Loan Rates

Save on vehicle financing, personal loans, and more.

Our competitive rates make life more affordable.

We offer competitive rates on auto financing, personal loans, and so much more.

  • Research your next car loan, line of credit, or other borrowing options.
  • The lower the rate, the less you'll pay in interest charges. 

Auto Secured

All loan rates stated below as the Annual Percentage Rate (APR).

Fixed Rate Installment Loans
Product Term FICO 720+ FICO 680-719 FICO 640-679 FICO 639 & below
2017 to New Up to 72 months 3.50% 4.75% 7.25% 11.00%
2017 to New 73 - 84 months 3.75% 5.00% 7.50% 11.25%
2012 to 2016 Up to 72 months 4.50% 5.75% 8.75% 13.25%
2012 to 2016 73 - 84 months 4.75% 6.00% 9.25% 14.00%
Terms based on Loan Amount
Loan Amount Max. Terms Available
$500 - $5,000 Up to 48 months
$5,001 - $20,000 Up to 72 months
$20,001 or more Up to 84 months

Disclosures

Subject to credit approval. Rates based on creditworthiness. Discounts available on auto, other secured (non real estate), and personal installment loans.

Auto Pay Discount
Automatic Payments withdrawn by Four Points: .25% off APR

Relationship Discount
Member with other active Four Points FCU loans: .25% off APR

Motorcycles, Camper/RV, Boat, ATV, UTV

Fixed Rate Installment Loans
Term FICO 720+ FICO 680-719 FICO 640-679 FICO 639 & below
2012 to New Up to 84 moths 4.50% 5.75% 8.25% 12.00%
85 - 144 months 5.50% 6.75% 9.25% 13.00%
2002 to 2011 Up to 84 moths 6.00% 6.75% 9.75% 14.00%
85 - 144 months 7.00% 7.75% 10.75% 15.00%
Terms based on Loan Amount
Loan Amount Max. Terms Available
$500 - $5,000 Up to 72 months
$5,001 - $15,000 Up to 84 Months*
$15,001 or more Up to 144 Months

Disclosures

*Maximum term on Motorcycles, ATVs, and UTVs regardless of loan amount is 84 months.

Subject to credit approval. Rates based on creditworthiness. Discounts available on auto, other secured (non real estate), and personal installment loans.

Auto Pay Discount
Automatic Payments withdrawn by Four Points: .25% off APR

Relationship Discount
Member with other active Four Points FCU loans: .25% off APR

Personal, Shares Secured, and Lines of Credit

Fixed Rate Personal Installment Loans
FICO 720+ FICO 680-719 FICO 640-679 FICO 639 & below
Up to 48 months 8.50% 9.75% 12.75% 16.25%
Up to 60 months 9.00% 10.25% 13.75% 17.00%
Fixed Rate Shares Secured Installment Loan
Up to 60 months
1.75%
Line of Credit
Line of Credit
11.50%

Disclosures

Subject to credit approval. Rates based on creditworthiness. Discounts available on auto, other secured (non real estate), and personal installment loans.

Auto Pay Discount
Automatic Payments withdrawn by Four Points: .25% off APR

Relationship Discount
Member with other active Four Points FCU loans: .25% off APR
Four Points Federal Credit Union is a full-service credit union headquartered in Omaha, Nebraska.

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Auto Loans

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