Loan Rates

Save on vehicle financing, personal loans, and more.

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
2023 to New Up to 60 months 6.00%
61 - 72 months 6.50%
73 - 84 months 7.00%
2021 to 2022 Up to 60 months 6.50%
61 - 72 months 7.00%
73 - 84 months 7.50%
2019 to 2020 Up to 60 months 7.25%
61 - 72 months 7.75%
73 - 84 months 8.25%
2015 to 2018 Up to 60 months 8.25%
61 - 72 months 8.75%
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
2014 to New Up to 84 moths 9.00%
85 - 144 months 10.00%
2004 to 2013 Up to 84 moths 11.25%
85 - 144 months 12.25%


 

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

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 12.25%
Up to 60 months 12.75%

 
Fixed Rate Shares Secured Installment Loan
Term As Low As
Up to 60 months 6.50%

 
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 1/1/2024, 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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Auto Loans

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