Auto & Truck Loan rates as low as 5.59% APR* + $200 cash to refinance with us! Apply online
Platinum MasterCard® rate as low as 11.90% APR*. Apply online
Home Equity Loan rates as low as 6.24% APR* Apply online
HELOC (Home Equity Line of Credit) variable with prime rate Apply online
Personal/Unsecured Loan rates as low as 10.99% APR* Apply online
RV Loan Special: rates as low as 7.49% APR for up to 144 months* Apply online
AUTOS/MOTORCYCLES
| Model Year | Term | APR as low as* |
| 2023 & newer | 36 months | 5.59% |
| 48 months | 5.59% | |
| 60 months | 5.59% | |
| 72 months | 5.74% | |
| 84 months | 6.20% | |
| For loan amounts greater than $70,000 | 96 months** | 7.04% |
| 2022 & 2021 | 36 months | 5.74% |
| 48 months | 5.74% | |
| 60 months | 5.74% | |
| 72 months | 5.99% | |
| 84 months | 6.29% | |
| 2020 & 2019 | 36 months | 5.84% |
| 48 months | 5.84% | |
| 60 months | 6.14% | |
| 72 months | 6.44% | |
| 2018 – 2015 | 36 months | 6.39% |
| 48 months | 6.64% | |
| 60 months | 6.89% | |
| 2014 & older | 36 months | 9.59% |
| 48 months | 10.09% |
OTHER SECURED (TRAILERS, ATVs, ETC…)
| Term | APR as low as* |
| 12 months | 8.50% |
| 24 months | 8.75% |
| 36 months | 9.00% |
| 48 months | 9.50% |
| 60 months | 10.00% |
RV/MARINE
| Model Year | Amount | Term | APR as low as* |
| 2023 & newer | up to 84 months | 7.49% | |
| >$25,000 | up to 120 months | 8.24% | |
| >$40,000 | up to 180 months | 8.49% | |
| 2018 – 2022 | up to 72 months | 8.24% | |
| >$25,000 | up to 96 months | 8.99% | |
| 2015 – 2017 | up to 60 months | 8.49% |
HOME EQUITY & HELOC
| Type | Term | APR as low as* |
| Fixed | 5 years | 6.24% |
| Fixed | 10 years | 6.74% |
| Fixed | 15 years | 7.24% |
| Line of Credit | up to 15 years | variable (prime) |
MORTGAGE RATES
Your situation is unique, and we’ll take the time to learn your story to understand your individual needs. Our mortgage experts will work with you to determine what you can comfortably afford, given your preferences and income abilities.
We also offer free home loan consultations!
Visit our mortgage page for more information and to schedule your free consultation.
PERSONAL/UNSECURED
| Type | Term | APR as low as* |
| Signature | Up to 60 months | 10.99% |
| Line of Credit | Up to 60 months | 10.99% |
SHARE SECURED
| Type | Term | APR* |
| Share Secured | Up to 36 months | 2% above deposit APY** |
CREDIT CARD
| Type | APR* |
| Platinum MasterCard® | 11.90% fixed rate |
| *Annual Percentage Rate. Qualified credit. Restrictions may apply. Cardholder Agreement |
The rates and terms shown are the best available. Terms may vary based on vehicle value.
*AUTO LOANS – Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment Example: pay just $30.33 per month for every $1000 borrowed at 5.59% APR on a 36-month term. Loan amount must be $10,000 or greater to qualify for $200 incentive. Offer not valid on internal refinances. There are no fees associated with refinancing an auto loan from another institution to Affinity Credit Union.
*CLASSIC AUTO/TRAILERS/TRACTORS/SEMIS – *Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment Example: pay just $87.22 per month for every $1000 borrowed at 8.50% APR on a 12-month term.
*RV/MARINE – *Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment Example: pay just $14.03 per month for every $1000 borrowed at 7.49% APR on a 97-month term. Minimum $20,000 loan amount to qualify for as low as rate.
*HOME EQUITY/HELOC – *Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment Example: pay just $19.44 per month for every $1000 borrowed at 6.24% APR on a 5-year term. Property insurance is required. Max CLTV offered is 85%. Rates will adjust to the prime lending rate based on a risk-based model. Floor rate of 4.00% APR and ceiling rate of 18.00% APR.
*PERSONAL/UNSECURED – *Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment Example: pay just $21.74 per month for every $1000 borrowed at 10.99% APR on a 60-month term. The minimum monthly payment is $75.
*SHARED SECURED – *Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment Example: pay just $28.66 per month for every $1000 borrowed at 2.05% APR on a 36-month term.**Annual Percentage Yield.
** Subject to minimum credit score. Minimum loan amount $60,000.
Rates effective 9/2/2025. Subject to change without notice.