Loan Rates

*Annual Percentage Rate as of March 1, 2025

Rates and terms are determined by member's overall credit history and are subject to change without notice.

rates-vehicle-loans table
Vehicle Loans
TermThe Rate Is As Low As...
Vehicle Loans - Model Years 2023 - 2025
1 - 72 Months4.99% APR
73 - 84 Months5.99% APR
For terms over 72 months$25,000 Minimum
Vehicle Loans - Model Years 2020-2022
1 - 72 months6.49% APR
Vehicle Loans - Model Years 2019 or older
1 - 24 Months8.00% APR
25 - 36 Months8.25% APR
37 - 48 Months8.50% APR
49 - 60 Months8.75% APR
61 - 66 Months9.00% APR
Classic/Antique Cars - 30 years old or older (Classic/Antique Car Appraisal Required)
1 - 72 Months5.49% APR
73 - 84 Months6.99% APR
For terms over 72 months$25,000 Minimum
Rates apply to loans paid by Automatic Transfer from an ACCESS FCU share draft. Rates for loans not paid by Automatic Transfer from an ACCESS FCU share draft are 25 basis points higher.

 

 

rates-vehicle-loans table
Harley-Davidson Motorcycles - New and Used
TermThe Rate Is As Low As...
Model Years 2023 - 2025
1 - 72 Months5.49% APR
Model Years 2020 - 2022
1 - 48 Months6.49% APR
Model Years 2019 and older
1 - 24 Months8.00% APR
25 - 36 Months8.25% APR
Rates apply to loans paid by Automatic Transfer from an ACCESS FCU share draft. Rates for loans not paid by Automatic Transfer from an ACCESS FCU share draft are 25 basis points higher.

 

 

rates-secured-loans table
Secured Loans - Including Boats, RVs, Motorcycles, and Home & Garden Equipment
TermThe Rate Is As Low As...
1 - 60 Months5.49% APR
61 - 72 Months6.49% APR
73 - 84 Months7.49% APR
85 - 120 Months (RV & Boats Only)7.49% APR
For terms over 60 months$15,000 Minimum
For terms over 72 months$25,000 Minimum
For terms over 84 monthsRVs & Boats only
Maximum terms varies by model yearPlease ask us for details

 

 

rates-loans table
Unsecured Loans
TermThe Rate Is As Low As...
1 - 60 Months9.99% APR

 

 

rates-home-equity-loans table
Home Equity Loans
TermThe Rate Is As Low As...
Home Equity Loans (Fixed Rate)
1 - 60 Months5.99% APR
61 - 84 Months6.74% APR
85 - 120 Months6.99% APR
121 - 180 Months7.24% APR
Home Equity Line of Credit ($7,500 Minimum)
5 year revolving line of credit followed by 15 year repayment periodPrime Rate - This is a variable rate. The maximum APR that may be imposed is 16.00%.

 

 

rates-mobile-home-loans table
Mobile Home Loans
TermThe Rate Is As Low As...
New Mobile Homes
1 - 120 Months14.60% APR
Used Mobile Homes (1-7 years old)
1 - 84 Months15.60% APR
Used Mobile Homes (8 years old & older)
1 - 48 Months16.60% APR

 

 

rates-loans table
Share Secured
TermThe Rate Is As Low As...
1 - 60 Months2.99% APR
61 - 120 Months3.99% APR

 

 

rates-loans table
Share Certificate Secured
TermThe Rate Is As Low As...
1 - 60 MonthsCertificate APY plus 2%

 

 

rates-loans table
Time Notes
TermThe Rate Is As Low As...
1 - 3 Months12.99% APR

 

 

rates-loans table
Overdraft Line of Credit
TermThe Rate Is As Low As...
Revolving13.85% APR

 

 

rates-loans table
Consolidation
TermThe Rate Is As Low As...
1 - 36 Months13.60% APR
37 - 60 Months14.85% APR