Current Rates

Home Loans Current 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 December 1, 2018

New Vehicles

 

Model YearTermAPR as low as*
New36 months3.74%
New48 months3.99%
New66 months4.24%
New72 months5.24%
New84 months6.24%


Used Vehicles

 

Model YearTermAPR as low as*
2018-201436 months4.24%
2018-201448 months4.49%
2018-201466 months4.74%
2018-201472 months5.74%
2018-201484 months6.74%
2013-200948 months5.99%
2013-200960 months6.24%
2008 & Older36 months8.99%

Payment Example: New auto loan of $20,000 for 36 months at 2.29% APR will have a monthly payment of $576.


Home Equity - Closed End

 TermAPR as low as*
<= 80% LTVup to 60 months4.24%
<= 80% LTV84 months5.24%
<= 80% LTV120 months6.24%
<= 80% LTV180 months7.24%

Rates are as low as 3.49% 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 $100,000 at 4.24% APR for 10 years is $1,071.49.


Home Equity Line of Credit - Variable APR
 

 TermAPR as low as*
<= 75% LTVup to 180 months5.25%
>75% to 80% LTVup to 180 months5.75%
> 80% to 90% LTVup to 180 months6.25%


Unsecured
 

TermAPR as low as*
up to 60 months12.50%

Rates are as low as 12.00% 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 12.00% APR for 60 months is $309.36.

*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).