 (from Dava)
Happy Customer #22
Happy Customer #23
Refinanced: Auto Term increased by 4 months Rate reduced from 17.54 to 2.99% Monthly payment reduced by $59 Interest Savings: $1,905 (from Josh)
Refinanced: Auto Rate reduced from 7.23% to 2.99% Term increased by 2 months Payment reduced by $74 Interest saved: $3,361
Happy Customer #24
Happy Customer #25
Happy Customer #26
Refinanced: Credit Card Rate reduced from 16.5% to 8.23% Interest saved: $8,243 Refinanced: School Loans (2) Rate reduced from 6% to 8.23% Term reduced by 3.5 years Interest saved: $12,583 (from Marta)
Refinanced: Credit Card & 2 Autos Rate reduced from 8.55% and 8.84% to 2.99% Monthly Payment reduced by $104 Interest saved: $4,076.96 (from Josh)
Refinanced: Credit Card Rate reduced from 16.99% and 9.73% Interest saved: $996.79 (from Marta)
Happy Customer #27
Happy Customer #29
Happy Customer #28
Refinanced: Auto Loan Rate reduced from 9.14% to 3.5% Monthly payment reduced by $45 Extended term by 5 months Interest saved: $488.52 (from Dava)
Refinanced: Auto Loan Interest went from 19.95% to 5.46% Monthly payment reduced by $165 Reduced term by 6 months Interest saved: $14,646.87 (from Dava)
Refinanced: Auto Loan Reduced rate from 5.89% to 2.99% Term is the same Interest saved: $900 Consolidated three credit cards Rates of 24.99%, 21.9%, 15.9% to 7.98% Reduced payoff plan by 2 years Interest saved: $5,376 (from Marta)
Happy Customer #30
Happy Customer #32
Happy Customer #31
Refinanced: Auto Loan Interest went from 11.27% to 2.99% Monthly payments reduced by $77 Term stayed the same Interest saved: $3,978.49 (from Dava)
Refinanced: Mortgage Interest went from 7.32% to 4.125% Term reduced by 4 years Interest saved: $45,600 (from Sallye)
Refinanced: 3 credit cards and 2 finance companies into one personal loan Monthly payment reduced by $247 Total Savings: $4,660 (from Sallye)
Happy Customer #33
Happy Customer #35
Happy Customer #34
Refinanced: Mortgage Interest went from 5.125% to 2.75% Monthly payment increased by $30 Term reduced by 10 years Interest saved: $37,915.74 (from Melissa)
Refinanced: Auto Monthly payment reduced by $96 Term reduced by 1 year Interest saved: $1,200 (from Melissa)
Refinanced: Credit Card Consolidation Rate went from 22% to 9.99% Term reduced by 3 months Interest saved: $1,093 (from Melissa)
Happy Customer #37
Happy Customer #38
Happy Customer #36
Refinanced: Auto Rate went from 7.1% to 5.36% Term stayed the same Payment decreased by $13/mth Interest saved: $1,469 (from Amy)
Refinanced: RV Rate went from 9.91% to 5.85% Term stayed the same Monthly payment reduced by $29 Interest saved: $2,818 (from Dava)
Refinanced: Mortgage Rate went from 6.25% to 2.99% Term reduced by 17years Payment increased by $61/mth Interest saved: $33,831 (from Sallye)
Happy Customer #41
Happy Customer #39
Happy Customer #40
Refinanced: Credit Card & Pers. Loan Rate went from 19.99% to 7.75% Term reduced by 25 years Monthly payment reduced by $151 Interest saved: $45,800 (from Sallye)
Refinanced: Auto & 4 credit cards Rates ranged from 14.5% to 17.9% Reduced monthly payments from $77/mth Interest saved: $46,434 (from Marta)
Refinanced: Auto Rate went from 6.96% to 4.3% Term increased by 4 months Monthly payment reduced by $52 Interest saved: $775.64 (from Melissa)
Happy Customer #44
Happy Customer #43
Happy Customer #42
Refinanced: Auto Interest rate went from 30% to 4.2% Payment went from $165 to $128 Term stayed the same Interest saved: $876 (from Dava)
Refinanced: Mortgage Rate went from 5.5% to 3.75% Term stayed the same Monthly payment reduced by $68 Interest saved: $15,504 (from Sallye)
Refinanced: 5 Credit Cards & Pers. Loan Rates went from 17.5% to 2.99% Terms varied. Saved over 15 years in all! Monthly payment reduced by $349 Interest saved: $42,165 (from Marta)
Happy Customer #46
Happy Customer #47
Happy Customer #45
Refinanced: 3 credit cards Rates averaged 16%, now 3% Term reduced by 17 years Monthly payment reduced by $953 Interest saved: $68,593 (from Sallye)
Refinanced: Auto Rate went from 6.61% to 2.99% Term stayed the same Monthly payment reduced by $33 Interest saved: $2,293 (from Dava)
Refinanced: 6 credit cards Rates ranged from 11.9% to 21.99% Term reduced by 5 years Monthly payment reduced by $88 Interest saved: $17,633 (from Marta)
Happy Customer #49
Happy Customer #48
Happy Customer #50
Refinanced: Auto Reduced interest from 21% to 7.10% Reduced payment by $45 per month Kept term the same Interest saved: $2160.00 (from Marta)
Refinanced: Auto Reduced interest from 21% to 4.3% Reduced payment by $77.80 per month Reduced term by 6 months Interest saved: $5,998 (from Marta)
Refinanced: Mortgage Reduced interest from 6.35% to 2.65% Reduced term by 12 years Decreased payment by $146 Interest saved: $31,760 (from Marta)
