Auto & Truck Loan rates as low as 5.09% 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
Mortgage rates as low as 5.657% APR* 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* |
| 2024 & newer | 36 months | 5.09% |
| 48 months | 5.09% | |
| 60 months | 5.09% | |
| 72 months | 5.24% | |
| 84 months | 5.54% | |
| For loan amounts greater than $70,000 | 96 months** | 6.54% |
| 2023 & 2022 | 36 months | 5.24% |
| 48 months | 5.24% | |
| 60 months | 5.24% | |
| 72 months | 5.49% | |
| 84 months | 5.79% | |
| 2021 & 2020 | 36 months | 5.34% |
| 48 months | 5.34% | |
| 60 months | 5.64% | |
| 72 months | 5.94% | |
| 2019 – 2016 | 36 months | 5.89% |
| 48 months | 6.14% | |
| 60 months | 6.39% | |
| 2015 & older | 36 months | 9.09% |
| 48 months | 9.59% |
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* |
| 2024 & newer | up to 84 months | 7.49% | |
| >$25,000 | up to 120 months | 8.24% | |
| >$40,000 | up to 180 months | 8.49% | |
| 2019 – 2023 | up to 72 months | 8.24% | |
| >$25,000 | up to 96 months | 8.99% | |
| 2016 – 2018 | 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 & a convenient online application.
| Term | Rate | APR (as low as) |
| 15 years | 5.500% | 5.657% |
| 30 years | 6.000% | 6.095% |
Rates effective 1/13/2026. Rates shown have no origination fee or lender credit. APR = Annual Percentage Rate. The APR is based on a $200,000 loan amount. All rates are for single-family owner-occupied purchases or rate/term refinances with escrows. Rates based on 780 credit score, 75% loan to value, 45-day rate lock. Actual rates may vary based on credit history, loan-to-value (LTV) ratio, occupancy, and other underwriting factors. All loans are subject to approval. Rates are subject to change without notice. Affinity Credit Union is not responsible for typographical errors or omissions. Other loan terms may be available, please contact our mortgage department. Affinity Credit Union NMLS ID# 474043.
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 1/12/2026. Subject to change without notice.