Loan Rates

Rates effective January 16, 2023
APR = Annual Percentage Rate

Mortgage Rates

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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 5.25%	$18.99	rates as low as 5.25%

Home Equity Loan Rates (10 Year)

Term	Rate	Payment Amount Per $1,000.00 Borrowed	APR
10 Year	rates as low as 6.00%	$11.10	rates as low as 6.00%

Home Equity Loan Rates (15 Year)

Term	Rate	Payment Amount Per $1,000.00 Borrowed	APR
15 Year	rates as low as 6.25%	$8.57	rates as low as 6.25%

Home Equity Loan Rates (20 Year)

Term	Rate	Payment Amount Per $1,000.00 Borrowed	APR
20 Year	rates as low as 8.50%	$8.68	rates as low as 8.50%

• 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 Rates (HELOC)

Home Equity Lines of Credit

Term	APR	Assumptions
Up to 80% (Loan to Value)	as low as 7.25%	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 7.50%. Prime minus 0.25% = 7.25% APR.
• Minimum APR 7.25%, Maximum APR 18.00%
• Property and/or flood insurance required.

 

 

Home Improvement Loans

Home Improvement Loans

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 5.49% APR	$19.10	Platinum credit and loan amount of $15,000
61 to 72 months	as low as 5.74% APR	$16.45
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 5.74% APR	$19.21	Platinum credit and loan amount of $15,000
61 to 72 months	as low as 5.99% APR	$16.57
73 to 84 months (Min $25k loan amount)	as low as 7.74% 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 Loans

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

Unsecured Debt Consolidation & Electric Bills Loan Special

Term	APR	Payment Amount Per $1,000.00 Borrowed
1 to 60 Months	as low as 7.99% APR	$20.27

Loan special available from 1/2/2023 through 1/31/2023

Personal Loans

Term	APR	Payment Amount Per $1,000.00 Borrowed
1 to 36 Months	as low as 9.49% APR	$32.03
37 to 60 Months	as low as 10.49% APR	$21.49

Authentically You Personal Loans

Term	APR	Payment Amount Per $1,000.00 Borrowed
1 to 36 Months	as low as 9.49% APR	$32.03
37 to 60 Months	as low as 10.49% APR	$21.49

Personal Line of Credit

Term	APR
Revolving	as low as 9.74% APR

Certificate Secured Loans

Term	APR
60 months	3% over current certificate rate

Share Secured Loans

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# 44185
Seasons Federal Credit Union Loan Officer's NMLS ID Information (PDF)