Loan Rates

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 car loan, line of credit, or other 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
2021 to New	Up to 72 months	7.75%
	73 - 84 months	8.00%
2018 to 2020	Up to 72 months	8.25%
	73 - 84 months	8.50%
2014 to 2017	Up to 72 months	9.00%
	73 - 84 months	9.25%

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	9.25%
	85 - 144 months	10.00%
2003 to 2012	Up to 84 moths	10.75%
	85 - 144 months	11.75%

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	13.00%
Up to 60 months	13.50%

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	16.25%

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 6/1/2023, and are subject to change anytime without notice.

Four Points Federal Credit Union is a full-service credit union headquartered in Omaha, Nebraska.

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