Secured Loan Rates
View our current rates on all of our secured loan options.
Savings Secured
| Term | APR* | Comments |
|---|---|---|
36 months | 3.00% | Add 0.25% to APR* per 12 months up to 60 months |
Certificate Secured
| Term | APR* | Comments |
|---|---|---|
Single Payment | See comments | Rate is 2% above Certificate rate with a floor rate of 3.00% |
Other Secured - New
| Term | APR* |
|---|---|
48 months | 10.25% to 17.50% |
60 months | 10.50% to 17.75% |
Other Secured - Used
| Term | APR* |
|---|---|
48 months | 10.50% to 18.00% |
*Annual Percentage Rate. Rates are based on credit worthiness, so your rate may differ. Savings Secured loan rates range from 3.00% to 3.50% APR. Payment Example: A Savings Secured loan of $5,000 for 36 months at 3.00% APR will have a monthly payment of $146 and finance charge of $236.
*Annual Percentage Rate. Rates are based on credit worthiness, so your rate may differ. Other Secured loan rates range from 11.25% to 18.00% APR. Payment Example: Other Secured loan of $10,000 for 60 months at 11.25% APR will have a monthly payment of $219 and finance charge of $3,125.
*Annual Percentage Rate. The maximum APR that can apply is 18.00%. Prime is a variable rate; as it changes, the APR on your account will also change.
*Annual Percentage Rate. Contact the Credit Union for further information on applicable fees and terms. Rates as of October 14, 2026. All rates are subject to change. Your actual interest rate may vary depending on your credit history, collateral, term, and loan to value. For all the products and services described herein, conditions and credit approval may apply. Eligibility required.
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