Personal Loan Rates & Fees

* APR = Annual Percentage Rate. The rates listed are Annual Percentage Rates (APRs) and are effective as of 8/1/2025 unless otherwise noted. Rates and terms are subject to change without notice prior to loan approval and closing. Your actual APR will depend on your creditworthiness, the specific loan term, and other qualifying factors. All loans are subject to credit approval and credit union membership eligibility. 

[1] Credit subject to approval. Final APR may be higher and will be based on creditworthiness.

[2] Personal Term Loan – Valid as of date shown above and may be modified or canceled at any time. Valid for loan amounts up to $20,000.00 and terms up to 72 months. Loan approval based and APR based on credit worthiness. Other restrictions and terms may apply.
Payment example: Loan amount of $10,000.00 will have approximate monthly payments of: $872.63 for 12 months at 7.99% APR; $456.11 for 24 months at 8.50% APR; $317.96 for 36 months at 8.75% APR; $249.77 for 48 months at 9.00% APR; $210.84 for 60 months at 9.50% APR; and $191.21 for 72 months at 8.25% APR. These examples are illustrative and based on fixed monthly payments. Actual rates and terms may vary based on creditworthiness and loan selection.

[3] Savings Secured is a variable rate and adjusts monthly. Rate based on the Personal Savings plus a margin of 2.50% (Personal savings rate + 2.50%).

[4] Tuition Loan Program – Exclusively for primary and secondary education expenses. Rate valid as of 08/01/2025 and may be modified or canceled at any time. Maximum term is 12 months. New borrower rate is 4.99% APR. Returning borrower rate is 4.50% APR. Loan approval is based on credit worthiness and verification of educational expenses. Other terms and conditions may apply. 
Payment example: Loan amount of $10,000.00 will have approximate monthly payments of: $857.75 for 12 months at 4.99% APR and $855.33 for 12 months at 4.50% APR. These examples are illustrative and based on fixed monthly payments. Actual rates and terms may vary based on creditworthiness and verification of educational expenses. 

[5] Annual Percentage Rate (APR) is effective as of 01/01/2025 and subject to change at any time without notice. Variable APR based on Wall Street Journal Prime (WSJ Prime) plus a margin. Margins vary by product. Other restrictions may apply. Credit subject to approval. Final APR and credit limit may vary and will be based on credit worthiness. APR assumes excellent borrower credit history.

[6] Annual Percentage Rate (APR) is effective as of date shown above and may change at any time without notice. APR reflects 36-month term. Other rates and terms available. Contact us for further information about applicable fees & terms. 

[7] Financing available up to 100% of MSRP for New Vehicles. Restrictions apply. Payment example: Loan amount of $10,000.00 will have approximate monthly payments of: $295.68 for 36 months at 3.99% APR; $234.26 for 48 months at 5.75% APR; $193.81 for 60 months at 6.00% APR; $167.35 for 72 months at 6.25% APR; $157.96 for 78 months at 6.50% APR; $153.87 for 84 months at 7.50% APR; and $153.78 for 90 months at 9.00%APR. These examples are illustrative and based on fixed monthly payments. Actual rates and terms may vary based on creditworthiness and loan selection.

[8] Financing available up to 100% of the Kelley Blue Book Wholesale Value for Used Vehicles. Terms may vary based on vehicle age and credit worthiness. Restrictions apply. Used Auto Payment example: Loan amount of $10,000.00 will have approximate monthly payments of: $300.27 for 36 months at 4.99% APR; $235.43 for 48 months at 6.00% APR; $195.00 for 60 months at 6.25% APR; $182.31 for 66 months at 6.75% APR; $169.77 for 72 months at 6.75% APR; $166.64 for 78 months at 8.25% APR; and $157.66 for 84 months at 8.25%APR. These examples are illustrative and based on fixed monthly payments. Actual rates and terms may vary based on vehicle age, creditworthiness and loan selection.

[9] HELOC Owner Occupied – Program may be modified or canceled at any time. Subject to credit approval. HELOC offer is an introductory rate of 5.50% APR for 36 months OR 5.75% APR for 60 months. After your chosen initial period, your APR will be the Current Indexed Rate, which is variable based on the Prime Rate published in the Wall Street Journal with no added margin (3.75% minimum & 18.00% maximum) and subject to change quarterly. Program is a 10-year draw with interest-only payments and 20-year amortization period. Maximum line: $399,000. Applies to owner-occupied properties with required insurance (fire, hurricane and applicable flood insurance). Maximum loan-to-value of 80%; maximum loan-to-value of 70% in Nevada.

[10] HELOC Owner Occupied >80% - 90% - Program may be modified or canceled at any time. Subject to credit approval. HELOC offer is an introductory rate of 6.50% APR for 36 months; or 6.75% APR for 60 months. After your chosen initial period, your APR will be the Current Indexed Rate, which is variable based on the Prime Rate published in the Wall Street Journal plus 1.00% (3.75% minimum & 18.00% maximum) and subject to change quarterly. Program is a 10-year draw with interest-only payments and 20-year amortization period. Maximum line: $399,000. Applies to owner-occupied properties with required insurance (fire, hurricane and applicable flood insurance). Maximum loan-to-value of 90%. Offer not available in Nevada.

[11] HELOC Investor – Program may be modified or canceled at any time. Subject to credit approval. This offer is an introductory rate of 5.99% APR for 36 months; or 5.99% APR for 60 months. After your chosen initial period, your APR will be the Current Indexed Rate, which is variable based on the Prime Rate published in the Wall Street Journal plus 1.50% (3.75% minimum & 18.00% maximum) and subject to change quarterly. Program is a 10-year draw with interest-only payments and 20-year amortization period. Maximum line: $399,000. Maximum loan-to-value of 70% in Hawaii; maximum loan-to-value of 70% in Nevada.

[12] Owner-Occupant and Investor/Second Home HELOCs have no credit union closing cost, annual fee, or prepayment penalty. $500 credit on 3rd party fees ($250 - $3,800 estimated) with an initial draw of $10,000 at closing. All closing credits paid by APFCU must be reimbursed if the loan is closed before 36 months from the opening date.