Consumer Loan Rates

Credit Union West current loan rates
Consumer Loan Rates
Rates Effective: 10/01/2017
Account TypeTermsAnnual Percentage Rate (APR)
Credit Cards
MasterCard Platinum - Preferred RateRevolving8.49% - 17.49% Variable 1
MasterCard Platinum - RewardsRevolving9.99% - 18.99% Variable 1
Credit ReserveRevolving14.90% Fixed
Auto Loans (Up to 20 years old)Up to 84 Months3.24% - 22.00% 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 10 Year Draw Period5.00% - 11.25% Variable 3
Home Equity LoanUp to 240 Months4.25% - 11.25% Fixed 4
Personal LoanUp to 180 Months8.75% - 19.50%
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. 10 year draw period. At the end of the draw period, the loan is amortized over a maximum period of 15 years.

4 Loan level price adjustment added to the margin for non-owner occupied loans.
 

Sample Payments


APR Estimated Monthly Payment
3.24% $876.54, Payment based on $30,000 36 month loan
3.99% $1,182.70, Payment based on $40,000 36 month loan
4.25% $414.27, Payment based on $30,000 84 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
11.25% $417.58, Payment based on $30,000 120 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
16.50% $647.96, Payment based on $30,000 75 month loan
17.25% $976.33, Payment based on $40,000 63 month loan
22.00% $195.95, Payment based on $5,000 36 month loan

Click here for First Mortgage Rates