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 3.75%

1Disclosed Annual Percentage Rate (APR) assumes 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. For example: A $26,000 loan with an annual percentage rate of 3.75% at a 63 month term would require 63 monthly payments of $455.36. APR is determined based borrower(s) credit score and final loan term. 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.

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

2Disclosed Annual Percentage Rate (APR) assumes all loan orgiination fees are paid at the time of loan closing. For example: A $25,000 loan with an annual percentage rate of 5.25% and a 60 month term would require 60 monthly payments of $474.74. Financing loan origination fess will affect APR. Final rate and available term is based on borrower(s) credit score and total amount financed.

Personal Loan Rates

Description Term** APR* As Low As***
Signature/Personal Loan3 up to 60 months 8.00%

3Disclosed Annual Percentage Rate (APR) assumes a $5,000 loan with all loan origination fees paid at loan closing. For example: A $5,000 loan with an APR of 8.00% and a 24 month term would require 24 monthly payments of $226.19. Financing loan origination fees will affect final loan APR amd monthly payment .Final APR and term is based on borrower(s) creidt score. Financing loan origination fees will affect final loan APR.

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

4Disclosed Annual Percentage Rate (APR) assumes all loan origination fees paid at the time of loan closing. For example: A $2,000 loan with an APR of 2.80% and a 12 month term would require 12 monthly payments of $169.22. Financing loan origination fees will affect final loan APR and monthly payment

Share Certificate Secured Loans5 Loan term may not exceed term of securing CD Certificate rate + 2.75%

5Disclosed APR assumes a $2,000 loan with all loan origination fees paid at the time of loan closing. For example: A $2,000 loan with a contract interest rate of 2.80% and a 12 month term would require 12 monthly payments of $169.22.Financing loan origination fees will affect final loan APR and monthly payment.

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

VISA® Application Disclosure

All loans are subject to approval based on creidt 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.