Loan Rates

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 goals.

Our rates are based on credit, term, automatic payment, loan to value and Simply Rewarding Member Rewards participation. Your rate may vary. 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 October 1, 2018
Model Year Term Interest Rate APR*
2016 - 2019 60 months as low as 3.49% as low as 4.28%
2016 - 2019 66 Months as low as 3.79% as low as 4.51%
2016 - 2019 72 months as low as 4.14% as low as 4.81%
2016 - 2019 78 months as low as 4.79% as low as 5.41%
2013 - 2015 60 months as low as 3.90% as low as 4.69%
2013 - 2015 66 months as low as 4.34% as low as 5.07%
2013 - 2015 72 months as low as 4.49% as low as 5.16%
2013 - 2015 78 months as low as 4.94% as low as 5.56%
2011 - 2012 60 months as low as 4.09% as low as 4.88%
2011 - 2012 66 months as low as 4.74% as low as 5.47%
2011 - 2012 72 months as low as 4.99% as low as 5.66%
2010 and older 48 months as low as 5.74% as low as 6.73%
2010 and older 60 months as low as 5.99% as low as 6.80%
Disclosure:

*This includes .50% discount for automatic payment, .25%  discount for 90% LTV or less, and .25% Simply Rewarding participation Premium Level.  Title secured auto loan minimum rate with all available discounts is 3.24%.  Rate example: If you borrow $10,000 with no down payment at 3.49% interest rate (4.24% APR or Annual Percentage Rate) for 60 months, your monthly payment will be $185.24 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 (2012 and Newer)

Rates effective October 1, 2018
Loan Amount Term Interest Rate APR*
$0.00 - $15,000 120 months as low as 5.24% as low as 5.52%
$15,001 - $50,000 144 months as low as 5.24% as low as 5.31%
$50,001 - $75,000 180 months as low as 5.24% as low as 5.28%
$75,001 - $99,999 240 months as low as 5.24% as low as 5.26%
$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, Residential Trucks over 1 ton.
*This includes a .50% discount for automatic payment, and .25% Simply Rewarding participation Premium Level. Title secured boat and RV loan minimum rate with all available discounts is 3.24%. Rate example: If you borrow $10,000 with no down payment at 8.24% interest rate (8.90% APR or Annual Percentage Rate) for 72 months, your monthly payment will be $179.77 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 October 1, 2018
Model Year Term Interest Rate APR*
2012 and newer 66 months as low as 5.24% as low as 5.97%
2011 and older 54 months as low as 6.24% as low as 7.13%
Disclosure:

Includes Motorcycles and ATVs.
*This includes .50% discount for automatic payment and .25% Simply Rewarding participation Premium Level. Title secured motorcycle/ATV loan minimum rate with all available discounts is 3.24%. Rate example: If you borrow $10,000 with no down payment at 6.24% interest rate (6.94% APR or Annual Percentage Rate) for 66 months, your monthly payment will be $182.71 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 Loan Rates

Rates effective October 1,2018
Loan Term Interest Rate APR*
Note Loans** 60 months as low as 10.99% as low as 11.42%
Disclosure:

*Annual Percentage Rate
** Note Loan discounts include .50% automatic payment, and .25% Simply Rewarding participation Premium Level. Rate example: If you borrow $10,000 at 10.74% interest rate (11.17% APR or Annual Percentage Rate) for 60 months, your monthly payment will be $213.31 per $10,000 borrowed. Processing Fee $100.00 for Note Loans.

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

Rates effective October 1, 2018
Combined Loan-To-Value Ratio (CLTV) APR* Index
Up to 100% CLTV - Non-variable rate which changes to variable during repayment as low as 6.99% Prime
Up to 95% CLTV - Non-variable rate which changes to variable during repayment as low as 5.49% Prime
Disclosure:

View the Home Equity Early Disclosure

*The stated APR (Annual Percentage Rate) is for the initial ten-year draw period and includes: a .50% rate reduction for setting up automatic payments from a Seven Seventeen checking account, ACH, or from another financial institution, direct deposit, or payroll; and a .25% rate reduction for a Simply Rewarding Member Rewards Program level of Premium. 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 with an advance of $10,000.00 new money (non 7 17 loan payoffs). Must credit qualify. Property insurance required (and flood insurance, if applicable). Contact us for details.

Home Equity Loan Rates

Rates effective October 1, 2018
Term Interest Rate APR*
Up to 60 Months as low as 5.49% as low as 6.29%
61 to 120 Months as low as 5.74% as low as 6.17%
121 to 180 Months** as low as 5.74% as low as 5.86%
181 to 240 Months** as low as 7.24% as low as 7.34%
Disclosure:

*Our ANNUAL PERCENTAGE RATES (APR) are based on credit and LTV, .50% discount for automatic payment, .25% discount for 70% LTV or less and .25% Simply Rewarding participation Premium Level, your rate may vary. Rate example: If you borrow $10,000 at rate of 4.24% and APR of 4.99% for 60 months, your monthly payment will be $188.68 per $10,000 borrowed. This example does not include escrow, taxes or insurance. Processing Fee $195.00.
**$25,000 mimimum. Based on 70% LTV.

Insured Home Improvement Loans

Rates effective October 1, 2018
Loan Term Interest Rate APR*
Insured Home Improvement Loan ($10,000 Maximum) 120 Months as low as 8.24% as low as 8.55%
Secured Insured Home Improvement Loan up to 60 Months ($250,000 Maximum) Up to 60 Months as low as 5.99% as low as 6.8%
Secured Insured Home Improvement Loan up to 120 Months ($250,000 Maximum) 61 to 120 Months as low as 6.74% as low as 7.17%
Secured Insured Home Improvement Loan up to 180 Months ($250,000 Maximum) 121 to 180 Months as low as 7.24% as low as 7.37%
Secured Insured Home Improvement Loan up to 240 Months ($250,000 Maximum) 181 to 240 Months as low as 7.74% as low as 7.84%
Disclosure:

*Our ANNUAL PERCENTAGE RATES (APR) are based on credit and LTV, .50% discount for automatic payment, and .25% Simply Rewarding participation Premium Level; your rate may vary. Rate example: If you borrow $10,000 at rate of 4.24% and APR of 4.99% for 60 months, your monthly payment will be $188.68 per $10,000 borrowed. Processing Fee $195.00. Member pays all fees.