Loan Rates
| New & Used Vehicles1 | ||
| Effective Date: December 21, 2024 | ||
| Terms | APR Range* | Est. Payment/ $1,000 borrowed |
New & Used Autos | ||
| 36 Months | 4.49% -23.49% | $29.80 - $39.35 |
| 48 to 60 Months | 5.99% - 23.74% | $19.38 - $28.90 |
| 72 Months | 6.49% - 23.74% | $16.86 - $26.43 |
| 84 Months** | 6.99% - 8.49% | $15.14 - $15.89 |
New & Used RV 2020 - 2025 (Up to 80% Financing) | ||
| Up to 120 Months (Dependent on amount financed) |
10.74% - 17.74% | $13.64 - $18.03 |
New Motorcycle 2023 - 2025 (Up to 80% financing) | ||
| Up to 72 Months (Dependent on amount financed) |
9.99% - 12.74% | $13.64- $18.03 |
Used Motorcycle 2020 - 2025 (Up to 80% financing) | ||
| Up to 72 Months (Dependent on amount financed) |
10.24% - 13.24% | $18.66 - $20.35 |
| Smart Start Auto Loan | ||
| Effective Date: December 21, 2024 | ||
| Terms | APR Range | Est. Payment/$1,000 borrowed1 |
Smart Start New & Used Auto | ||
| Up to 60 Months (Dependent on amount financed) |
11.49% | $22.10 |
| 72 Months (Dependent on amount financed) |
11.99% | $22.36 |
Visa® Credit Card2 Effective Date: December 21, 2024
Variable APR Range* Estimated Payment
14.49% - 29.49%
3% of Balance
($25 Minimum)
Share-Secured VISA® Credit Card2 Effective Date: December 21, 2024
APR* Estimated Payment
22.49%
3% of Balance
($25 Minimum)
| Unsecured Loans | ||
| Effective Date: December 21, 2024 | ||
| Type | APR Range* | Est. Payment/ $1,000 borrowed |
| Line of Credit or Overdraft Protection |
14.99% - 23.99% | 2% of Balance ($35 Minimum) |
| Signature Loan (Up to 60 mo.) |
12.99% - 22.99% | $22.87 - $28.45 |
| Home Equity Line of Credit3 | |||
| Effective Date: December 21, 2024 | |||
| Program | APR Range* | Term | Est. Payment/$1,000 borrowed† |
| Variable rate based on prime rate plus margin - Primary Residence | |||
| 70% CLTV - Up to $500K | 8.25% - 9.75% | 240 Months | $8.55 - $9.53 |
| 80% CLTV - Up to $250K | 8.75% - 10.25% | 240 Months | $8.87 - $9.86 |
| Home Equity Loan4 | |||
| Effective Date: December 21, 2024 | |||
| Program | APR Range* | Term | Est. Payment/$1,000 borrowed† |
| Fixed Rate - Primary Residence | |||
| 70% CLTV - Up to $500K | 6.75% - 8.25% | Up to 120 Months | $11.52 - $12.31 |
| 70% CLTV - Up to $500K | 7.50% - 9.00% | Up to 240 Months | $8.09 - $9.04 |
| 80% CLTV - Up to $250K | 7.25% - 8.75% | Up to 120 Months | $11.78 - $12.59 |
| 80% CLTV - Up to $250K | 8.00% - 9.50% | Up to 240 Months | $8.40 - $9.37 |
| Hometown Hero Loan5 | ||
| Effective Date: December 21, 2024 | ||
| Name | APR Range* | Est. Payment/$1,000 borrowed* |
| Hometown Hero Loan | 5.00% | $30.04 |
Important Terms and Conditions
*All rates and terms are subject to change without notice. Rates listed are APR=Annual Percentage Rates and our current lowest rates based on approved credit. Borrower’s actual rate may be different based on terms and conditions, credit history and ability to repay.
** Available for tier 1 and tier 2 credit.
1 Auto Loans
All auto loan rates include all available discounts including .25% discount for automatic transfer from an Arrowhead account. Some restrictions apply. A New Auto is a vehicle ranging from 2023-2025 (less than 5,000 miles), with financing of up to 100% Kelley Blue Book available. A Used Auto is a vehicle ranging from 2018-2025 (max mileage 150,000), financing up to 120% Kelley Blue Book available. Loan subject to credit approval. Not all members will qualify. Some financing exceptions made for vehicles not listed in current Kelley Blue Book. Current Arrowhead loans are not eligible for refinancing under these rates and terms. Depending on the loan-to-value, no down payment required. No other promotional discounts apply. Payment example: a 60 month loan at 5.99% APR would have monthly payments of $19.38 per $1,000 borrowed.
2 Credit Card
APR=Annual Percentage Rate. Best rate is for top tier credit. Subject to approval. Rates may change at any time without notice. APR will vary with the market based on the Prime Index. Click here for Terms & Conditions.
3 Home Equity Line of Credit
Home equity lines of credit require an appraisal. Terms and rate contingent upon home’s appraised value. We will loan up to 80% combined loan to value (CLTV). No down payment required. Equity determined by the amount your home is worth minus the amount owed on the property. Example: home worth $100,000 multiply by 80% loan to value equals $80,000 minus $40,000 owed, equals $40,000 equity available. You can borrow up to 80% of homes value less what you owe. Property insurance is required. The Home Equity Line of Credit is an open-ended credit line with a variable rate based on the Wall Street Journal (WSJ) prime rate plus a margin based on credit qualifications or based on your creditworthiness. Minimum rate of 8.25% and annual fee of $60. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Up to 20 year terms. Max rate of 18%.
4 Home Equity Loan
Home equity loans require an appraisal. Terms and rate contingent upon home’s appraised value. We will loan up to 80% loan to value (CLTV). No down payment required. Equity determined by the amount your home is worth minus the amount owed on the property. Example: home worth $100,000 multiply by 80% loan to value equals $80,000 minus $40,000 owed, equals $40,0000 equity available. Property insurance is required. The Home Equity Loan is a fixed rate and closed-end term with no annual fee. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Up to 20 year terms for home equity loans.
5 Hometown Hero Loan
Must be a Hometown Hero. This non-credit-qualifying loan of $500 to $3,000 requires minimum $35 automatic payment from an Arrowhead account. Maximum term is 36 months at 5% APR. Estimated monthly payment is $30.04 per $1,000 borrowed. Current Hometown Heroes loans may not be refinanced. Rates and terms are subject to change without notice.
†Lowest payment factor based on lowest rate and highest payment factor based on highest rate.