Happy Customer #51
Happy Customer #52
Happy Customer #53
Refinanced: Credit Card Reduced interest from 29.99% to 9.73% Reduced payment by $33 per month Reduced term by 2 years Interest saved: $583 (from Sallye)
Refinanced: Auto Reduced interest from 4.21% to 3.03% Term stayed the same Interest saved: $2,100 (from Brandi)
Refinanced: Auto Reduced interest from 3.78% to 2.78% Term reduced by 1 year Payment increased by $132/mth Interest saved: $638 (from Sallye)
Happy Customer #56
Happy Customer #55
Happy Customer #54
Refinanced: Mortgage Reduced interest by 3.76% Reduced payment by $77 per month Reduced term by 6.6 years Interest saved: $628 (from Dava)
Refinanced: Mortgage Reduced interest from 11.1% to 3.75% Reduced payment by $77 per month Reduced term by 6.6 years Interest saved: $112,701 (from Amy)
Refinanced: Credit Card Reduced interest from 10.25% to 6.25% Reduced payment by $171 per month Reduced term by ? (could've taken 4ever) Interest saved: $4,547 (from Sallye)
Happy Customer #59
Happy Customer #58
Happy Customer #57
Refinanced: Auto Reduced interest from 20.1% to 5.2% Increased term by 3 months Payment reduced by $93 Interest saved: $2,193 (from Dava)
Refinanced: Auto Reduced interest from 3.68% to 2.78% Increased term by 5 months Reduced payment by $47 Interest saved: $192 (from Dava)
Refinanced: Credit Card Reduced interest from 11.99% to 8.23% Reduced term by ? (could've taken 4ever) Interest saved: $612 (from Dava)
Happy Customer #62
Happy Customer #60
Happy Customer #61
Refinanced: Mortgage Reduced interest from 4% to 2.99% Reduced term by 31 months Increased payment by $90 Interest saved: $8,627 (from Amy)
Refinanced: Auto Reduced interest from 28.37% to 2.78% Reduced term by 5 months Reduced payment by $18 Interest saved: $1,322 (from Dava)
Refinanced: Auto Reduced interest .83% Term stayed the same Reduced payment by $10 Interest saved: $850 Refinanced: Mortgage Reduced term by 6 months Payment staying the same Interest saved: $3,200 (from Amy)
Happy Customer #64
Happy Customer #63
Happy Customer #65
Refinanced: Mortgage Reduced interest from 7.375% to 2.65% Reduced term by 8 years Decreased payment by $568 Interest saved: $26,038 (from Sallye)
Refinanced: Mortgage Reduced interest from 4.625% to 2.75% Reduced term by 12 years Increased payment by $229 Interest saved: $94,371 (from Josh)
Refinanced: Mortgage Reduced interest from 8.375% to 2.99% Reduced term by 15 years Increased payment by $84 Interest saved: $52,014 (from Melissa)
Happy Customer #66
Happy Customer #67
Happy Customer #68
Refinanced: Auto Reduced interest from 6.65% to 2.78% Reduced term by 1 year Increased payment by $86 Interest saved: $1,752 (from Brandi)
Refinanced: Auto Reduced interest from 3.32% to 1.99% Term stayed the same Reduced payment by $19 Interest saved: $892 (from Dava)
Refinanced: Auto Reduced interest from 2.14% to 1.99% Term stayed the same Reduced payment by $15 Interest saved: $61 They said, "Just happy to finance local!" (from Dava)
Happy Customer #69
Happy Customer #70
Happy Customer #71
Refinanced: Auto Reduced interest from 6.25% to 2.625% Reduced term by 3 years Reduced payment by $15 Interest saved: $50,366 (from Sallye)
Refinanced: Auto Reduced interest from 13.99% to 1.99% Increased term by 6 months Reduced payment by $66 Interest saved: $1,928 (from Josh)
Refinanced: Auto Reduced interest from 4.08% to 2.78% Decreased term by 15 months Interest saved: $990 (from Brandi)
Happy Customer #72
Happy Customer #74
Happy Customer #73
Refinanced: Mortgage Reduced interest from 6.125% to 2.99% Reduced term by 10 years Increased payment by $75 Interest saved: $26,872 (from Sallye)
Refinanced: Auto Reduced interest from 17.38% to 5% Reduced monthly payment by $43 Interest saved: $1,124 (from Dava)
Refinanced: Mortgage Reduced interest from 5% to 3.75% Reduced monthly payment by $134 Interest saved: $8,398 (from Josh)
Happy Customer #77
Happy Customer #75
Happy Customer #76
Refinanced: Auto Reduced interest from 8.73% to 1.99% Increased term by 1 year Decreased payment by $161 Interest saved: $3,695 (from Dava)
Refinanced: Mortgage Reduced interest from 6% to 2.99% Increased monthly payment by $143 Reduced term by 9.5 years Interest saved: $37,602 (from Sallye)
Refinanced: Auto Reduced interest from 7.92% to 1.99% Reduced monthly payment by $54 Increased term by 5 months Interest saved: $564 (from Dava)
*Quoted savings are real savings by new and current members to PCCU. Actual savings for individuals will vary based on loan terms. New money only. Mortgages are owner occupied only. This institution is not federally insured.
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