Accentra Credit Union

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Page Title

Loan Rates

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Loan Rates
Effective January 25, 2023

Cars, Trucks, and Vans

  Age of vehicle 
Term Rates 0 - 2 years  3 - 5 years
6 - 10 years  10+ years
12 Months  4.96%  6.21% 6.72% 7.22%
24 Months 4.79% 6.04%
6.54% 7.04%
 36 Months 4.87% 6.12% 6.63% 7.13%
 48 Months 5.09% 6.34%
6.84% 7.34%
 60 Months 5.07% 6.32% 6.82% 7.32%
 72 Months 5.31% 6.56% 7.06% 7.56%
*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Rates are subject to change.
**APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available.
Payment Example:  A 60 month $25,000 fixed rate secured new auto loan at 5.07% APR* has an approximate monthly payment of $472.61.



PowerSports

Motorcycles, ATVs, Snowmobiles, and Jetskis

   Age
Term Rates 0 - 2 years
3 - 4 years 5 - 7 years  8+ years
12 Months  6.11%
7.12%  7.37%  7.87%
24 Months 5.94%
6.94%  7.19%  7.69%
 36 Months 5.87% 6.88%  7.13%  7.63%
 48 Months 6.09%
7.09%  7.34%  7.84%
 60 Months 6.07% 7.07%  7.32%  7.82%
 72 Months 6.31% 7.31%  7.56%  8.06%
*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Rates are subject to change.
**APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available.
Payment Example:  A 60 month $25,000 fixed rate secured new PowerSport loan at 6.07% APR* has an approximate monthly payment of $484.17.


Boats/RVs/Campers

All boats (except jetskis), travel trailers, motorhomes, pop-up campers, and ice fishing trailers

   Age
Term Rates 0 - 2 years
3 - 5 years   6 - 10 years 10+ years
12 Months 5.96%
7.22% 7.72% 8.22%
24 Months 5.79%
7.04% 7.54% 8.04%
36 Months 5.72% 6.98% 7.48% 7.98%
48 Months 5.79% 6.99% 7.54% 8.04%
60 Months 5.87% 7.04% 7.62% 8.13%
72 Months 6.06% 7.12% 7.81% 8.31%
84 Months 6.05% 7.31% 7.80% 8.30%
120 Months 6.84% 8.09% 8.59% 9.09%
144 Months 7.03% 8.28% 8.78% 9.28%
180 Months 7.27% 8.52% 9.02% N/A
*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Rates are subject to change.
**APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available.
Payment example: A 60 month $25,000 fixed rate secured new boat/camper/RV loan at 5.87% APR* has an approximate monthly payment of $481.84.



Other Secured

Mowers, small tractors, utility trailers, horse trailers, bobcats, and equipment

   Age
Term Rates 0 - 2 years
3 - 4 years   5 - 7 years 8+ years
12 Months 5.96%
7.22% 7.72% 8.22%
24 Months 5.79%
7.04% 7.54% 8.04%
36 Months 5.72% 6.98% 7.48% 7.98%
48 Months 5.79% 7.04% 7.54% 8.04%
60 Months 5.87% 7.12% 7.62% 8.13%
72 Months 6.06% 7.31% 7.81% 8.31%
84 Months 6.05% 7.30% 7.80% 8.30%
120 Months 6.84% 8.09% N/A N/A
*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Rates are subject to change.
**APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available.
Payment Example:  A 60 month $25,000 fixed rate new other secured loan at 5.87% APR* has an approximate monthly payment of $481.84.



Home Loans

Term Rates as low as*
APR**
 10 Year Fixed 5.375%  5.886% 
15 Year Fixed
6.250%
6.618%
20 Year Fixed
6.125%
6.417%
30 Year Fixed
6.500%
6.725% 
Fixed rate repayment terms and an amortization schedule.


Construction Loans

Term Rates as low as*
APR**
Up to 1 Year
5.000%
5.252%
During the construction phase, payments are interest only based on the loan amount advanced. 


Balloon Loans

Owner occupied primary residence or second home

Term Rates as low as*
APR**
5 Year Balloon
5.000%
5.252%
7 Year Balloon
5.125%
5.378%
10 Year Balloon  5.375%  6.886% 



Balloon Loan repayment terms and an amortization schedule.


Home Equity Loans

Term Rates as low as*
5 Year Fixed Rate, Up to 80% of Value
5.125%
10 Year Fixed Rate, Up to 80% of Value
6.125%
Payment example: A 5 year $15,000 fixed rate home equity loan at 5.125% APR has an approximate monthly payment of $283.93. Other terms and amounts are available.
 

Home Equity - Line of Credit

Term Rates as low as*
Introductory Rate for 6 months
3.900%
Rate after 6 months
7.500%
Payments: 1.0% of principal balance owed on the monthly billing date (minimum payment $50) after each new advance. Loan term is 20 years - 10 year draw period and 10 repayment period. Rate subject to change semi-annually. Maximum rate 18%. A 20 year $30,000 variable rate home equity loan at 7.50% APR has an approximate monthly payment of $300. Other terms and amounts are available.


Home Improvement Loans

Loan Amount
as low as*
Up to $10,000
4.75%
   
   
    
  
*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Rates are subject to change.
**APR = Annual Percentage Rate is based on a $100,000 mortgage with a 1% origination fee and a 20% down payment.


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