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 5.14% $43.93
25 - 36 5.14% $30.03
37 - 48 5.33% $23.18
49 - 60 5.52% $19.11
61 - 72 5.74% $16.45
73 - 84 6.54% $14.87
Effective Date: January 18, 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 5.20% $43.96
25 - 36 5.20% $30.06
37 - 48 5.47% $23.24
49 - 60 5.70% $19.19
61 - 72 6.10% $16.62
73 - 84 6.60% $14.90
Effective Date: January 18, 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 5.25% $43.98
25 - 36 5.25% $30.08
37 - 48 5.53% $23.27
49 - 60 5.81% $19.24
61 - 72 6.24% $16.69
73 - 84 6.60% $14.90
Effective Date: January 18, 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 5.27% $43.99
25 - 36 5.27% $30.09
37 - 48 5.57% $23.29
49 - 60 5.84% $19.26
61 - 72 6.49% $16.81
Effective Date: January 18, 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 5.48% $44.09
25 - 36 5.48% $30.19
37 - 48 5.80% $23.39
49 - 60 5.92% $19.30
Effective Date: January 18, 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 6.30% $44.46
25 - 36 6.30% $30.56
37 - 48 6.62% $23.77
Effective Date: January 18, 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 6.70% $44.64
25 - 36 6.70% $30.74
Effective Date: January 18, 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 5.14% $43.93
25 - 36 5.14% $30.03
37 - 48 5.33% $23.18
49 - 60 5.52% $19.11
61 - 72 5.74% $16.45
73 - 84

 

6.54% $14.87
Effective Date: January 18, 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 5.20% $43.96
25 - 36 5.20% $30.06
37 - 48 5.47% $23.24
49 - 60 5.70% $19.19
61 - 72 6.10% $16.62
73 - 84 6.60% $14.90
Effective Date: January 18, 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 5.25% $43.98
25 - 36 5.25% $30.08
37 - 48 5.53% $23.27
49 - 60 5.81% $19.24
61 - 72 6.24% $16.69
73 - 84 6.60% $14.90
Effective Date: January 18, 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 5.27% $43.99
25 - 36 5.27% $30.09
37 - 48 5.57% $23.29
49 - 60 5.84% $19.26
61 - 72 6.49% $16.81
Effective Date: January 18, 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 5.48% $44.09
25 - 36 5.48% $30.19
37 - 48 5.80% $23.39
49 - 60 5.92% $19.30
Effective Date: January 18, 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 6.30% $44.46
25 - 36 6.30% $30.56
37 - 48 6.62% $23.77
Effective Date: January 18, 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 6.70% $44.64
25 - 36 6.70% $30.74
Effective Date: January 18, 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 6.08% $44.36
25 - 36 6.08% $30.46
37 - 48 6.17% $23.56
49 - 60 6.25% $19.45
61 - 72 6.80% $16.95
Effective Date: January 18, 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 6.08% $44.36
25 - 36 6.08% $30.46
37 - 48 6.17% $23.56
49 - 60 6.25% $19.45
Effective Date: January 18, 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 7.19% $44.86
25 - 36 7.19% $30.96
37 - 48 7.04% $23.96
Effective Date: January 18, 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: January 18, 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
Effective Date: January 18, 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: January 18, 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: January 18, 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: January 18, 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: January 18, 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: January 18, 2023
4: APR=Annual Percentage Rate.
Member Story

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