Consumer Loans

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

2023 & Newer

Term Months APR1 As Low As2 Payment Per $1,0003
Up to  24 6.31% $44.46
25 - 36 6.31% $30.56
37 - 48 6.48% $23.71
49 - 60 6.65% $19.64
61 - 75 7.00% $17.05
75 - 84 7.91% $15.54
Effective Date: April 24, 2024
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.

 

2022

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 6.42% $44.51
25 - 36 6.42% $30.61
37 - 48 6.64% $23.78
49 - 60 6.89% $19.75
61 - 75 7.47% $17.28
75 - 84 8.13% $15.65
Effective Date: April 24, 2024
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 - 2021

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 6.56% $44.57
25 - 36 6.56% $30.68
37 - 48 6.80% $23.85
49 - 60 7.11% $19.85
61 - 75 7.77% $17.42
75 - 84 8.13% $15.65
Effective Date: April 24, 2024
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

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 6.56% $44.57
25 - 36 6.56% $30.68
37 - 48 6.84% $23.87
49 - 60 7.15% $19.87
61 - 75 7.77% $16.87

2017 - 2018

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 6.79% $44.68
25 - 36 6.79% $30.78
37 - 48 7.01% $23.95
49 - 60 7.15% $19.87
61 - 72 7.77% $17.42
Effective Date: April 24, 2024
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 6.84% $44.70
25 - 36 6.84% $30.80
37 - 48 7.14% $24.01
49 - 60 7.15% $19.87
Effective Date: April 24, 2024
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 - 2014

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 7.87% $45.14
25 - 36 7.87% $31.24
37 - 48 8.17% $24.46
Effective Date: April 24, 2024
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 & Older

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 8.34% $45.47
25 - 36 8.38% $31.60
Effective Date: April 24, 2024
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.

2023 & Newer

Term Months APR1 As Low As2 Payment Per $1,0003
Up to  24 6.31% $44.46
25 - 36 6.31% $30.56
37 - 48 6.48% $23.71
49 - 60 6.65% $19.64
61 - 75 7.00% $17.05
75 - 84

 

7.91% $15.54
Effective Date: April 24, 2024
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.

 

2022

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 6.42% $44.51
25 - 36 6.42% $30.61
37 - 48 6.64% $23.78
49 - 60 6.89% $19.75
61 - 75 7.47% $17.28
75 - 84 8.13% $15.65
Effective Date: April 24, 2024
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 - 2021

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 6.56% $44.57
25 - 36 6.56% $30.68
37 - 48 6.80% $23.85
49 - 60 7.11% $19.85
61 - 75 7.77% $17.42
75 - 84 8.13% $15.65
Effective Date: April 24, 2024
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

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 6.56% $44.57
25 - 36 6.56% $30.68
37 - 48 6.84% $23.87
49 - 60 7.15% $19.87
61 - 75 7.77% $16.87

2017 - 2018

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 6.79% $44.68
25 - 36 6.79% $30.78
37 - 48 7.01% $23.95
49 - 60 7.15% $19.87
61 - 72 7.77% $17.42
Effective Date: April 24, 2024
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.

 

2015 - 2016

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 6.84% $44.70
25 - 36 6.84% $30.80
37 - 48 7.14% $24.01
49 - 60 7.15% $19.87
Effective Date: April 24, 2024
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 - 2014

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 7.87% $45.14
25 - 36 7.87% $31.24
37 - 48 8.17% $24.46
Effective Date: April 24, 2024
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 & Older

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 8.34% $45.47
25 - 36 8.38% $31.60
Effective Date: April 24, 2024
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.

2024

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 7.68% $45.08
25 - 36 7.68% $31.19
37 - 48 7.75% $24.30
49 - 60 7.79% $20.18
61 - 72 8.46% $17.76
Effective Date: April 24, 2024
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 - 2023

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 7.78% $45.13
25 - 36 7.78% $31.23
37 - 48 7.85% $24.34
49 - 60 7.89% $20.22
Effective Date: April 24, 2024
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 & Older

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 8.77% $45.58
25 - 36 8.77% $31.69
37 - 48 8.77% $24.78
Effective Date: April 24, 2024
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: April 24, 2024
Membership eligibility is required.
4: APR=Annual Percentage Rate.

Signature Loans

Term Months APR5 As Low As Payment Per $1,0003
Up to 12 11.87% $88.79
13 - 24 11.87% $47.01
25 - 36 11.87% $33.15
37 - 48 11.87% $26.27
Effective Date: April 24, 2024
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: April 24, 2024
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: April 24, 2024
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 11.87% $88.79
13 - 24 11.87% $47.01
Effective Date: April 24, 2024
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: April 24, 2024
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: April 24, 2024
4: APR=Annual Percentage Rate.
Member Story

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