\ Credit Union ONE - Loan Rates

Rates & Disclosures

Rates accurate as of .

 

Personal
  Business
 Loans
 Mortgages

Auto Loans - New and Used

  
Model Year and Financing Term APR As Low As* Minimum Loan Amount
2017 - 2013 Up to 66 Months 2.25% $5,000
2017 - 2010 Up to 84 Months 3.00% $5,000

*APR= Annual Percentage Rate. Approval and actual rate and term offered based on creditworthiness factors. Mileage may not exceed 100,000. Approximate monthly payment would be $16.12 per $1000 borrowed at 2.25% for 66 months. May not refinance existing Credit Union ONE auto loans. LTV requirements apply. LTV for rate as low as 2.25% may not exceed 90%. Other conditions may apply. Rates subject to change.

RV Loans (Travel Trailer/Camper) - New and Used To Apply  Find A Branch
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Financing Term APR As Low As*
$5,000+ Up to 84 Months 3.49%
$25,000+ 85 to 120 Months 3.99%
$30,000+ 121 to 144 Months 4.74%
$40,000+ 144 to 180 Months 4.99%
*APR= Annual Percentage Rate. Actual rate offered is based on creditworthiness factors. Mileage may not exceed 75,000 and vehicle must be model year 2010 or newer. Not all RVs are eligible. Approximate monthly payment would be $13.44 Per $1000.00 borrowed at 3.49% for 84 months. May not refinance existing Credit Union One RV loans. Loan to value may not exceed 100%. Other conditions may apply. Rates subject to change.
Motorcycle Loans - New and Used To Apply  Find A Branch
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Financing Term APR As Low As*
$5,000+ Up to 84 Months 3.74%
$25,000+ 85 to 96 Months 4.49%
*APR= Annual Percentage Rate. Actual rate offered is based on creditworthiness factors. Mileage may not exceed 75,000 and vehicle must be model year 2010 or newer. Minimum loan amount is $5,000 and the maximum is $35,000. Borrowers must have a valid Michigan Driver’s License. Approximate monthly payment would be $13.55 Per $1000.00 borrowed at 3.74% for 84 months. May not refinance existing Credit Union One Motorcycle loans. Loan to value may not exceed 100%. Other conditions may apply. Rates subject to change.
Boat Loans - New and Used To Apply  Find A Branch
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Financing Term APR As Low As*
$5,000+ Up to 84 Months 3.49%
$25,000+ 85 to 120 Months 3.99%
$30,000+ 121 to 144 Months 4.74%
$40,000+ 144 to 180 Months 4.99%
*APR= Annual Percentage Rate. Actual rate offered is based on creditworthiness factors. Minimum loan amount is $5,000 and the maximum is $85,000.00. Borrowers must have a valid Michigan Driver’s License. Not all boats are eligible. Mileage may not exceed 75,000 and vehicle must be model year 2010 or newer. Approximate monthly payment would be $13.44 Per $1000.00 borrowed at 3.49% for 84 months. May not refinance existing Credit Union One Boat loans. Loan to value may not exceed 100%. Other conditions may apply. Rates subject to change.

Home Equity Loans

    
Type Term Financing APR As Low As

Home Equity 1

5 Year $5,000 - $150,000
10 Year $10,000 - $150,000
15 Year $20,000 - $150,000

Home Equity Line of Credit 2

10 year draw period
15 year payback period
$10,000 - $150,000 3.75%
Introductory Rate of 2.50% for first 12 calendar months from opening date. After 12 months rate as low as 3.75%.*

Equity Advantage 3

5 Year $10,000 - $150,000 2.95%
10 Year $10,000 - $150,000 3.375%
15 Year $20,000 - $150,000 3.625%
20 Year $50,000 - $150,000 4.00%

1APR=Annual Percentage Rate. Actual rate offered is based on creditworthiness factors, term, amount, collateral, and loan to value. Maximum loan to value is 90%. Approximate monthly payment would be $17.95 per $1000.00 borrowed at 2.95% for 60 months. Other conditions may apply. Rates subject to change.
2 APR=Annual Percentage Rate. Introductory rate is subject to change or be discontinued at any time. APR will be variable based on an index plus or minus a margin for the life of the loan. The index is the highest prime rate as published in the Money Rates section of The Wall Street Journal. The margin ranges from -0.25% to 2.75% and is based on overall creditworthiness factors. The prime rate as of April 1, 2017, is 4.00%. The maximum loan amount is $150,000 and the minimum loan amount is $10,000. The APR will never exceed 18% and will never be lower than 3.25%. Loans and actual standard rate offered are subject to approval based on overall creditworthiness factors and collateral. Maximum LTV is 80% and collateral must be titled in the State of Michigan. Other conditions may apply.
3 APR=Annual Percentage Rate. Actual rate offered is based on creditworthiness factors, term, amount, collateral, and loan to value. Maximum loan to value is 90%. Approximate monthly payment would be $17.95 per $1000.00 borrowed at 2.95% for 60 months. Other conditions may apply. Rates subject to change.
* The initial discounted Annual Percentage Rate will be in effect for the first 12 calendar months from the opening date as reflected on the Home Equity Addendum.

Personal Loans
    
Type Term As Low As
Share Loan Up to 120 Months 2.80%(V) APR1
Certificate Secured Up to 60 Months Rate + 2.00% APR2
Share Secured Line of Credit Line of Credit 4.05%(V) APR3
Freedom Access Line of Credit 6.25%(V) APR4
Freedom ONE Up to 60 Months 6.95% APR5
1APR=Annual Percentage Rate. Rate is variable and may increase during the loan term. Approximate monthly payment would be $9.57 per $1000.00 borrowed at 2.80% for 120 months. Loan balance will be secured against the regular share account. Secured funds will not be available for use. Other conditions may apply. Rates subject to change.
2Annual Percentage Rate and is based on the annual percentage rate of the secured certificate plus a margin of 2%. Approximate monthly payment would be $17.97 per $1000.00 borrowed at 3.00% for 60 months. Other conditions may apply. Rates subject to change.
3APR=Annual Percentage Rate, rate may vary. Interest begins to accrue when you access the funds. Actual rate offered based on individual credit history. Loan balance will be secured against the regular share account. Secured funds will not be available for use. Other conditions may apply. Rates subject to change.
4APR=Annual Percentage Rate. Variable rate subject to change monthly based on the prime rate as published in the Wall Street Journal plus a margin. Actual rate offered is based on overall creditworthiness factors. Interest begins to accrue when you access the funds. Floor APR is 6% and the maximum APR is 18%. Other conditions may apply. Rates subject to change.
5APR=Annual Percentage Rate. Actual rate offered is based on credit worthiness factors. Approximate monthly payment would be $19.78 per $1000 borrowed at 6.95% for 60 months. Other conditions may apply. Rates subject to change.

Rates are subject to change daily.

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