Consumer Loans
Auto Loans, Motorcycle Loans, Recreational Vehicle Loans, Credit Cards, and Personal Loans
2024 & Newer
| Term Months | APR1 As Low As2 | Payment Per $1,0003 |
|---|---|---|
| Up to 24 | 5.05% | $43.89 |
| 25 - 36 | 5.05% | $29.99 |
| 37 - 48 | 5.25% | $23.14 |
| 49 - 60 | 5.52% | $19.11 |
| 61 - 75 | 5.85% | $16.50 |
| 76 - 84 | 6.81% | $15.00 |
Effective Date:
June 25, 2025
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.
2023
| Term Months | APR1 As Low As | Payment Per $1,0003 |
|---|---|---|
| Up to 24 | 5.05% | $43.91 |
| 25 - 36 | 5.09% | $30.01 |
| 37 - 48 | 5.33% | $23.18 |
| 49 - 60 | 5.59% | $19.14 |
| 61 - 75 | 6.10% | $16.62 |
| 76 - 84 | 6.84% | $15.01 |
Effective Date:
June 25, 2025
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 - 2022
| Term Months | APR1 As Low As | Payment Per $1,0003 |
|---|---|---|
| Up to 24 | 5.09% | $43.91 |
| 25 - 36 | 5.09% | $30.01 |
| 37 - 48 | 5.34% | $23.18 |
| 49 - 60 | 5.64% | $19.17 |
| 61 - 75 | 6.28% | $16.71 |
| 76 - 84 | 6.86% | $15.02 |
Effective Date:
June 25, 2025
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
| Term Months | APR1 As Low As | Payment Per $1,0003 |
|---|---|---|
| Up to 24 | 5.13% | $43.93 |
| 25 - 36 | 5.13% | $30.03 |
| 37 - 48 | 5.40% | $23.21 |
| 49 - 60 | 5.71% | $19.20 |
| 61 - 75 | 6.28% | $16.71 |
2018 - 2019
| Term Months | APR1 As Low As | Payment Per $1,0003 |
|---|---|---|
| Up to 24 | 5.31% | $44.01 |
| 25 - 36 | 5.31% | $30.11 |
| 37 - 48 | 5.56% | $23.28 |
| 49 - 60 | 5.71% | $19.20 |
| 61 - 72 | 6.28% | $16.71 |
Effective Date:
June 25, 2025
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 | 5.35% | $44.03 |
| 25 - 36 | 5.35% | $30.13 |
| 37 - 48 | 5.66% | $23.33 |
| 49 - 60 | 5.71% | $19.20 |
Effective Date:
June 25, 2025
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 - 2015
| Term Months | APR1 As Low As | Payment Per $1,0003 |
|---|---|---|
| Up to 24 | 6.50% | $44.55 |
| 25 - 36 | 6.50% | $30.65 |
| 37 - 48 | 6.81% | $23.86 |
Effective Date:
June 25, 2025
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 & Older
| Term Months | APR1 As Low As | Payment Per $1,0003 |
|---|---|---|
| Up to 24 | 6.87% | $44.71 |
| 25 - 36 | 6.87% | $30.82 |
Effective Date:
June 25, 2025
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.
2024 & Newer
| Term Months | APR1 As Low As2 | Payment Per $1,0003 |
|---|---|---|
| Up to 24 | 5.05% | $43.89 |
| 25 - 36 | 5.05% | $29.99 |
| 37 - 48 | 5.25% | $23.14 |
| 49 - 60 | 5.52% | $19.11 |
| 61 - 75 | 5.85% | $16.50 |
|
76 - 84
|
6.81% | $15.00 |
Effective Date:
June 25, 2025
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.
2023
| Term Months | APR1 As Low As | Payment Per $1,0003 |
|---|---|---|
| Up to 24 | 5.05% | $43.91 |
| 25 - 36 | 5.09% | $30.01 |
| 37 - 48 | 5.33% | $23.18 |
| 49 - 60 | 5.59% | $19.14 |
| 61 - 75 | 6.10% | $16.62 |
| 76 - 84 | 6.84% | $15.01 |
Effective Date:
June 25, 2025
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.
