Current Loan Rates

Home Loans Current Loan Rates

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

Car Rates   Home Equity Rates   Unsecured Loan  

 

Rates effective as of February 1st, 2023

New Vehicles

 

Model YearTermAPR as low as*
New36 months6.09%
New48 months6.09%
New66 months6.09%
New72 months6.29%
New84 months6.89%


Used Vehicles

 

Model YearTermAPR as low as*
2022-201936 months6.50%
2022-201948 months6.50%
2022-201966 months6.50%
2022-201972 months6.70%
2022-201984 months7.20%
2018-201648 months6.64%
2018-201666 months6.64%
2018-201672 months6.99%
2015-201348 months6.94%
2015-201360 months6.94%
2012 & Older36 months8.99%

Payment Example: New auto loan of $20,000 for 36 months at 3.74% APR will have a monthly payment of $588.


Home Equity - Closed End

 TermAPR as low as*
<= 90% LTV48 months6.00%
<= 90% LTV60 months6.00%
<= 90% LTV84 months6.25%
<= 90% LTV120 months6.75%

Rates are as low as 3.69% 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. A sample Fixed Equity Loan payment based on $20,000 at 4.24% APR for 10 years is $205.


Home Equity Line of Credit - Variable APR
 

 TermAPR as low as*
<= 75% LTVup to 180 months7.50%
>75% to 80% LTVup to 180 months8.00%
> 80% to 90% LTVup to 180 months8.50%


Unsecured
 

TermAPR as low as*
up to 60 months14.00%

Rates are as low as 12.50% APR and are based on an evaluation of credit history, so your rate may differ. A sample Unsecured Loan payment based on $10,000 at 12.50% APR for 60 months is $225.

*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).