Loan Rates

Type APR**
Personal Loans
InFirst Line of Credit As low as prime1 + 4%
Personal Loan As low as 7.49%2
Share Secured Loan As low as 3.05%
Certificate Secured Loan 3.00% above certificate rate
Auto Loans
New and Used Auto Loans up to 36 months As low as 5.49%3
New and Used Auto Loans - 37 months to 48 months As low as 6.49%3
New and Used Auto Loans - 49 months to 60 months As low as 6.99%3
New and Used Auto Loans - 61 months to 66 months As low as 7.19%3
New and Used Auto Loans - 67 months to 72 months As low as 7.49%3
New and Used Auto Loans - 73 months to 78 months As low as 7.74%3
New and Used Auto Loans - 79 months to 84 months As low as 8.49%3
Other Recreational
RV Loans up to 60 months As low as 7.00%4
RV Loans - 61 months to 84 months As low as 7.75%4
RV Loans - 85 months to 120 months As low as 8.00%4
Boat Loans up to 60 months As low as 7.00%4
Boat Loans - 61 months to 96 months As low as 7.75%4
Boat Loans - 97 months to 144 months As low as 8.00%4
Real Estate Loans
Home Equity Loan As low as 8.00%
Home Improvement Loan As low as 7.75%5
Credit Card Rates
Visa® Rewards
 As low as 10.90%6
Young Adult Visa®
Rewards Available to young adults, ages 18 to 25		 As low as 9.90%6

Rates effective 09/01/2025

Account Terms and Conditions

1Index as published in The Wall Street Journal. The advertised rate is variable and may change after account opening. Rates may adjust quarterly, on the first business day of January, April, July, and October. The index as of 10 days preceding the beginning of the quarter will be used. The APR will never be less than 4.00% APR or greater than the maximum rate allowed by law. Not all members will qualify.

2APR= Annual Percentage Rate. Not all members will qualify. All terms and conditions are subject to change without notice. Rate based on creditworthiness. 0.25% rate discount for membership 60 months or greater. Payment example: If you borrow $5,000 at 8.24% APR for 12 months, your payment each month will be $435.44. This offer may not be used to refinance any existing InFirst FCU loan. Not all members will qualify for the lowest rate. Not all applicants qualify for the maximum loan amount or longest term. Maximum term varies by amount borrowed.

3APR = Annual Percentage Rate. Not all members will qualify. The APR listed is the lowest available rate for the term. Rates, terms, and conditions are subject to change and vary based on creditworthiness, income and other qualifications. Lowest rate shown with all available discounts applied. Maximum discount is not to exceed .50%. Payment example: 36 monthly payments of $30.19 per $1,000.00 borrowed at 5.49% APR. At no time can the discounted loan rate be lower than the credit union’s designated floor rate. Current InFirst FCU Auto Loans are not eligible for refinance.

4APR = Annual Percentage Rate. This rate includes a 0.25% rate discount for each of the following: 80% or less of the MSRP or NADA is financed, and over 60 months of membership. Maximum discount is not to exceed .50%. Payment example: 60 monthly payments of $19.81 per $1,000.00 borrowed at 7.00% APR. At no time can the discounted loan rate be lower than the Credit Union’s designated floor rate. Not all members will qualify. Current InFirst FCU Auto Loans are not eligible for refinance.

5APR = Annual Percentage Rate. Not all members will qualify. This loan is for home improvement purposes only. Copies of estimates are required. All terms and conditions subject to change without notice. Rate based on credit worthiness. Same day approval in most cases. Payment Example: 60 monthly payments of $21.25 for every $1,000 borrowed at 9.99% APR. This offer may not be used to refinance any existing InFirst FCU loan. Not all members will qualify for the lowest rate. Not all applicants qualify for the maximum loan amount or longest term. Maximum term up to 20 years varies by amount borrowed.

6APR = Annual Percentage Rate. Not all members will qualify. Rates are based on creditworthiness. A fee of 3.00% or $5.00, whichever is higher, will apply to any cash advance. Not all applicants will qualify for the lowest rate. Foreign transaction fees may apply. Points expire five years from time of issue.