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

Effective Date: January 1, 2023
Model Year Term Interest Rate as low as APR* as low as
2021 and Newer60 months6.00%6.81%
2021 and Newer66 Months6.25%6.99%
2021 and Newer 72 months6.50%7.18%
2021 and Newer78 months7.25%7.89%
2021 and newer84 months7.50%8.10%
2018- 202060 months6.50%7.31%
2018 - 202066 months6.75%7.49%
2018 - 202072 months7.00%7.69%
2018 - 202078 months7.50%8.14%
2018- 202084 months7.75%8.35%
2016 - 201760 months7.00%7.81%
2016 - 201766 months7.25%8.00%
2016- 201772 months8.25%8.95%
2016 - 201778 months9.25%9.91%
2015 and older48 months8.25%9.26%
2015 and older60 months8.50%9.33%

DISCLOSURE:

*Rate example: If you borrow $10,000 with no down payment at 6% interest rate (6.81% APR or Annual Percentage Rate) for 60 months, your monthly payment will be $196.90 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)

Effective Date: January 1, 2023
Loan Amount Term Interest Rate as low as APR* as low as
$0.00 - $15,000120 months7.25%7.54%
$15,001 - $25,000144 months7.50%7.65%
$25,001 - $75,000180 months8.00%8.04%
$75,001 - $99,999240 months8.25%8.28%
$100,000 and higher240 monthscall for detailscall 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 7.25% interest rate (7.54% APR or Annual Percentage Rate) for 120 months, your monthly payment will be $178.41 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

Effective Date: January 1, 2023
Model Year Term Interest Rate as low as APR* as low as
2020 and newer66 months7.25%8.00%
2019 and older54 months7.75%8.65%

DISCLOSURE:

Includes Motorcycles and ATVs.
*Rate example: If you borrow $10,000 with no down payment at 7.25% interest rate (8% APR or Annual Percentage Rate) for 66 months, your monthly payment will be $187.77 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.

Personal or Home Improvement Loan Rates

Effective Date: January 1, 2023
Loan Term Interest Rate as low as APR* as low as
Personal or Home Improvement Loans** 60 months11.75%12.41%

DISCLOSURE:

*Annual Percentage Rate
** Rate example: If you borrow $10,000 at 11.75% interest rate (12.41% APR or Annual Percentage Rate) for 60 months, your monthly payment will be $225.50 per $10,000 borrowed. Processing Fee $150.00 for Personal or Home Improvement Loans.

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

Effective Date: January 1, 2023
Combined Loan-To-Value Ratio (CLTV) APR* as low as Index
Up to 80% CLTV - Non-variable rate which changes to variable during repayment 7.50%Prime
Up to 100% CLTV - Non-variable rate which changes to variable during repayment 10.50%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

Effective Date: January 1, 2023
Term Interest Rate as low as APR* as low as
Up to 120 Months7.50%7.98%
121 to 240 Months**8.25%8.54%

DISCLOSURE:

*Our ANNUAL PERCENTAGE RATES (APR) are based on credit and LTV.
Rate example: If you borrow $10,000 at rate of 7.50% and APR of 8.39% for 60 months, your monthly payment will be $200.38 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.