Loan Rates
| New Auto Loan Rates & Used Auto Loan Rates (By Model Year) | ||
| Effective Date: Sunday, April 28th, 2024 | ||
| Model Year | APR as low as* | Maximum Term |
| 2022 and newer | 5.49% | up to 36 months |
| 2022 and newer | 5.99% | up to 60 months |
| 2022 and newer | 6.24% | up to 75 months |
| 2022 and newer | 6.99% | up to 87 months** |
| 2018-2021 | 6.49% | up to 60 months |
| 2018-2021 | 6.74% | 61-72 month |
| 2020-2021 | 7.24% | 73-84 months*** |
| 2015-2017 | 7.54% | up to 60 months |
| 2014 & older | 8.04% | up to 60 months |
Enjoy no payments for 90 days for borrowers with excellent credit2
*Annual Percentage Rate (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Approximate monthly payment would be $30.19 per $1,000 borrowed at 5.49% for 36 months. 290 days no payment offer available to credit scores of 675 and higher. Interest accrues during the deferral period. | ||
| Personal Loan Special | ||
| Effective Date: Sunday, April 28th, 2024 | ||
| Name | APR as low as* | Approximate Term |
| Personal Loan Special | 10.49% | up to 48 months |
| Personal Loan Special | 10.99% | up to 60 months |
*Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Minimum credit score required to qualify for this loan. Loan limits from $5,000 and up to $30,000 with terms up to 60 months. Limited time offer. Approximate monthly payment would be $25.56 per $1,000 borrowed at 10.49% for 48 months or $21.69 per $1,000 borrowed at 10.99% for 60 months. | ||
| Personal Loans | ||
| Effective Date: Sunday, April 28th, 2024 | ||
| Name | APR as low as* | Approximate Term |
Personal Loans |
11.24% | up to 60 months |
*Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Approximate monthly payment would be $21.84 per $1,000 borrowed at 11.24% for 60 months. Maximum total unsecured credit allowed is $50,000. | ||
| Flex Home Equity Line of Credit | ||
| Effective Date: Sunday, April 28th, 2024 | ||
| Variable Rate | ||
| Loan to Value up to | APR as low as* | Maximum APR |
| 80% | 8.00% | 18.00% |
| Annual Percentage Rate designated as APR. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval, not all applicants will qualify. Rate shown is the best rate offered for all Home Equity Loan Products, with a loan amount under $400,000, loan to value at or below 80%, and credit score of 740 or higher. The minimum line of credit is $5,000 and the minimum draw amount is $100. Fees charged for the closing of a Home Equity Line of Credit start at $275 and could be as high as $1,500. A home equity is secured by a first or second mortgage lien on your primary residence only. Flood and/or property hazard insurance may be required. Other restrictions may apply. See Credit Union for complete details. Credit Union reserves the right to end the promotion at any time and without notice. | ||
| Home Equity - Fixed Term | |||
| Effective Date: Sunday, April 28th, 2024 | |||
| Loan to Value up to | Rate as low as | APR as low as* | Approximate Term |
| 80.00% | 5.99% | 6.12% | up to 5 years |
| 80.00% | 6.49% | 6.56% | up to 10 years |
| Annual Percentage Rate designated as APR. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval, not all applicants will qualify. Rate shown is the best rate offered for all Home Equity Loan Products, with a loan amount under $400,000, loan to value at or below 80%, and credit score of 740 or higher. The minimum line of credit is $5,000 and the minimum draw amount is $100. Fees charged for the closing of a Home Equity Line of Credit start at $275 and could be as high as $1,500. A home equity is secured by a first or second mortgage lien on your primary residence only. Flood and/or property hazard insurance may be required. Other restrictions may apply. See Credit Union for complete details. Credit Union reserves the right to end the promotion at any time and without notice. | |||
