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 6.20% $44.41
25 - 36 6.20% $30.51
37 - 48 6.33% $23.64
49 - 60 6.47% $19.55
61 - 75 6.75% $16.93
75 - 84 7.67% $15.42
Effective Date: May 20, 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 6.232% $44.42
25 - 36 6.23% $30.53
37 - 48 6.40% $23.67
49 - 60 6.60% $19.61
61 - 75 7.06% $17.08
75 - 84 7.71% $15.44
Effective Date: May 20, 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 6.30% $44.46
25 - 36 6.30% $30.56
37 - 48 6.49% $23.71
49 - 60 6.74% $19.68
61 - 75 7.30% $17.19
75 - 84 7.72% $15.45
Effective Date: May 20, 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 6.30% $44.46
25 - 36 6.30% $30.56
37 - 48 6.52% $23.72
49 - 60 6.77% $19.69
61 - 75 7.30% $16.65

2017 - 2018

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 6.48% $44.54
25 - 36 6.48% $30.64
37 - 48 6.66% $23.79
49 - 60 6.77% $19.69
61 - 72 7.30% $17.19
Effective Date: May 20, 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 6.52% $44.65
25 - 36 6.52% $30.75
37 - 48 6.76% $23.93
49 - 60 6.77% $19.79
Effective Date: May 20, 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 7.45% $45.07
25 - 36 7.45% $31.18
37 - 48 7.89% $24.36
Effective Date: May 20, 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 7.86% $45.25
25 - 36 7.89% $31.38
Effective Date: May 20, 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 6.20% $44.41
25 - 36 6.20% $30.51
37 - 48 6.33% $23.64
49 - 60 6.47% $19.55
61 - 75 6.75% $16.93
75 - 84

 

7.67% $15.42
Effective Date: May 20, 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 6.232% $44.42
25 - 36 6.23% $30.53
37 - 48 6.40% $23.67
49 - 60 6.60% $19.61
61 - 75 7.06% $17.08
75 - 84 7.71% $15.44
Effective Date: May 20, 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 6.30% $44.46
25 - 36 6.30% $30.56
37 - 48 6.49% $23.71
49 - 60 6.74% $19.68
61 - 75 7.30% $17.19
75 - 84 7.72% $15.45
Effective Date: May 20, 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 6.30% $44.46
25 - 36 6.30% $30.56
37 - 48 6.52% $23.72
49 - 60 6.77% $19.69
61 - 75 7.30% $16.65

2017 - 2018

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 6.48% $44.54
25 - 36 6.48% $30.64
37 - 48 6.66% $23.79
49 - 60 6.77% $19.69
61 - 72 7.30% $17.19
Effective Date: May 20, 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 6.52% $44.65
25 - 36 6.52% $30.75
37 - 48 6.76% $23.93
49 - 60 6.77% $19.79
Effective Date: May 20, 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 7.45% $45.07
25 - 36 7.45% $31.18
37 - 48 7.89% $24.36
Effective Date: May 20, 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 7.86% $45.25
25 - 36 7.89% $31.38
Effective Date: May 20, 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 7.51% $45.00
25 - 36 7.51% $31.11
37 - 48 7.58% $24.22
49 - 60 7.62% $20.10
61 - 72 8.29% $17.68
Effective Date: May 20, 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 7.62% $45.05
25 - 36 7.62% $31.16
37 - 48 7.69% $24.27
49 - 60 7.73% $20.15
Effective Date: May 20, 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 8.69% $45.54
25 - 36 8.69% $31.66
37 - 48 8.69% $24.74
Effective Date: May 20, 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: May 20, 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 11.11% $88.43
13 - 24 11.11% $46.66
25 - 36 11.11% $32.79
37 - 48 11.11% $25.90
Effective Date: May 20, 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: May 20, 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: May 20, 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 11.11% $88.43
13 - 24 11.11% $46.66
Effective Date: May 20, 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: May 20, 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: May 20, 2024
4: APR=Annual Percentage Rate.
Member Story

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