Our competitive interest rates make life in Nebraska more affordable.
Four Points Credit Union offers competitive rates on auto & recreational vehicle financing, personal loans, and so much more.
- Research your next vehicle loan, line of credit, or other convenient borrowing options.
- The lower the interest rate, the less you'll pay in interest charges.
Auto Secured
All rates stated below as the Annual Percentage Rate (APR)
Fixed Rate Installment Loans
| Vehicle Age | Term | As Low As |
|---|---|---|
| 2022 to New | Up to 60 months | 5.75% |
| 61 - 72 months | 6.25% | |
| 73 - 84 months | 6.75% | |
| 2020 to 2021 | Up to 60 months | 6.25% |
| 61 - 72 months | 6.75% | |
| 73 - 84 months | 7.25% | |
| 2018 to 2019 | Up to 60 months | 7.00% |
| 61 - 72 months | 7.50% | |
| 73 - 84 months | 8.00% | |
| 2014 to 2017 | Up to 60 months | 8.00% |
| 61 - 72 months | 8.50% | |
| 73 - 84 months | 9.00% |
Auto Pay Discount
Earned by setting up Automatic Payments with us
0.25% off APR
Relationship Discount
Earned by having other active Four Points FCU loans
0.25% off APR
Disclosures
Subject to credit approval. Rates based on creditworthiness. Discounts available on auto, other secured (non real estate), and personal installment loans only. Maximum Auto Secured mileage is 150,000 miles and model years shown above. Vehicles exceeding this mileage or older model years are priced at FPFCU current personal loan rates. If personal loan rate is assigned, other high LTV adjustments—if applicable—are not applied.
Motorcycles, Camper/RV, Boat, ATV, UTV
All rates stated below as the Annual Percentage Rate (APR)
Fixed Rate Installment Loans
| Vehicle Age | Term | As Low As |
|---|---|---|
| 2013 to New | Up to 84 moths | 8.75% |
| 85 - 144 months | 9.75% | |
| 2003 to 2012 | Up to 84 moths | 11.00% |
| 85 - 144 months | 12.00% |
Auto Pay Discount
Earned by setting up Automatic Payments with us
0.25% off APR
Relationship Discount
Earned by having other active Four Points FCU loans
0.25% off APR
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 only.
Personal, Shares Secured, and Lines of Credit
All rates stated below as the Annual Percentage Rate (APR)
Fixed Rate Personal Installment Loans
| Term | As Low As |
|---|---|
| Up to 48 months | 12.00% |
| Up to 60 months | 12.50% |
Fixed Rate Shares Secured Installment Loan
| Term | As Low As |
|---|---|
| Up to 60 months | 6.00% |
Line of Credit
| Product | As Low As |
|---|---|
| Personal Line | Prime + 8.5% |
Auto Pay Discount
Earned by setting up Automatic Payments with us
0.25% off APR
Relationship Discount
Earned by having other active Four Points FCU loans
0.25% off APR
Disclosures
Subject to credit approval. Rates based on creditworthiness. Discounts available on auto, other secured (non real estate), and personal installment loans only.
Disclosures
The Annual Percentage Rates (APR) and Annual Percentage Yields (APY) quoted are current as of 9/1/2023, and are subject to change anytime without notice.
Four Points Federal Credit Union is a full-service credit union headquartered in Omaha, Nebraska.
Ready, Set, Grow!
No matter your next step, Four Points FCU can help you get there