Consumer Loan Rates

Credit Union West current loan rates
Consumer Loan Rates
Rates Effective: 5/1/18
Account TypeTermsAnnual Percentage Rate (APR)
Credit Cards
MasterCard Platinum - Preferred RateRevolving8.99% - 17.99% Variable 1
MasterCard Platinum - RewardsRevolving10.49% - 19.49% Variable 1
Credit ReserveRevolving14.90% Fixed
Auto Loans (Up to 20 years old)Up to 84 Months3.49% - 22.25% 2
Credit Union West Repossessed VehiclesUp to 60 Months2.90%
Secured Loan (RVs, Boats, Motorcycles, etc.)Up to 180 Months3.99% - 17.25% 2
Home Equity Line of CreditUp to 20 Year Draw Period5.50% - 11.75% Variable 3
Home Equity LoanUp to 240 Months4.25% - 11.25% Fixed 4
Personal LoanUp to 180 Months9.00% - 19.75%
Share Secured LoanUp to 120 MonthsBased on the dividend rate plus a margin of 3%
Money Market Secured LoanUp to 120 MonthsBased on the dividend rate of applicable tier plus a margin of 3%
Certificate Secured LoanUp to 60 MonthsBased on the Certificate rate plus a margin of 3%
Credit Builder LoanUp to 36 MonthsBased on the share deposit dividend rate plus a margin of 7%
1 Variable interest rates calculated by index (prime rate as published in Wall Street Journal) plus a margin. Rates are subject to credit qualifications and performance. Click here for more information on rates.

2 Loan Rates (Auto & Secured) are based on amount financed, term, credit qualifications and performance.

3 Variable interest rates calculated by index (prime rate as published in Wall Street Journal) + margin with a floor of 4.75% APR and a ceiling of 18.00% APR. Rates are subject to loan-to-value, credit qualifications and performance. 20 year draw period. At the end of the draw period, the loan is amortized over a maximum period of 15 years. Available for owner and non-owner occupied residences.
 
4 Home Improvement loans available with LTVs (Loan-to-Value) of 91%-133%. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Please consult a tax advisor for further information regarding the deductibility of interest and charges. Available for owner and non-owner occupied residences.

Sample Payments

 
APR Estimated Monthly Payment
2.90% $358.95, Payment based on $20,000 60 month loan
3.74% $337.50, Payment based on $15,000 48 month loan
3.99% $1,182.70, Payment based on $40,000 36 month loan
4.74% $702.00, Payment based on $50,000 84 month loan
8.25% $684.16, Payment based on $80,000 240 month loan
8.75% $227.87, Payment based on $5,000 24 month loan
8.75% $797.02, Payment based on $40,000 63 month loan
9.50% $492.26, Payment based on $30,000 84 month loan
10.00% $231.70, Payment based on $5,000 24 month loan
11.75% $355.35, Payment based on $30,000 180 month loan
12.50% $225.04, Payment based on $10,000 60 month loan
15.25% $391.35, Payment based on $20,000 84 month loan
17.25% $976.33, Payment based on $40,000 63 month loan

Click here for First Mortgage Rates