Skip nav to main content.

Consumer Loan Rates

Holiday Loan

Rates effective as of: December 15, 2024

*Annual Percentage Rate effective 11/1/24 and expires 12/31/24. Loan amount dependent upon credit worthiness. Existing FFCU and TLC loans not eligible.

Learn More and Apply

Autos (2019-2024)

*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.

Maximum term dependent on purchase price and mileage. Auto loans up to $10,000: maximum term 60 months. Auto loans $20,000 or more: maximum term 84 months. Gas vehicles exceeding 120,000 miles: maximum term 72 months.

Add .50% to rate for gas vehicles exceeding 100,000 miles and diesel vehicles exceeding 150,000 miles.
Purchase: Front end LTV >90%, add .25%; >100%, add .50%; >110%, add .75%; >120%, add 1.00%. Maximum LTV 130%.

Refinance: Back end LTV >100%, add .25%. Maximum LTV 130%.


Learn More and Apply

Autos (2014-2018)

*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.

Maximum term dependent on purchase price and mileage. Auto loans up to $10,000: maximum term 60 months. Auto loans $20,000 or more: maximum term 84 months. Gas vehicles exceeding 120,000 miles: maximum term 72 months.

Add .50% to rate for gas vehicles exceeding 100,000 miles and diesel vehicles exceeding 150,000 miles.

Purchase: Front end LTV >90%, add .25%; >100%, add .50%; >110%, add .75%; >120%, add 1.00%. Maximum LTV 130%.

Refinance: Back end LTV >100%, add .25%. Maximum LTV 130%.


Learn More and Apply

Autos (2013 or older)

*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.

Add .50% to rate for gas vehicles exceeding 100,000 miles and diesel vehicles exceeding 150,000 miles.

Purchase: Front end LTV >90%, add .25%; >100%, add .50%.

Refinance: Back end LTV >100%, add .25%. Maximum LTV 130%.


Learn More and Apply

New RVs (2023-2024)

*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.
** Maximum term dependent on purchase price:
New and Used RV/Boats 10 years old or newer
over $25,000 โ€“ Up to 180 months
RV/Boats over 10 yrs old
under $10,000 โ€“ Up to 60 months
over $25,000 โ€“ Up to 144 months

Learn More and Apply

Used RVs (10 years old or newer)

Rates effective as of: December 15, 2024

*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.
**Maximum term dependent on purchase price:
New and Used RV/Boats 10 years old or newer
over $25,000 โ€“ Up to 180 months
RV/Boats over 10 yrs old
under $10,000 โ€“ Up to 60 months
over $25,000 โ€“ Up to 144 months

Learn More and Apply

Used RVs (Over 10 years old)

*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.
**Maximum term dependent on purchase price:
New and Used RV/Boats 10 years old or newer
over $25,000 โ€“ Up to 180 months
RV/Boats over 10 yrs old
under $10,000 โ€“ Up to 60 months
over $25,000 โ€“ Up to 144 months

Learn More and Apply

New Boats (2023-2024)

*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.
**Maximum term dependent on purchase price:
New and Used RV/Boats 10 years old or newer
over $25,000 โ€“ Up to 180 months
RV/Boats over 10 yrs old
under $10,000 โ€“ Up to 60 months
over $25,000 โ€“ Up to 144 months

Learn More and Apply

Used Boats (10 years old or newer)

*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.
** Maximum term dependent on purchase price:
New and Used RV/Boats 10 years old or newer
over $25,000 โ€“ Up to 180 months
RV/Boats over 10 yrs old
under $10,000 โ€“ Up to 60 months
over $25,000 โ€“ Up to 144 months

Learn More and Apply

Used Boats (Over 10 years old)

*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.
** Maximum term dependent on purchase price:
New and Used RV/Boats 10 years old or newer
over $25,000 โ€“ Up to 180 months
RV/Boats over 10 yrs old
under $10,000 โ€“ Up to 60 months
over $25,000 โ€“ Up to 144 months

Learn More and Apply

New Adventure – Motorcycles, Water Crafts (2023-2024)

*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.
** Maximum term dependent on purchase price:
New Adventure โ€“ Motorcycle & Water Crafts
under $10,000 โ€“ Up to 60 months
over $10,000 โ€“ Up to 84 months
Used Adventure โ€“ Motorcycle & Water Crafts
under $25,000 โ€“ Up to 60 months
over $25,000 โ€” Up to 84 months
Used Adventure โ€“ Motorcycle & Water Crafts over 10 yrs old
under $20,000 โ€“ Up to 48 months

Learn More and Apply

Used Adventure – Motorcycles, Water Crafts (10 years old or newer)

*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.
** Maximum term dependent on purchase price:
New Adventure โ€“ Motorcycle & Water Crafts
under $10,000 โ€“ Up to 60 months
over $10,000 โ€“ Up to 84 months
Used Adventure โ€“ Motorcycle & Water Crafts
under $25,000 โ€“ Up to 60 months
over $25,000 โ€” Up to 84 months
Used Adventure โ€“ Motorcycle & Water Crafts over 10 yrs old
under $20,000 โ€“ Up to 48 months

Learn More and Apply

Used Adventure – Motorcycles, Water Crafts (Over 10 years old)

*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.
** Maximum term dependent on purchase price:
New Adventure โ€“ Motorcycle & Water Crafts
under $10,000 โ€“ Up to 60 months
over $10,000 โ€“ Up to 84 months
Used Adventure โ€“ Motorcycle & Water Crafts
under $25,000 โ€“ Up to 60 months
over $25,000 โ€” Up to 84 months
Used Adventure โ€“ Motorcycle & Water Crafts over 10 yrs old
under $20,000 โ€“ Up to 48 months

Learn More and Apply

Visa Platinum

*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.

Learn More and Apply

Visa Classic

*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.

Learn More and Apply

Personal Loans

Rates effective as of: December 15, 2024

*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.

Learn More and Apply

Personal Lines of Credit

*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.

Learn More and Apply

Home Equity Lines of Credit*

*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.
**Annual percentage rate is 2.0% higher for loan-to-value over 80%.
^Subject to change every 3 months with a floor of 3.25% APR. The maximum APR that will be charged is 18%. Typical closing costs range from $500 โ€“ $1,500.

Learn More and Apply

Fixed Rate Home Equity Limited Draw Line of Credit**^

Rates effective as of: December 15, 2024

*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.
**Rate dependent on term. Contact the Credit Union for additional information.
***Annual percentage rate is 2.0% higher for loan-to-value over 80%.
^ Property Insurance is required on home equity and mortgage loans. Typical closing costs range from $500 โ€“ $1,500.

Learn More and Apply

Raw Land

*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.

Buildable Lots

*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.

Manufactured Homes^

*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.
^ Property Insurance is required on home equity and mortgage loans.

Translate ยป