Loan Specials - Affinity Credit Union : Affinity Credit Union

Auto & Truck Loan rates as low as 5.99% APR* + $100 cash to refinance with us! Apply online

Platinum MasterCard® rate as low as 11.90% APR*. Apply online

Home Equity Loan rates as low as 8.00% APR* Apply online

HELOC (Home Equity Line of Credit) variable with prime rate Apply online

Personal/Unsecured Loan rates as low as 10.99% APR* Apply online

RV Loan Special: rates as low as 7.99% APR for up to 144 months* Apply online

AUTOS/MOTORCYCLES

Model Year	Term	APR as low as*
2022 & newer	36 months	5.99%
	48 months	5.99%
	60 months	5.99%
	72 months	6.54%
	84 months	6.84%
	96 months**	7.84%
2021 & 2020	36 months	6.24%
	48 months	6.24%
	60 months	6.24%
	72 months	6.69%
	84 months	6.99%
2019 & 2018	36 months	6.49%
	48 months	6.49%
	60 months	6.79%
	72 months	6.99%
2017 – 2014	36 months	6.99%
	48 months	7.24%
	60 months	7.49%
2013 & older	36 months	9.99%
	48 months	10.49%

OTHER SECURED (TRAILERS, ATVs, ETC…)

Term	APR as low as*
12 months	8.50%
24 months	8.75%
36 months	9.00%
48 months	9.50%
60 months	10.00%

RV/MARINE

Model Year	Term	APR as low as*
2022 & newer	up to 96 months	7.49%
	up to 144 months	7.99%
	up to 180 months	8.12%
2021 & older	up to 96 months	8.24%

HOME EQUITY & HELOC

Type	Term	APR as low as*
Fixed	5 years	6.99%
Fixed	10 years	7.49%
Fixed	15 years	7.99%
Line of Credit	up to 15 years	variable (prime)

MORTGAGE RATES

Your situation is unique, and we’ll take the time to learn your story to understand your individual needs. Our mortgage expert, Todd Darland (NMLS #501999), will work with you to determine what you can comfortably afford given your preferences and income abilities.

We also offer free home loan consultations!

Visit our mortgage page for more information, to schedule your free consultation, or to contact Todd Darland directly.

PERSONAL/UNSECURED

Type	Term	APR as low as*
Signature	Up to 60 months	10.99%
Line of Credit	Up to 60 months	10.99%

Type	Term	APR*
Share Secured	Up to 36 months	2% above deposit APY**

CREDIT CARD

Type	APR*
Platinum MasterCard®	11.90% fixed rate
*Annual Percentage Rate. Qualified credit. Restrictions may apply. Cardhold er Agreement

The rates and terms shown are the best available. Terms may vary based on vehicle value.

*AUTO LOANS – Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment Example: pay just $30.42 per month for every $1000 borrowed at 5.99% APR on a 36-month term. Loan amount must be $10,000 or greater to qualify for $100 incentive. Offer not valid on internal refinances. There are no fees associated with refinancing an auto loan from another institution to Affinity Credit Union.

CLASSIC AUTO/TRAILERS/TRACTORS/SEMIS – Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment Example: pay just $87.22 per month for every $1000 borrowed at 8.50% APR on a 12-month term.

RV/MARINE – Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment Example: pay just $14.03 per month for every $1000 borrowed at 7.99% APR on a 97-month term. Minimum $20,000 loan amount to qualify for as low as rate.

HOME EQUITY/HELOC – Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment Example: pay just $19.80 per month for every $1000 borrowed at 8.00% APR on a 5-year term. Property insurance is required. Max CLTV offered is 85%. Rates will adjust to the prime lending rate based on a risk-based model. Floor rate of 4.00% APR and ceiling rate of 18.00% APR.

PERSONAL/UNSECURED – Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment Example: pay just $21.74 per month for every $1000 borrowed at 10.99% APR on a 60-month term. The minimum monthly payment is $75.

SHARED SECURED – Annual Percentage Rate. Qualified credit. Restrictions may apply. Payment Example: pay just $28.66 per month for every $1000 borrowed at 2.05% APR on a 36-month term.**Annual Percentage Yield.

** Subject to minimum credit score. Minimum loan amount $60,000.

Rates effective 12/2/2024. Subject to change without notice.