Loan Rates

7/1/2022
Description
Loan-to-Value Maximum
Maximum Loan Amount
Approximate Term (In Months) Annual Percentage Rate
New Vehicles Up to 120%
$75,000
84 
5.75% to 16.00%
Used Vehicles ≤ 5 years old
Up to 120%
$75,000
84 6.50% to 16.00%
Used Vehicles > 5 years old
Up to 120%
$40,000
60
6.50% to 16.00%
New & Used Motorcycles
Up to 100%
$30,000 60 9.25% to 16.00%
Visa Standard

$500 to $10,000
Revolving
11.25% to 15.75%
Visa Share Secured
100% of Share Balance
$250 to $2,000
Revolving
13.75%
Share Secured Loans
100% of Share Balance

84 
4.0% above rate of share collateral
Certificate Secured Loans
100% of Share Balances
$500 or more
60 
4.0% above rate of share collateral
Fresh Start Loans
100% of Share Balances
$500, $1,000 $1,500 or $2,000
6 to 24
4.0% above rate of collateral
Signature Loans

$50,000
48
12.00% to 16.00%
Signature Loans with Collateral
Up to 90%
$50,000
48
11.00% to 16.00%
Overdraft Line-of-Credit

$250 to $5,000
Revolving
13.00 to 16.00%
Home Equity Line-of-Credit
80% of appraised value minus first mortgage balance
$150,000
240
5.75% to 6.50%

Annual Percentage Rate may vary depending on creditworthiness. Additional rate discounts may apply for lower LTV’s, automatic loan payments, Term Certificates or IRAs and/or previous loans paid in full satisfactory with Self-Help FCU and its Divisions.
Individual applicant’s interest rates are determined by credit score, vehicle year and mileage. Please ask a loan officer for details.
All rates and terms are subject to change without notice.
The maximum amount of unsecured credit that may be extended to a household is $50,000 including credit cards, lines of credit, and any individual or joint signature loan balance.