Loan Rates

Effective Date: May 01, 2013

All rates are subject to change at any time.

New Car Rate
(2011-2013)

Rate as
low as 

Rate as
high as

84 months

 3.50% APR

11.00% APR

72 months

 3.25% APR

10.75% APR

60 months

 3.00% APR

10.50% APR

48 months

 2.85% APR

10.35% APR

36 months

 2.70% APR

10.20% APR

24 months

 2.55% APR

10.05% APR

Used Car Rates
(2006 - 2010)

Rate as
low as

Rate as
high as

84 months

 4.05% APR

11.55% APR

72 months

 3.80% APR

11.30% APR

60 months

 3.55% APR

11.05% APR

48 months

 3.15% APR

10.65% APR

36 months

 3.00% APR

10.50% APR

24 months

 2.85% APR

10.35% APR

Other vehicles 1999-2005

(up to 60 months)

 4.40% APR

11.90% APR

All other vehicles
(term depends on condition)

 5.80% APR

13.30% APR

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

Rate as
low as

Rate as
high as

108 or 120 months

 5.25% APR

12.75% APR

84 or 96 Months

4.75% APR

12.25% APR

60 or 72 Months

 4.50% APR

12.00% APR

up to 48 Months

 3.75% APR

11.25% APR

Used Motorhomes,
Travel Trailers & Boats

Rate as
low as 

Rate as
high as

Up to 72 months - 2003-2010

 6.00% APR

13.50% APR

Up to 60 months - 1999-2002

 6.25% APR

13.75% APR

Up to 48 months - 1998 and older

 7.25% APR

14.75% APR

Motorcycles
(Road use only - must be titled)

Rate as
low as

Rate as
high as

Up to 60 months - 2012 & newer

 5.00% APR

12.50% APR

Up to 60 months - 2008-2011

 5.25% APR

12.75% APR

 Up to 48 months - 2007 & older

 5.50% APR

 13.00% APR

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

Rate as
low as

Rate as
high as

Up to 60 months

 5.75% APR

13.25% APR

Other Collateral

(including furniture, appliances, computers, etc)

Rate as
low as 

Rate as
high as

Up to 60 months

 6.75% APR

14.25% APR

Share Loans

 

Pledged against shares
and certificates of deposit

3% over the stated rate

Signature Loans

Rate as
low as

Rate as
high as

12 Months

8.00% APR

15.50% APR

24 Months

9.00% APR

16.50% APR

36 Months

10.00% APR

17.50% APR

Home Equity Loans

Rate as
low as

Rate as
high as

Up to 60 Months

4.50% APR

12.00% APR

72 or 84 Months

4.75% APR

12.25% APR

96, 108 or 120 Months

5.00% APR

12.50% APR

Over 120 Months up to 180 Months
(1st liens only; minimum loan amount of $50,000)

 5.50% APR

 13.00% APR

Mobile Homes

Rate as
low as

Rate as
high as

New Mobile Homes
(Up to 72 months)

8.50% APR

16.00% APR

Pre-owned Mobile Homes
(Up to 60 months)

 9.50% APR

17.00% APR

  Contact the SWOFCU
lending team for current
mortgage, 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.