Loan Rates

Loan Rates
Loan TypeTermAnnual Percentage Rate Range
New Auto Term/credit score determines rate 2.95% - 10.45%
New Motorcycle Term/Credit determines rate 2.95% - 10.45%
Used Auto/ Motorcycle/ ATV's Term/credit score determines rate 2020-2022: 3.49% - 11.49%
    2015 to 2019: 4.49% - 12.49%
    2010 to 2014: 5.49% - 13.49%
    2009 and older: 6.49% - 14.49%
New Boat/ RV/ Travel Trailer Term/credit score determines rate 3.95% - 11.95%
Used Boat/ RV/ Travel Trailer Term/credit score determines rate 2020-2022: 4.49% - 12.49%
    2015 to 2019: 5.49% - 13.49%
    2010 to 2014: 6.49% - 14.49%
    2009 and older: 7.49%
New Personal Watercraft Up to 60 Months 2.95%-10.95%
Used Personal Watercraft Up to 84 Months 3.49%-11.95%
New Utility Tractor >25 HP Up to 84 Months 2.95% - 10.95%
Used Utility Tractor >25 HP Up to 84 Months 2015-2019: 3.49% - 14.49%
    2010 to 2014: 5.49% - 13.49%
    2009 and older: 6.49% - 14.49%
Lawn and Garden Equipment ($1,000 min) Up to 36 Months 6.49%-14.49%
Unsecured Signature Loans Up to 48 Months 6.49%-14.49%*
Storm Shelter Loans Up to 36 Months 1.99%-9.99%*
Share/CD Secured Loans (Available Balance) Dependent on Amount 3% above last dividend rate
All terms are dependent on loan amount, collateral, & other compensating factors. >78 month term requires a minimum $25K loan. Terms > 72 months and <$25K are avaliable with purchase of FOPFCU ancillary product(s). (Boats & RV's: <$10K: 60 Month Max Term; $10,001-$15K : 72 Month Max Term; > $15,001-$20K: Up to 96 Month Term; > $20,001 Up to 120 Month Term).
APR Range: Rates listed are the lowest and highest rate (APR) available.
All rates are dependent on individual credit and other compensating factors. 2.99% base rate is up to 78 month term; 3.99% base rate applies to 79-120 month term

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