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Loan Rates
Reach new heights with our competitive Loan rates.
- Working in your best interest
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
| Model Year | Term | Interest Rate as low as | APR* as low as |
|---|---|---|---|
| 2021 and Newer | 60 months | 6.75% | 7.56% |
| 2021 and Newer | 66 Months | 7.00% | 7.75% |
| 2021 and Newer | 72 months | 7.25% | 7.94% |
| 2021 and Newer | 78 months | 8.00% | 8.65% |
| 2021 and newer | 84 months | 8.25% | 8.85% |
| 2018- 2020 | 60 months | 7.50% | 8.32% |
| 2018 - 2020 | 66 months | 7.75% | 8.50% |
| 2018 - 2020 | 72 months | 8.00% | 8.70% |
| 2018 - 2020 | 78 months | 8.50% | 9.15% |
| 2018- 2020 | 84 months | 8.75% | 9.36% |
| 2016 - 2017 | 60 months | 8.00% | 8.82% |
| 2016 - 2017 | 66 months | 8.50% | 9.26% |
| 2016- 2017 | 72 months | 9.25% | 9.96% |
| 2016 - 2017 | 78 months | 10.25% | 10.95% |
| 2015 and older | 48 months | 9.25% | 10.27% |
| 2015 and older | 60 months | 9.50% | 10.33% |
DISCLOSURE:
*Rate example: If you borrow $10,000 with no down payment at 6.75% interest rate (7.56% APR or Annual Percentage Rate) for 60 months, your monthly payment will be $200.75 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 (2020 and Newer)
| Loan Amount | Term | Interest Rate as low as | APR* as low as |
|---|---|---|---|
| $0.00 - $15,000 | 120 months | 7.75% | 8.05% |
| $15,001 - $25,000 | 144 months | 8.00% | 8.15% |
| $25,001 - $75,000 | 180 months | 8.50% | 8.54% |
| $75,001 - $99,999 | 240 months | 8.75% | 8.78% |
| $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 $15,000 with no down payment at 7.75% interest rate (8.05% APR or Annual Percentage Rate) for 120 months, your monthly payment will be $182.36 per $15,000 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
| Model Year | Term | Interest Rate as low as | APR* as low as |
|---|---|---|---|
| 2020 and newer | 66 months | 7.75% | 8.50% |
| 2019 and older | 54 months | 8.25% | 9.16% |
DISCLOSURE:
Includes Motorcycles and ATVs.
*Rate example: If you borrow $10,000 with no down payment at 7.75% interest rate (8.50% APR or Annual Percentage Rate) for 66 months, your monthly payment will be $190.20 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
| Loan | Term | Interest Rate as low as | APR* as low as |
|---|---|---|---|
| Personal or Home Improvement Loans** | 60 months | 12.50% | 13.16% |
DISCLOSURE:
*Annual Percentage Rate
** Rate example: If you borrow $10,000 at 12.25% interest rate (12.91% APR or Annual Percentage Rate) for 60 months, your monthly payment will be $228.50 per $10,000 borrowed. Processing Fee $150.00 for Personal or Home Improvement Loans.
Home Equity Line of Credit - Non-Variable/Variable Rate
| Combined Loan-To-Value Ratio (CLTV) | APR* as low as | Index |
|---|---|---|
| Up to 80% CLTV - Non-variable rate which changes to variable during repayment | 8.00% | Prime |
| Up to 100% CLTV - Non-variable rate which changes to variable during repayment | 11.00% | 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
| Term | Interest Rate as low as | APR* as low as |
|---|---|---|
| Up to 120 Months | 8.00% | 8.49% |
| 121 to 240 Months** | 8.75% | 9.04% |
DISCLOSURE:
*Our ANNUAL PERCENTAGE RATES (APR) are based on credit and LTV.
Rate example: If you borrow $10,000 at rate of 8.00% and APR of 8.90% for 60 months, your monthly payment will be $202.76 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.