Loan Rates

Loan Rates
Loan TypeTermAnnual Percentage Rate Range
New Auto Term/credit score determines rate 5.25% - 13.25%
New Motorcycle Term/Credit determines rate 5.25% - 13.25%
Used Auto/ Motorcycle/ ATV's Term/credit score determines rate 2020-2021: 5.75% - 13.75%
    2015 to 2019: 6.75% - 14.75%
    2010 to 2014: 7.75% - 15.45%
    2009 and older: 8.75% - 16.75%
New Boat/ RV/ Travel Trailer Term/credit score determines rate 6.25% - 14.25%
Used Boat/ RV/ Travel Trailer Term/credit score determines rate 2020-2021: 6.75% - 14.75%
    2015 to 2019: 7.75% - 15.75%
    2010 to 2014: 8.75% - 16.75%
    2009 and older: 9.75%
New Personal Watercraft Up to 60 Months 5.25%-13.25%
Used Personal Watercraft Up to 84 Months 5.75%-14.75%
New Utility Tractor >25 HP Up to 84 Months 5.25% - 13.25%
Used Utility Tractor >25 HP Up to 84 Months 2020-2021: 5.75%-13.75%
    2015-2019: 6.75% - 13.75%
    2010 to 2014: 7.75% - 15.75%
    2009 and older: 8.75% - 16.75%
Lawn and Garden Equipment ($1,000 min) Up to 36 Months 7.75%-15.75%
Unsecured Signature Loans Up to 48 Months 8.75%-15.75%*
Storm Shelter Loans Up to 36 Months 3.99%-11.99%*
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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