Personal Loan Rates

Rates Effective: August 13, 2019. These rates, programs, terms and conditions are subject to change without notice. Meritrust Credit Union membership required.

Auto Rates

Autos & Motorcycles1
Term** APR* As Low As***
up to 84 months 3.50%

1Example: Assuming your Auto Loan qualifies for all available rate discounts on qualifying collateral that is 12 model years old or newer with less than 125,000 miles and all loan origination fees are paid at the time of loan closing, a $26,000 Auto Loan with a 60 month term, with the first payment due 45 days from the date of closing, would require 60 monthly payments of $475.46 at an APR of 3.658%.
Final APR and monthly payment is determined based borrower(s) credit score, total amount financed and final loan terms. Financing loan origination fees will affect final loan APR and monthly payment. Vehicles outside of collateral guidelines are subject to final underwriter approval and may be subject to a higher APR. Subject to approval and credit worthiness of applicant(s).

Recreational Vehicles
(Motor Homes, Travel Trailers, Jet Skis, Boats & Campers)2
Term** APR* As Low As***
up to 180 months 5.25%

2Example: A $25,000 Recreational Vehicle Loan with a 60 month term, the first payment due 45 days from the date of loan closing, with all loan origination fees paid at the time of closing will require 60 monthly payments of $477.98 at an APR of 5.45%.
Final APR and monthly payment is determined based borrower(s) credit score, total amount financed and final loan terms. Financing loan origination fees will affect final loan APR and monthly payment. Vehicles outside of collateral guidelines are subject to final underwriter approval and may be subject to a higher APR. Subject to approval and credit worthiness of applicant(s).

Personal Loan Rates

Description Term** APR* As Low As***
Signature/Personal Loan3 up to 60 months 11.00%

3Example: A $5,000 Signature Loan, with a 24 month term and the first payment due 45 days from the date of loan closing will require 24 monthly payment of $234.03 at an APR of 11.00%.
Final APR and monthly payment depends on total amount financed and final loan terms. Subject to approval and credit worthiness of applicant(s).

Share Secured Loan (Savings)4 up to 36 months Account APY + 2.75

4Example: A $2,000 Share Secured Loan with a 12 month term, the first payment due 45 days from the date of loan closing, with all loan origination fees paid at the time of closing will require 12 monthly payments of $172.78 at an APR of 6.245%.
Final loan APR and monthly payment depends on the total amount financed and final loan terms. Subject to approval and credit worthiness of applicant(s).

Share Certificate Secured Loan5 up to 36 months Certificate rate + 2.75

5Example: A $2,500 CD Secured Loan with a 12 month term, the first payment due 45 days from the date of loan closing, with all loan origination fees paid at the time of closing will require 12 monthly payments of $217.85 at an APR of 7.754%.
Final loan APR and monthly payment depends on the total amount financed and final loan terms. Subject to approval and credit worthiness of applicant(s).

Line of Credit VISA® Revolving from 9.75% - 17.99%
Rewards VISA® Revolving WSJ Prime rate + 12.99 up to 18.00% maximum

VISA® Application Disclosure

All loans are subject to approval based on credit worthiness and underwriting factors.
*APR = Annual Percentage Rate.
** The approximate term is provided to disclose the term we use to calculate payments for the Credit Union's closed-end loan products. Shorter and longer terms available.
***Lowest possible APR based on credit worthiness and underwriting factors. For qualified borrowers.