2021 - 2022
| Term Months | APR1 As Low As | Payment Per $1,0003 |
|---|---|---|
| Up to 24 | 5.09% | $43.91 |
| 25 - 36 | 5.09% | $30.01 |
| 37 - 48 | 5.34% | $23.18 |
| 49 - 60 | 5.64% | $19.17 |
| 61 - 75 | 6.28% | $16.71 |
| 76 - 84 | 6.86% | $15.02 |
Effective Date:
June 25, 2025
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
| Term Months | APR1 As Low As | Payment Per $1,0003 |
|---|---|---|
| Up to 24 | 5.13% | $43.93 |
| 25 - 36 | 5.13% | $30.03 |
| 37 - 48 | 5.40% | $23.21 |
| 49 - 60 | 5.71% | $19.20 |
| 61 - 75 | 6.28% | $16.71 |
2018 - 2019
| Term Months | APR1 As Low As | Payment Per $1,0003 |
|---|---|---|
| Up to 24 | 5.31% | $44.01 |
| 25 - 36 | 5.31% | $30.11 |
| 37 - 48 | 5.56% | $23.28 |
| 49 - 60 | 5.71% | $19.20 |
| 61 - 72 | 6.28% | $16.71 |
Effective Date:
June 25, 2025
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 - 2017
| Term Months | APR1 As Low As | Payment Per $1,0003 |
|---|---|---|
| Up to 24 | 5.35% | $44.03 |
| 25 - 36 | 5.35% | $30.13 |
| 37 - 48 | 5.66% | $23.33 |
| 49 - 60 | 5.71% | $19.20 |
Effective Date:
June 25, 2025
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 - 2015
| Term Months | APR1 As Low As | Payment Per $1,0003 |
|---|---|---|
| Up to 24 | 6.50% | $44.55 |
| 25 - 36 | 6.50% | $30.65 |
| 37 - 48 | 6.81% | $23.86 |
Effective Date:
June 25, 2025
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 & Older
| Term Months | APR1 As Low As | Payment Per $1,0003 |
|---|---|---|
| Up to 24 | 6.87% | $44.71 |
| 25 - 36 | 6.87% | $30.82 |
Effective Date:
June 25, 2025
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.
2025
| Term Months | APR1 As Low As | Payment Per $1,0003 |
|---|---|---|
| Up to 24 | 7.46% | $44.98 |
| 25 - 36 | 7.46% | $31.09 |
| 37 - 48 | 7.53% | $24.19 |
| 49 - 60 | 7.57% | $20.07 |
| 61 - 72 | 8.24% | $17.65 |
Effective Date:
June 25, 2025
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.
2021 - 2024
| Term Months | APR1 As Low As | Payment Per $1,0003 |
|---|---|---|
| Up to 24 | 7.47% | $44.99 |
| 25 - 36 | 7.47% | $31.09 |
| 37 - 48 | 7.54% | $24.20 |
| 49 - 60 | 7.58% | $20.08 |
Effective Date:
June 25, 2025
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 & Older
| Term Months | APR1 As Low As | Payment Per $1,0003 |
|---|---|---|
| Up to 24 | 8.53% | $45.47 |
| 25 - 36 | 8.53% | $31.58 |
| 37 - 48 | 8.53% | $24.66 |
Effective Date:
June 25, 2025
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:
June 25, 2025
Membership eligibility is required.
4: APR=Annual Percentage Rate.
Signature Loans
| Term Months | APR5 As Low As | Payment Per $1,0003 |
|---|---|---|
| Up to 12 | 11.65% | $88.69 |
| 13 - 24 | 11.65% | $46.91 |
| 25 - 36 | 11.65% | $33.05 |
| 37 - 48 | 11.90% | $26.28 |
Effective Date:
June 25, 2025
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:
June 25, 2025
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:
June 25, 2025
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 | 11.65% | $88.69 |
| 13 - 24 | 11.65% | $46.91 |
Effective Date:
June 25, 2025
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:
June 25, 2025
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:
June 25, 2025
4: APR=Annual Percentage Rate.
Member Story
"I felt so comfortable with Prime’s guidance during my first loan experience."