Consumer Loans

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

2022 & Newer

Term Months APR1 As Low As2 Payment Per $1,0003
Up to  24 5.59% $44.14
25 - 36 5.59% $30.24
37 - 48 5.74% $23.37
49 - 60 5.89% $19.28
61 - 72 6.12% $16.63
73 - 84 7.01% $15.10
Effective Date: May 17, 2023
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.

 

2021

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 5.68% $44.18
25 - 36 5.68% $30.28
37 - 48 5.91% $23.44
49 - 60 6.15% $19.40
61 - 72 6.56% $16.84
73 - 84 7.21% $15.20
Effective Date: May 17, 2023
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.

 

2019 - 2020

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 5.71% $44.19
25 - 36 5.71% $30.29
37 - 48 5.97% $23.47
49 - 60 6.28% $19.46
61 - 72 6.70% $16.91
73 - 84 7.25% $15.22
Effective Date: May 17, 2023
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.

 

2016 - 2018

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 5.74% $44.20
25 - 36 5.74% $30.30
37 - 48 6.02% $23.49
49 - 60 6.29% $19.47
61 - 72 6.74% $16.92
Effective Date: May 17, 2023
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.

 

2014 - 2015

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 5.95% $44.30
25 - 36 5.95% $30.40
37 - 48 6.25% $23.60
49 - 60 6.58% $19.60
Effective Date: May 17, 2023
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.

 

2011 - 2013

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 6.76% $44.66
25 - 36 6.76% $30.77
37 - 48 7.06% $23.97
Effective Date: May 17, 2023
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.

 

2010 & Older

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 7,01% $44.78
25 - 36 7.04% $30.90
Effective Date: May 17, 2023
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.

2022 & Newer

Term Months APR1 As Low As2 Payment Per $1,0003
Up to  24 5.59% $44.14
25 - 36 5.59% $30.24
37 - 48 5.74% $23.37
49 - 60 5.89% $19.28
61 - 72 6.12% $16.63
73 - 84

 

7.01% $15.10
Effective Date: May 17, 2023
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.

 

2021

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 5.68% $44.18
25 - 36 5.68% $30.28
37 - 48 5.91% $23.44
49 - 60 6.15% $19.40
61 - 72 6.56% $16.84
73 - 84 7.21% $15.20
Effective Date: May 17, 2023
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.

 

2019 - 2020

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 5.71% $44.19
25 - 36 5.71% $30.29
37 - 48 5.97% $23.47
49 - 60 6.28% $19.46
61 - 72 6.70% $16.91
73 - 84 7.25% $15.22
Effective Date: May 17, 2023
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 - 2018

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 5.74% $44.20
25 - 36 5.74% $30.30
37 - 48 6.02% $23.49
49 - 60 6.29% $19.47
61 - 72 6.74% $16.92
Effective Date: May 17, 2023
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.

 

2014 - 2015

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 5.95% $44.30
25 - 36 5.95% $30.40
37 - 48 6.25% $23.60
49 - 60 6.58% $19.60
Effective Date: May 17, 2023
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.

 

2011 - 2013

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 6.76% $44.66
25 - 36 6.76% $30.77
37 - 48 7.06% $23.97
Effective Date: May 17, 2023
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.

 

2010 & Older

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 7,01% $44.78
25 - 36 7.04% $30.90
Effective Date: May 17, 2023
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.

2023

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 6.13% $44.38
25 - 36 6.13% $30.48
37 - 48 6.22% $23.59
49 - 60 6.30% $19.47
61 - 72 6.85% $16.98
Effective Date: May 17, 2023
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.

 

2019 - 2022

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 6.33% $44.47
25 - 36 6.33% $30.57
37 - 48 6.42% $23.68
49 - 60 6.50% $19.57
Effective Date: May 17, 2023
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.

 

2018 & Older

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 7.38% $44.95
25 - 36 7.38% $31.05
37 - 48 7.38% $24.12
Effective Date: May 17, 2023
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 17, 2023
Membership eligibility is required.
4: APR=Annual Percentage Rate.

Signature Loans

Term Months APR5 As Low As Payment Per $1,0003
Up to 12 10.69% $88.24
13 - 24 10.69% $46.46
25 - 36 10.69% $32.59
37 - 48 10.69% $25.70
Effective Date: May 17, 2023
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 17, 2023
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 17, 2023
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 10.69% $88.24
13 - 24 10.69% $46.46
Effective Date: May 17, 2023
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 17, 2023
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 17, 2023
4: APR=Annual Percentage Rate.
Member Story

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