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Loan Rates

Current Loan Rates Effective 9/30/2020

Personal Loans
Loan Type APR* as low as
Unsecured/Personal Loans 6.95%
60 monthly payments of $19.78 per $1,000 borrowed
Secured Loans (share and certificate) Current rate on account plus 2.00%
Credit Builder Loan 7.00% Fixed Rate
Visa Credit Cards
Card Type APR* as low as
´╗┐Visa Platinum with Rewards

9.90% Fixed Rate
Late and returned payment fees:  No more than $35.00. Rush Fee:  $50 per request. Foreign transaction fee of 1.00% of each transaction in U.S. dollars

Visa Balance Transfer

8.99% Fixed Rate
The balance transfer rate is good only on balances transferred from non-Achieve credit cards.
Learn more

 

Auto Loans
Term APR* as low as
Up to 48 Months 2.49%
48 monthly payments of $21.91 per $1,000 borrowed
Up to 60 Months 2.99%
60 monthly payments of $17.96 per $1,000 borrowed
Up to 72 Months 3.49%
72 monthly payments of $15.61 per $1,000 borrowed
 
Up to 84 Months 4.49%
84 monthly payments of $13.90 per $1,000 borrowed
 
Recreational Vehicle Loans
Term APR* as low as
Up to 48 Months 4.99%
48 monthly payments of $23.02 per $1,000 borrowed.
Up to 72 Months 5.50%
72 monthly payments of $16.34 per $1,000 borrowed.
Up to 84 Months 7.50%
84 monthly payments of $15.34 per $1,000 borrowed.
Up to 120 Months 8.75%
120 monthly payments of $12.53 per $1,000 borrowed.
Mortgage Loans
View Today's Mortgage Rates
Home Equity Lines of Credit (HELOC)
Term APR* as low as
120 Month draw period followed by 120 month repayment. 2.75%

Rates are variable and are based on the Prime Rate effective as of 3/17/2020.
*As low as rate based on Prime - .50% for loans, 70% loan to value or less and first lien position. 
Current Prime Rate is 3.25%.
Up to 90% Loan to Value available for qualified borrowers.

Minimum APR floor rate is 2.75%.  Maximum APR is 18.00%.
Recording fee of $90 for loan amounts less than $25,000.
Application fee of $350 for amounts financed less than $25,000.
After a 5 calendar day grace period, a late charge of 5.00% of the payment with a $2.00 minimum
and no maximum. Property insurance required.

Home Equity Loan
Term APR* as low as
Up to 60 Months 2.49%
60 monthly payments of $17.71 per $1,000 borrowed.
Up to 120 Months 3.49%
120 monthly payments of $9.86 per $1,000 borrowed.
Up to 180 Months 3.74%
180 monthly payments of $7.25 per $1,000 borrowed.
Up to 240 Months 4.24%
240 monthly payments of $6.17 per $1,000 borrowed.

Recording fee of $85 for loan amounts less than $25,000.
Application fee of $350 for amounts financed less than $25,000.
After a 15 calendar day grace period, a late charge of 5.00% of the payment with a $2.00 minimum and no maximum.
Property insurance required.


*APR = Annual Percentage Rate
Rates are based on annual percentage rate.
Individual rates based on credit history.
Rates and terms are subject to change without notice.
Please contact us for your individual rate quote.