Loan Rates


Type APR*
Personal Loans
Home Improvement Loan As low as 7.99%
Home Equity As low as 3.99%
Hero Loan As low as 5.49%
InFirst Line of Credit As low as prime1 + 4%
Personal Loan As low as 6.99%
Share Secured Loan As low as 3.10%
Certificate Secured Loan 3.00% above certificate rate
Auto Loans
New Auto Loans up to 36 months As low as 1.99%2
New Auto Loans - 37 months to 48 months As low as 1.99%2
New Auto Loans - 49 months to 60 months As low as 2.59%2
New Auto Loans - 61 to 72 months As low as 3.09%2
New Auto Loans - 73 to 84 months As low as 4.09%2
New   Used Boats As low as 4.09%
New   Used RVs As low as 4.09%
Used Auto Loans
Used Auto Loans up to 36 months As low as 2.09%2
Used Auto Loans - 37 to 48 months As low as 2.09%2
Used Auto Loans - 49 to 60 months As low as 3.09%2
Used Auto Loans - 61 to 72 months As low as 4.39%2
Used Auto Loans - 73 to 84 months As low as 5.09%2
New or Used ATVs, UTV, Personal Watercraft and Off-Road Vehicles As low as 6.99%
Credit Card Rates
VISA® Rewards
As low as 1.99%3
Young Adult Visa® Rewards
Available to young adults, ages 18 to 25
As low as 1.99%3

Rates effective 11/01/2018


Account Terms and Conditions

*APR = Annual Percentage Rate. Rates are determined by individual credit worthiness. Rates and terms subject to change without notice. Other terms and conditions may apply. 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. Rates range from 6.99% to 17.75% based on the term and credit score. Subject to credit approval.

1Index as published in The Wall Street Journal. 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 rate of APR will never be less than 7.00% or greater than the maximum rate allowed by law.

2This rate includes a 0.40% discount if the member has a checking account with InFirst Federal Credit Union with direct deposit and the loan is set up for automatic payments. This rate also includes a 0.25% discount for using our car buying service and a .25% discount for 80% or less of maximum LTV – MSRP for new autos and NADA Retail Adjusted Clean for used vehicles. At no time can the discounted loan rate be lower than the Credit Union’s designated floor rate.

3Balance transfers must be completed within the first 90 days of card issue. This offer may not be used to pay or make balance transfers from any existing InFirst FCU accounts, loans or credit cards. Foreign transaction fees may apply. This promotional rate only applies to new VISA Rewards credit cards. Any existing VISA Rewards Credit Card that is closed and then re-opened will not receive the 1.99% APR introductory offer. After the 6 month promotional period, the rate will adjust to the purchase rate, currently 10.90% APR to 17.90% APR and subject to change. For the Young Adult VISA, the rate will adjust to the purchase rate, currently 9.90% APR for young members opening a checking account with an InFirst Line of Credit. If no checking account or InFirst Line of Credit is established, the standard rate is 11.90% APR and subject to change. Rates based on credit worthiness. 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.