Loan Rates

Loan Rates
Loan TypeTermAnnual 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 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%
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

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