Loan Rates
Loan Rates
| Loan Type | Term | Annual Percentage Rate Range |
|---|---|---|
| New Auto | Up to 78 Months | 2.45% - 10.45% |
| New Motorcycle | Up to 72 Months | 2.45% - 10.45% |
| Used Auto/ Motorcycle/ ATV's | Up to 72 Months | 2018-2019: 2.99% - 10.99% |
| 2012 to 2017: 3.99% - 11.99% | ||
| 2007 to 2011: 4.99% - 12.99% | ||
| 2006 and older: 5.99% - 13.99% | ||
| New Boat/ RV/ Travel Trailer | Up to 180 Months | 3.45% - 11.45% |
| Used Boat/ RV/ Travel Trailer | Up to 120 Months | 2017-2018: 3.99% - 11.99% |
| 2011 to 2016: 4.99% - 12.99% | ||
| 2006 to 2010: 5.99% - 13.99% | ||
| 2005 and older: 6.99% - 14.99% | ||
| New Personal Watercraft | Up to 60 Months | 2.45%-10.45% |
| Used Personal Watercraft | Up to 48 Months | 2.99%-10.99% |
| New Utility Tractor >25 HP | Up to 84 Months | 2.45% - 10.45% |
| Used Utility Tractor >25 HP | Up to 84 Months | 2017-2018: 2.99% - 10.99% |
| 2011 to 2016: 3.99% - 11.99% | ||
| 2006 to 2010: 4.99% - 12.99% | ||
| 2005 and older: 5.99% - 13.99% | ||
| Lawn and Garden Equipment ($1,000 min) | Up to 36 Months | 5.99%-13.99% |
| Unsecured Signature Loans | Up to 36 Months | 8.99%-16.99%* |
| Unsecured Signature Loans | Up to 12 Months | 1.45% with credit score >625* |
| Storm Shelter Loans | Up to 60 Months | 2.45%-10.45%* |
| 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 | ||