First Federal Credit Union

Current Loan Rates

Browse the rates for each of the loan options offered by First Federal Credit Union.

 

Rates effective as of April 1st, 2024

 

New Vehicles

 

Model Year Term APR as low as*
New 66 months 7.54%
New 72 months 7.64%
New 84 months 7.84%

 

Used Vehicles

 

Model Year Term APR as low as*
2023 66 months 7.54%
2023 72 months 7.64%
2023 84 months 7.84%

 

   
2022 66 months 7.54%
2022 72 months 7.64%
2022 84 months 7.84%
     
2021 66 months 7.94%
2021 72 months 8.04%
2021 84 months 8.24%
     
2020 66 months 7.94%
2020 72 months

8.09%

2020 84 months 8.64%
     
2019 48 months 7.95%
2019 66 months 8.25%
2019 72 months 8.35%
     
2018 48 months 8.55%
2018 66 months 8.79%
2018 72 months 8.89%
     
2017 48 months 8.64%
2017 66 months 8.84%
2017 72 months 8.94%
     
2016 48 months 8.74%
2016 60 months 8.84%
     
2015 48 months 8.99%
2015 60 months 9.09%
     
2014 & Older 36 months 10.49%

 

 

Home Equity - Closed End

  Term APR as low as*
<= 90% LTV 60 months 7.50%
<= 90% LTV 84 months 7.625%
<= 90% LTV 120 months 7.75%
<= 90% LTV 180 months 8.00%
Rates are as low as 7.50% APR and are based on an evaluation of credit history, CLTV (combined loan-to-value) ratio, loan amount and occupancy, so your rate may differ. 

 

Home Equity Line of Credit - Variable APR

 

  Term APR as low as*
<= 75% LTV up to 180 months 8.50%
>75% to 80% LTV up to 180 months 9.00%
> 80% to 90% LTV up to 180 months 9.50%

 

Unsecured

 

Term APR as low as*
up to 60 months 14.50%
Rates are as low as 14.00% APR and are based on an evaluation of credit history, so your rate may differ. 

 
*Loan rates listed above show the best rate and applies to those borrowers with an excellent credit rating. Your rate may vary based on personal credit history. The Annual Percentage Rate you receive will be based upon credit, equity and term. Please call or apply online to have us calculate your rate. All rates subject to change without notice. Loan rates include a discount of 0.50% APR for enrollment of direct deposit and automatic loan payments from a First Federal Credit Union checking account.  Homeowners should ask about our home equity loan products for possible tax savings (consult your tax advisor).
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