Consumer Loans

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

2021 & Newer

Term Months APR1 As Low As2 Payment Per $1,0003
Up to  24 3.72% $43.30
25 - 36 3.72% $29.40
37 - 48 3.90% $22.53
49 - 60 4.05% $18.44
61 - 72 4.25% $15.76
73 - 84 5.06% $14.16
Effective Date: September 21, 2022
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.

 

2020

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 3.79% $43.33
25 - 36 3.79% $29.43
37 - 48 4.03% $22.59
49 - 60 4.23% $18.52
61 - 72 4.60% $15.92
73 - 84 5.06% $14.16
Effective Date: September 21, 2022
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.

 

2018 - 2019

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 3.84% $43.35
25 - 36 3.84% $29.45
37 - 48 4.09% $22.62
49 - 60 4.35% $18.57
61 - 72 4.86% $16.04
73 - 84 5.06% $14.16
Effective Date: September 21, 2022
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 - 2017

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 3.87% $43.37
25 - 36 3.87% $29.47
37 - 48 4.10% $22.62
49 - 60 4.36% $18.58
61 - 72 5.24% $16.22
Effective Date: September 21, 2022
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 - 2014

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 4.08% $43.46
25 - 36 4.08% $29.56
37 - 48 4.37% $22.75
49 - 60 4.51% $18.65
Effective Date: September 21, 2022
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 - 2012

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 5.60% $44.14
25 - 36 5.60% $30.24
37 - 48 5.80% $23.39
Effective Date: September 21, 2022
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.

 

2009 & Older

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 6.00% $44.32
25 - 36 6.00% $30.42
Effective Date: September 21, 2022
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 & Newer

Term Months APR1 As Low As2 Payment Per $1,0003
Up to  24 3.72% $43.30
25 - 36 3.72% $29.40
37 - 48 3.90% $22.53
49 - 60 4.05% $18.44
61 - 72 4.25% $15.76
73 - 84

 

5.06% $14.16
Effective Date: September 21, 2022
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.

 

2020

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 3.79% $43.33
25 - 36 3.79% $29.43
37 - 48 4.03% $22.59
49 - 60 4.23% $18.52
61 - 72 4.60% $15.92
73 - 84 5.06% $14.16
Effective Date: September 21, 2022
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.

 

2018 - 2019

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 3.84% $43.35
25 - 36 3.84% $29.45
37 - 48 4.09% $22.62
49 - 60 4.35% $18.57
61 - 72 4.86% $16.04
73 - 84 5.06% $14.16
Effective Date: September 21, 2022
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 - 2017

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 3.87% $43.37
25 - 36 3.87% $29.47
37 - 48 4.10% $22.62
49 - 60 4.36% $18.58
61 - 72 5.24% $16.22
Effective Date: September 21, 2022
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 - 2014

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 4.08% $43.46
25 - 36 4.08% $29.56
37 - 48 4.37% $22.75
49 - 60 4.51% $18.65
Effective Date: September 21, 2022
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 - 2012

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 5.60% $44.14
25 - 36 5.60% $30.24
37 - 48 5.80% $23.39
Effective Date: September 21, 2022
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.

 

2009 & Older

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 6.00% $44.32
25 - 36 6.00% $30.42
Effective Date: September 21, 2022
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.

2022

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 4.12% $43.48
25 - 36 4.12% $29.58
37 - 48 4.21% $22.67
49 - 60 4.29% $18.55
61 - 72 4.99% $16.10
Effective Date: September 21, 2022
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 - 2021

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 4.49% $43.46
25 - 36 4.49% $29.47
37 - 48 4.58% $22.84
49 - 60 4.66% $18.72
Effective Date: September 21, 2022
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.

 

2017 & Older

Term Months APR1 As Low As Payment Per $1,0003
Up to  24 5.57% $44.13
25 - 36 5.57% $30.23
37 - 48 5.57% $23.29
Effective Date: September 21, 2022
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: September 21, 2022
Membership eligibility is required.
4: APR=Annual Percentage Rate.

Signature Loans

Term Months APR5 As Low As Payment Per $1,0003
Up to 12 9.79% $87.82
13-24 9.79% $46.05
25-36 9.79% $32.17
Effective Date: September 21, 2022
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 38.00% $50.66
Effective Date: September 21, 2022
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: September 21, 2022
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 9.79% $87.82
13-24 9.79% $46.05
Effective Date: September 21, 2022
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: September 21, 2022
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: September 21, 2022
4: APR=Annual Percentage Rate.
Member Story

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