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Loan Rates

Effective Date: Sunday, April 14th, 2024
NameAnnual Percentage Rates*
Rates and terms subject to changes at any time at the discretion of Financial Access Federal Credit Union Board of Directors.
New or used auto-loan **6.00% - 17.50%
New RVs 7.00% - 17.00%
Used RVs 7.00% - 17.00%
New Motorcycles 7.00% - 17.00%
Used Motorcycles 7.00% - 17.00%
New Boats 7.00% - 17.00%
Used Boats 7.00% - 17.00%
Personal Loan 10.00% - 18.00%
Term line of credit (Term LOC- provides overdraft protection on associated checking account. Advances processed in any dollar amount available on Loc.) 10.00% - 18.00%
Fresh Start (Credit Re-builder) 14.90%
Credit Builder 15.70% - 18.00%
Saving Secured Loan 3.00% over the rate paid on the account being pledged
Certificate Secured Loan 3.00% over the rate paid on the account being pledged
MasterCard (Regular) 17.90% - 17.90%
MasterCard (Secured) 17.90% - 17.90%
MasterCard Cash Advance 19.90%-19.90%

*Rates may vary (contact the loan department for details at


Subtract .25% for fully protected loans with life and                 
disability (subtract .10% for life only, .15% for disability only)                
Subtract .25% for members who have direct deposit and                
auto transfer of payment (auto must be new / used purchase                
or transfer from another financial institution)  
Discount rate IS NOT available with Big Savings Promotion


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