Auto & Truck Loan rates as low as 5.79% APR* + $100 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 8.00% 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 7.99% APR for up to 144 months* Apply online
AUTOS/MOTORCYCLES
| Model Year | Term | APR as low as* |
| 2023 & newer | 36 months | 5.79% |
| 48 months | 5.79% | |
| 60 months | 5.79% | |
| 72 months | 5.94% | |
| 84 months | 6.24% | |
| For loan amounts greater than $70,000 | 96 months** | 7.24% |
| 2022 & 2021 | 36 months | 6.04% |
| 48 months | 6.04% | |
| 60 months | 6.04% | |
| 72 months | 6.19% | |
| 84 months | 6.49% | |
| 2020 & 2019 | 36 months | 6.29% |
| 48 months | 6.29% | |
| 60 months | 6.759% | |
| 72 months | 6.79% | |
| 2018 – 2015 | 36 months | 6.79% |
| 48 months | 7.04% | |
| 60 months | 7.29% | |
| 2014 & older | 36 months | 9.79% |
| 48 months | 10.29% |
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 | 6.99% |
| Fixed | 10 years | 7.49% |
| Fixed | 15 years | 7.99% |
| 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 expert, Todd Darland (NMLS #501999), will work with you to determine what you can comfortably afford given your preferences and income abilities.
We also offer free home loan consultations!
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 $30.42 per month for every $1000 borrowed at 5.99% APR on a 36-month term. Loan amount must be $10,000 or greater to qualify for $100 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 7.99% 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 $19.80 per month for every $1000 borrowed at 8.00% 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 6/23/2025. Subject to change without notice.