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Loan Rates

Home / Lending / Loan Rates

Effective Date: Wednesday, October 27th, 2021
Loan ProductRate
Vehicles As low as 2.99% APR1,2
Recreational Vehicles As low as 2.99% APR1,2
Unsecured Personal Loan As low as 9.25% APR2
Secured Personal Loan 4.00% APR
MasterCard Credit Card As low as 9.78% APR3
Home Improvement As low as 7.99% APR2

1. APR = Annual Percentage Rate. Actual APR will be determined at time of disbursement and will be based on your application and credit worthiness.   Other restrictions including vehicle and mileage limitations may apply. Up to 125% of NADA financing is available to qualified members. Including Sales Tax, Title Fees and Warranties/Service Contracts/GAP on vehicles.

2. APR = Annual Percentage Rate. Rates quoted assume excellent borrower credit history, not all applicants will qualify for the lowest rate.  The rate you receive on your loan will be the rate in effect at the time of loan disbursal.  Variable rate subject to change with prime rate for the duration of the line of credit. Rate may change monthly. Rate depends on term.

3. APR = Annual Percentage Rate. Equitable Federal Credit Union maintains the right not to open any MasterCard account if: a) the information provided is incomplete, inaccurate or cannot be verified, b) if the member does not meet Equitable Federal Credit Union’s standard for creditworthiness, or c) member’s name and/or mailing address have been altered. Standard MasterCard rate between 9.78 - 16.78% APR based on your creditworthiness and subject to change at any time. Fees associated with Equitable Federal Credit Union MasterCard: a) Foreign Transaction - 1% of each transaction in U.S. Dollars, b) Currency Conversion - 1% of each transaction in U.S. Dollars. View full Equitable Federal Credit Union MasterCard disclosures here.

Equitable Federal Credit Union does not permit internal refinances of existing loans. All loans are subject to credit approval.