Loan Rates

Effective Date: May 10, 2010
All rates are subject to change at any time.

New Car Rate
(Less than 3,000 original miles)

Rate as
low as 

Rate as
high as

84 months

4.40% APR

10.90% APR

72 months

 4.25% APR

10.75% APR

66 months

 4.10% APR

10.60% APR

60 months

 3.95% APR

10.45% APR

48 months

 3.80% APR

10.30% APR

36 months

 3.65% APR

10.15% APR

24 months

 3.50% APR

10.00% APR

Used Car Rates
(3,000 original miles or more
and 2004 year model or newer)

Rate as
low as

Rate as
high as

84 months

 5.00% APR

11.50% APR

72 months

 4.75% APR

11.25% APR

60 months

 4.50% APR

11.00% APR

48 months

 4.10% APR

10.60% APR

36 months

 3.95% APR

10.45% APR

24 months

 3.80% APR

10.30% APR

Other vehicles 1998-2003
(up to 60 months)

 5.25% APR

11.75% APR

All other vehicles
(term depends on condition)

 6.75% APR

13.25% APR

New Motorhomes,
Travel Trailers & Boats
(2 years old or newer)

Rate as
low as

Rate as
high as

109-120 months

 8.00% APR

14.50% APR

73-108 Months

7.50% APR

14.00% APR

49-72 Months

 7.25% APR

13.75% APR

up to 48 Months

 6.50% APR

13.00% APR

Used Motorhomes,
Travel Trailers & Boats

Rate as
low as 

Rate as
high as

Up to 60 months - 2001-2007

 8.25% APR

14.75% APR

Up to 60 months - 1997-2000

 8.50% APR

15.00% APR

Up to 60 months - 1996 and older

 9.50% APR

16.00% APR

Motorcycles
(Road use only - must be titled)

Rate as
low as

Rate as
high as

Up to 60 months
(7 years old or newer)

 6.00% APR

12.50% APR

Up to 60 months
(Older than 7 years)

 6.25% APR

12.75% APR

ATV's, Personal Watercrafts, Dirt Bikes & Other Off Road Vehicles

Rate as
low as

Rate as
high as

Up to 60 months

 8.00% APR

14.50% APR

Other Collateral

Rate as
low as 

Rate as
high as

including furniture,
appliances,computers, etc.

 11.00% APR

17.50% APR

Share Loans

 

Pledged against shares
and certificates of deposit

3% above dividend

Signature Loans

Rate as
low as

Rate as
high as

12 Months

8.25% APR

14.75% APR

24 Months

9.25% APR

15.75% APR

36 Months

10.25% APR

16.75% APR

Home Equity Loans

Rate as
low as

Rate as
high as

Up to 60 Months

6.00% APR

12.50% APR

61-90 Months

6.25% APR

12.75% APR

91-120 Months

6.50% APR

13.00% APR

 121-144 Months
(1st liens only; minimum loan amount of $40,000)

 6.75% APR

 13.25% APR

 145-180 Months
(1st liens only; minimum loan amount of $50,000)

 7.00% APR

 13.50% APR

Mobile Homes

Rate as
low as

Rate as
high as

New Mobile Homes
(Up to 72 months)

10.00% APR

16.50% APR

Pre-owned Mobile Homes
(Up to 60 months)

 10.50% APR

17.00% APR

  Contact the SWOFCU
lending team for current
mortgage and land and lot rates.

*** LTV = Loan To Value ***

Rates are subject to change without notice. Rates do not apply to existing credit union loans. For Risk Based Pricing the Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness.