Personal Loan Rates
Rates Effective: February 4th, 2025. These rates, programs, terms and conditions are subject to change without notice. Meritrust Credit Union membership required.
Auto Rates |
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|---|---|---|
| Autos & Motorcycles 1 | ||
| Length of Term in Months | Min. Finance Amount | APR as low as ** |
| 0-48 | -- | 5.25% |
| 49-63 | -- | 5.50% |
| 64-72 | -- | 5.75% |
| 73-78 | $20K | 6.25% |
| 79-84 | $25K | 6.50% |
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**Rates are based on credit score and a .25% autopay ACH discount that originates from a Meritrust Credit Union account. Rates will not fall below the floor rates. No other discounts apply. |
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Recreational Vehicles |
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| Boats, Campers, Jet Skis, Motor Homes & Travel Trailers 2 | ||
| Length of Term in Months | Min. Finance Amount | APR as low as |
| 0-60 | -- | 7.00% |
| 61-84 | $15k | 7.25% |
| 85-120 | $25K | 7.50% |
| 121-180 | $50K | 7.75% |
Personal Loan Rates |
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| Signature Loan 3 | ||
| Length of Term in Months | Min. Finance Amount | APR as low as |
| 24 | $500 | 11.00% |
| 36 | $500 | 12.00% |
| 48 | $500 | 13.00% |
| 60 | $500 | 14.00% |
| Share Secured Loan (Savings) 4 | ||
| Length of Term in Months | Min. Finance Amount | APR as low as |
| up to 36 | $500 | Account APY + 3.00 |
| Share Certificate Secured Loan 5 | ||
| Length of Term in Months | Min. Finance Amount | APR as low as |
| up to 36 | $500 | Certificate Rate + 3.00 |
| Credit Cards and Line of Credit | ||
| Product name | Min. Finance Amount | APR as low as |
| Shared Secure VISA® | $500 | from 9.75% - 17.99% |
| Rewards VISA® | $500 | WSJ Prime rate + 12.99 up to 18.00% maximum |
| Member Select VISA® | $500 | from 9.75% - 17.99% |
| Unsecured Line of Credit | $500 | from 10.00% - 18.00% |
No annual fees, cash advance fees or foreign transaction fees.
Loans are Subject to approval.
- For a borrower with a credit score of 750, a $50,000 Auto Loan finance amount with a 48 month term, with the first payment due 45 days from the date of closing, would require 48 monthly payments of $1,157.14 at an APR of 5.352%.
- For a borrower with a credit score of 750, a $30,000 Recreational Vehicle Loan finance amount with a 60 month term, with the first payment due 45 days from the date of closing, would require 60 monthly payments of $598.35 at an APR of 7.150%.
- For a borrower with a credit score of 750, a $5,000 Signature Loan, with a 24 month term and the first payment due 45 days from the date of loan closing will require 24 monthly payment of $234.16 at an APR of 11.00%.
- A $5,000 Share Secured Loan with a 24 month term, an account APY of .5% and the first payment due 45 days from the date of loan closing will require 24 monthly payments of $219.03 at an APR of 4.66%.
- A $5,000 Share Certificate Secured Loan with a 24 month term, a 33 month certificate rate of 2.33% and the first payment due 45 days from the date of loan closing will require 24 monthly payments of $223.93 at an APR of 7.032%.
Final APR and monthly payments are determined based borrower(s) credit score, total amount financed and final loan term and loan origination fees.. Vehicles outside of collateral guidelines are subject to final underwriter approval and may be subject to a higher APR.
