Consumer Loans

Auto Loans, Motorcycle Loans, Recreational Vehicle Loans, Credit Cards, and Personal Loans

2024 & Newer

Term Months APR1 As Low As2 Payment Per $1,0003
Up to  24 5.05% $43.89
25 - 36 5.05% $29.99
37 - 48 5.25% $23.14
49 - 60 5.52% $19.11
61 - 75 5.85% $16.50
75 - 84 6.81% $15.00
Effective Date: May 21, 2025
Membership eligibility is required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
2: If over 10,000 miles, add .20.
3: Payment per $1,000 based on maximum term allowed for each stated rate.

 

2023

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 5.05% $43.91
25 - 36 5.09% $30.01
37 - 48 5.33% $23.18
49 - 60 5.59% $19.14
61 - 75 6.10% $16.62
75 - 84 6.84% $15.01
Effective Date: May 21, 2025
Membership eligibility is required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.

 

2021 - 2022

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 5.09% $43.91
25 - 36 5.09% $30.01
37 - 48 5.34% $23.18
49 - 60 5.64% $19.17
61 - 75 6.28% $16.71
76 - 84 6.86% $15.02
Effective Date: May 21, 2025
Membership eligibility is required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.

 

2020

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 5.13% $43.93
25 - 36 5.13% $30.03
37 - 48 5.40% $23.21
49 - 60 5.71% $19.20
61 - 75 6.28% $16.71

2018 - 2019

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 5.31% $44.01
25 - 36 5.31% $30.11
37 - 48 5.56% $23.28
49 - 60 5.71% $19.20
61 - 72 6.28% $16.71
Effective Date: May 21, 2025
Membership eligibility is required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.

 

2015 - 2016

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 5.35% $44.03
25 - 36 5.35% $30.13
37 - 48 5.66% $23.33
49 - 60 5.71% $19.20
Effective Date: May 21, 2025
Membership eligibility is required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.

 

2013 - 2015

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 6.50% $44.55
25 - 36 6.50% $30.65
37 - 48 6.81% $23.86
Effective Date: May 21, 2025
Membership eligibility is required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.

 

2012 & Older

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 6.87% $44.71
25 - 36 6.87% $30.82
Effective Date: May 21, 2025
Membership eligibility is required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.

2024 & Newer

Term Months APR1 As Low As2 Payment Per $1,0003
Up to  24 5.05% $43.89
25 - 36 5.05% $29.99
37 - 48 5.25% $23.14
49 - 60 5.52% $19.11
61 - 75 5.85% $16.50
75 - 84

 

6.81% $15.00
Effective Date: May 21, 2025
Membership eligibility is required. 10% down payment required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
2: If over 10,000 miles, add .20.
3: Payment per $1,000 based on maximum term allowed for each stated rate.

 

2023

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 5.05% $43.91
25 - 36 5.09% $30.01
37 - 48 5.33% $23.18
49 - 60 5.59% $19.14
61 - 75 6.10% $16.62
75 - 84 6.84% $15.01
Effective Date: May 21, 2025
Membership eligibility is required. 10% down payment required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.

 

2021 - 2022

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 5.09% $43.91
25 - 36 5.09% $30.01
37 - 48 5.34% $23.18
49 - 60 5.64% $19.17
61 - 75 6.28% $16.71
76 - 84 6.86% $15.02
Effective Date: May 21, 2025
Membership eligibility is required. 10% down payment required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.

 

2020

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 5.13% $43.93
25 - 36 5.13% $30.03
37 - 48 5.40% $23.21
49 - 60 5.71% $19.20
61 - 75 6.28% $16.71

2018 - 2019

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 5.31% $44.01
25 - 36 5.31% $30.11
37 - 48 5.56% $23.28
49 - 60 5.71% $19.20
61 - 72 6.28% $16.71
Effective Date: May 21, 2025
Membership eligibility is required. 10% down payment required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.

 

2016 - 2017

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 5.35% $44.03
25 - 36 5.35% $30.13
37 - 48 5.66% $23.33
49 - 60 5.71% $19.20
Effective Date: May 21, 2025
Membership eligibility is required. 10% down payment required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.

 

2013 - 2015

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 6.50% $44.55
25 - 36 6.50% $30.65
37 - 48 6.81% $23.86
Effective Date: May 21, 2025
Membership eligibility is required. 10% down payment required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.

 

2012 & Older

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 6.87% $44.71
25 - 36 6.87% $30.82
Effective Date: May 21, 2025
Membership eligibility is required. 10% down payment required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.

2025

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 7.46% $44.98
25 - 36 7.46% $31.09
37 - 48 7.53% $24.19
49 - 60 7.57% $20.07
61 - 72 8.24% $17.65
Effective Date: May 21, 2025
Membership eligibility is required. 20% down payment required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.

 

2021 - 2024

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 7.47% $44.99
25 - 36 7.47% $31.09
37 - 48 7.54% $24.20
49 - 60 7.58% $20.08
Effective Date: May 21, 2025
Membership eligibility is required. 20% down payment required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.

 

2020 & Older

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 8.53% $45.47
25 - 36 8.53% $31.58
37 - 48 8.53% $24.66
Effective Date: May 21, 2025
Membership eligibility is required. 20% down payment required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.

 

Card Type APR4
Low-interest Card 8.99% - 17.99%
Cashback Card 10.99% - 17.99%
Effective Date: May 21, 2025
Membership eligibility is required.
4: APR=Annual Percentage Rate.

Signature Loans

Term Months APR5 As Low As Payment Per $1,0003
Up to 12 11.00% $88.38
13 - 24 11.00% $46.61
25 - 36 11.00% $32.74
37 - 48 11.30% $25.99
Effective Date: May 21, 2025
3: Payment per $1,000 based on maximum term allowed for each stated rate.
5: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union loan, and borrower must add $5,000 to loan balance.

 

EZ Pay Loans

Term Months APR4 As Low As Payment Per $5006
Up to 12 35.00% $49.98
Effective Date: May 21, 2025
4: APR=Annual Percentage Rate.
6: Payment per $500 based on maximum term allowed for each stated rate.

 

Credit Rebuilder Loans

Term Months APR4 As Low As Payment Per $1,0003
Up to 24 28.00% $54.92
Effective Date: May 21, 2025
3: Payment per $1,000 based on maximum term allowed for each stated rate.
4: APR=Annual Percentage Rate.

 

Dreamer Loans

Term Months APR5 As Low As Payment Per $1,0003
Up to 12 11.00% $88.38
13 - 24 11.00% $46.61
Effective Date: May 21, 2025
3: Payment per $1,000 based on maximum term allowed for each stated rate.
5: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union loan, and borrower must add $5,000 to loan balance.

 

Secured Personal Loans

Term Months APR4
Up to 36 3.00% above existing deposit rate
Effective Date: May 21, 2025
4: APR=Annual Percentage Rate.

 

Certificate Secured Personal Loans

Term Months APR4
Up to Certificate Maturity Date 3.00% above existing deposit rate
Effective Date: May 21, 2025
4: APR=Annual Percentage Rate.
Member Story

"I felt so comfortable with Prime’s guidance during my first loan experience."