Loan Rates

Loan Rates
Loan TypeTermAnnual Percentage Rate Range
Heloc Loan   8.500%
New Auto Term/credit score determines rate 6.75% - 14.75%
Used Auto/ Motorcycle/ ATV's Term/credit score determines rate 7.25% - 18.25%
New Motorcycle Term/Credit determines rate 6.75% - 14.75%
New Boat/ RV/ Travel Trailer Term/credit score determines rate 7.75% - 16.75%
Used Boat/ RV/ Travel Trailer Term/credit score determines rate 8.75% - 18.25%
New Personal Watercraft Up to 60 Months 6.75% - 14.75%
Used Personal Watercraft Up to 84 Months 7.25% - 16.25%
Stress Line Loan Term/credit score determines rate 12.000% - 16.75%
Rec Vehicle Loan Term/credit score determines rate 7.75% - 18.25%
Signature Loan Term/credit score determines rate 10.25% - 18.25%
Unsecured Signature Loans Up to 48 Months 10.25%-18.25%
Share Secured Loan Term/credit score determines rate 3.000%
New Utility Tractor >25 HP Up to 84 Months 6.75% - 14.75%
Used Utility Tractor >25 HP Up to 84 Months 7.25% - 18.25%
Lawn and Garden Equipment ($1,000 min) Up to 36 Months 9.25% - 17.25%
Storm Shelter Loans Up to 36 Months 3.990%-11.99%
Visa Credit Card   13.560%
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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