Loan Rates
Rates effective September 1, 2023
APR = Annual Percentage Rate
Mortgage Rates
For First Position Mortgage Rates, view our rates calculator and get a custom mortgage rate quote in minutes!
Home Equity Loans
Home Equity Loan Rates (5 Year)
| Term | Rate | Payment Amount Per $1,000.00 Borrowed | APR |
|---|---|---|---|
| 5 Year | rates as low as 5.50% | $19.10 | rates as low as 5.50% |
Home Equity Loan Rates (10 Year)
| Term | Rate | Payment Amount Per $1,000.00 Borrowed | APR |
|---|---|---|---|
| 10 Year | rates as low as 6.25% | $11.23 | rates as low as 6.25% |
Home Equity Loan Rates (15 Year)
| Term | Rate | Payment Amount Per $1,000.00 Borrowed | APR |
|---|---|---|---|
| 15 Year | rates as low as 6.50% | $8.71 | rates as low as 6.50% |
Home Equity Loan Rates (20 Year)
| Term | Rate | Payment Amount Per $1,000.00 Borrowed | APR |
|---|---|---|---|
| 20 Year | rates as low as 8.75% | $8.84 | rates as low as 8.75% |
- Your rate will be determined by your credit report.
- Home Equity loan rates will be increased by 0.50% if loan amount is less than $25,000.00
- Property and/or flood insurance required.
Home Equity Lines of Credit (HELOC)
Home Equity Line of Credit Rates
| Term | APR | Assumptions |
|---|---|---|
| Up to 80% (Loan to Value) | as low as 8.25% | Platinum credit and loan amount for $25,000 |
- Your rate will be determined by your credit report.
- Rates on Home Equity Line of Credits will be increased by 0.50% if line amount is less than $25,000.00
- Variable Rate is based on The Wall Street Journal Prime Rate as of the last business day of the previous billing cycle. Prime Rate is currently 8.50%. Prime minus 0.25% = 8.25% APR.
- Minimum APR 8.25%, Maximum APR 18.00%
- Property and/or flood insurance required.
Home Improvement Loans
Home Improvement Loan Rates
| Term | APR | Payment Amount Per $1,000.00 Borrowed |
|---|---|---|
| 5 years | as low as 8.99% APR | $20.75 |
| 10 years | as low as 9.99% APR |
$13.21 |
Auto Loans
New Auto Loan Rates (2023 & 2022)
| Term | Rate* | Payment Amount Per $1,000.00 Borrowed | Assumptions |
|---|---|---|---|
| Up to 60 months | as low as 5.99% APR | $19.33 | Platinum credit and loan amount of $25,000 |
| 61 to 72 months | as low as 5.99% APR | $16.57 | |
| 73 to 84 months (Min $25k loan amount) |
as low as 7.24% APR | $15.21 |
Used Auto Loan Rates
| Term | Rate* | Payment Amount Per $1,000.00 Borrowed | Assumptions |
|---|---|---|---|
| Up to 60 months | as low as 6.24% APR | $19.44 | Platinum credit and loan amount of $25,000 |
| 61 to 72 months | as low as 6.24% APR | $16.69 | |
| 73 to 84 months (Min $25k loan amount) |
as low as 7.74% APR | $15.46 |
*Rate determined by your credit history and term and subject to change without notice. Annual Percentage Rate (APR) includes a 0.25% rate discount with Auto Pay from a Seasons FCU checking account.
Boat & Recreational Vehicle Loan Rates
| Term | APR* | Payment Amount Per $1,000.00 Borrowed | Assumptions |
|---|---|---|---|
| Up to 60 months | as low as 6.00% APR | $19.33 | Platinum credit and a loan amount of $15,000 |
| 61 to 120 months | as low as 7.00% APR | $11.61 | |
| 121 to 180 months | as low as 8.00% APR | $9.56 |
*Rate determined by your credit history and term and subject to change without notice.
Credit Card Rates
Credit Card Rates
| Card Type | APR for Purchases | APR for Balance Transfers | APR for Cash Advances |
|---|---|---|---|
| Visa® Platinum | 9.95% to 17.95% based on your credit history | 9.95% to 17.95% based on your credit history | 9.95% to 17.95% based on your credit history |
| Visa® Platinum Rewards | 11.95% to 17.95% based on your credit history | 11.95% to 17.95% based on your credit history | 11.95% to 17.95% based on your credit history |
| Rewards Visa® Signature | 10.95% to 17.95% based on your credit history | 10.95% to 17.95% based on your credit history | 10.95% to 17.95% based on your credit history |
Student Loans
Student Loan Rates
| Term | APR | Payment Amount Per $1,000.00 Borrowed |
|---|---|---|
| Up to 60 Months | as low as 5.49% APR | $19.10 |
| 120 Months | as low as 6.49% APR | $11.35 |
| 180 Months | as low as 7.49% APR | $9.26 |
Personal Loans
Personal Loan Rates
| Term | APR | Payment Amount Per $1,000.00 Borrowed |
|---|---|---|
| 1 to 36 Months | as low as 9.99% APR | $32.26 |
| 37 to 60 Months | as low as 10.99% APR | $21.74 |
Authentically You Personal Loan Rates
| Term | APR | Payment Amount Per $1,000.00 Borrowed |
|---|---|---|
| 1 to 36 Months | as low as 9.99% APR | $32.26 |
| 37 to 60 Months | as low as 10.99% APR | $21.74 |
Personal Line of Credit Rates
| Term | APR |
|---|---|
| Revolving | as low as 9.74% APR |
Certificate Secured Loan Rates
| Term | APR |
|---|---|
| 60 months | 3% over current certificate rate |
Share Secured Loan Rates
| Term | APR |
|---|---|
| 120 months | 3% over current share rate |
Your rate will be determined by your credit report and term selected.
Seasons Federal Credit Union NMLS ID# 441485
Seasons Federal Credit Union Loan Officer's NMLS ID Information (PDF)