Loan Rates

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For home, auto, boats, RVs and more

Our loan rates help members in the greater Warren, Kent, Ravenna, Canton, and Youngstown, OH, areas achieve more of their banking goals.

Although rates are updated often on this site, for the most current rates, contact 7 17. All rates are subject to change without notice. Not all loan types are listed. Please call the Credit Union for details on different rate plans and rate specials.

Mortgage Rates

Looking for competitive mortgage rates? Use our resources below to find the home loan you need!

Auto Loan Rates

Rates effective 10/1/2022
Model Year Term Interest Rate APR*
2020 and Newer 60 months as low as 4.25% as low as 5.04%
2020 and Newer 66 Months as low as 4.50% as low as 5.23%
2020 and Newer 72 months as low as 4.75% as low as 5.42%
2020 and Newer 78 months as low as 5.50% as low as 6.13%
2020 and newer 84 months as low as 5.75% as low as 6.34%
2017 - 2019 60 months as low as 5.00% as low as 5.80%
2017 - 2019 66 months as low as 5.00% as low as 5.73%
2017 - 2019 72 months as low as 5.25% as low as 5.92%
2017 - 2019 78 months as low as 5.75% as low as 6.38%
2017- 2019 84 months as low as 6.00% as low as 6.59%
2015 - 2016 60 months as low as 5.25% as low as 6.05%
2015 - 2016 66 months as low as 5.75% as low as 6.49%
2015 - 2016 72 months as low as 6.75% as low as 7.44%
2015-2016 78 months as low as 7.75% as low as 8.40%
2014 and older 48 months as low as 6.50% as low as 7.50%
2014 and older 60 months as low as 6.75% as low as 7.56%
Disclosure:

*Rate example: If you borrow $10,000 with no down payment at 4.25% interest rate (5.04% APR or Annual Percentage Rate) for 60 months, your monthly payment will be $188.93 per $10,000 borrowed.  Processing Fee for titled loan for a purchase is $195.00.    Processing Fee for titled loan with a loan term less than 24 months is $195.00.

Boats, RV Loan Rates (2019 and Newer)

Rates effective 10/1/2022
Loan Amount Term Interest Rate APR*
$0.00 - $15,000 120 months as low as 6.25% as low as 6.54%
$15,001 - $25,000 144 months as low as 6.00% as low as 6.15%
$25,001 - $75,000 180 months as low as 5.75% as low as 5.79%
$75,001 - $99,999 240 months as low as 5.50% as low as 5.52%
$100,000 and higher 240 months call for details call for details
Disclosure:

Includes Boats, Personal Watercraft, Jet Ski, RVs, Campers, Motor Homes, Travel Trailers, Horse Trailers.
*Rate example: If you borrow $10,000 with no down payment at 6.25% interest rate (7.06% APR or Annual Percentage Rate) for 60 months, your monthly payment will be $198.31 per $10,000 borrowed. Processing Fee for titled loan for a purchase is $195.00. Processing Fee for titled loan with a loan term less than 24 months is $195.00.

Motorcycle, ATV Loan Rates

Rates effective 10/1/2022
Model Year Term Interest Rate APR*
2019 and newer 66 months as low as 6.25% as low as 6.99%
2018 and older 54 months as low as 6.50% as low as 7.39%
Disclosure:

Includes Motorcycles and ATVs.
*Rate example: If you borrow $10,000 with no down payment at 6.25% interest rate (7.06% APR or Annual Percentage Rate) for 60 months, your monthly payment will be $198.31 per $10,000 borrowed. Processing Fee for titled loan for a purchase is $195.00. Processing Fee for titled loan with a loan term less than 24 months is $195.00.

Personal or Home Improvement Loan Rates

Rates effective 10/1/2022
Loan Term Interest Rate APR*
Personal or Home Improvement Loans** 60 months as low as 11.50% as low as 12.15%
Disclosure:

*Annual Percentage Rate
** Rate example: If you borrow $10,000 at 11.50% interest rate (12.15% APR or Annual Percentage Rate) for 60 months, your monthly payment will be $223.27 per $10,000 borrowed. Processing Fee $150.00 for Personal or Home Improvement Loans.

Home Equity Line of Credit - Non-Variable/Variable Rate

Rates effective 10/1/2022
Combined Loan-To-Value Ratio (CLTV) APR* Index
Up to 80% CLTV - Non-variable rate which changes to variable during repayment as low as 6.25% Prime
Up to 100% CLTV - Non-variable rate which changes to variable during repayment as low as 9.25% Prime
Disclosure:

View the Home Equity Early Disclosure

*The stated APR (Annual Percentage Rate) is for the initial ten-year draw period.  After ten years from the initial loan closing, your rate will become a variable rate, subject to change without notice throughout the life of the loan. Annual Fee $50.00 is waived for the first year. Incurred fees are waived up to $300.00. Must credit qualify. Property insurance required (and flood insurance, if applicable). Contact us for details.

Home Equity Loan Rates

Rates effective 10/1/2022
Term Interest Rate APR*
Up to 120 Months as low as 7.25% as low as 7.72%
121 to 240 Months** as low as 8.00% as low as 8.11%
Disclosure:

*Our ANNUAL PERCENTAGE RATES (APR) are based on credit and LTV.  Rate example: If you borrow $10,000 at rate of 7.25% and APR of 8.07% for 60 months, your monthly payment will be $203.11 per $10,000 borrowed. This example does not include escrow, taxes or insurance. Processing Fee $195.00 and Flood Certification $14. Must credit qualify. Property insurance required (and flood insurance, if applicable). Contact us for details.