LOANS

Loans That Fit Union Life

We know how union work pays, from overtime to slow seasons. So whether you need a car, boat, RV, or personal loan, we’ll find terms that fit your life. Applying is quick and easy.

NEW AUTO

as low as

0 %APR*

USED AUTO

as low as

0 %APR*

VISA CREDIT CARD

as low as

0 0%APR*

LOAN RATES

Effective as of October 2026

New & Used Autos

TERMS APR* As Low As
1 - 36 Months 5.74%
37 - 60 Months 5.99%
61 - 72 Months 6.24%
73 - 84 Months 6.69%

Motorcycles & Dirt Bikes

TERMS New APR* Used APR*
1 -24 Months 7.24% 7.74%
25-36 Months 7.49% 7.84%
37-48 Months 7.74% 8.24%
49-60 Months 7.99% 8.74%
61-72 Months 8.24% 8.99%
73-84 Months 8.74% 9.24%

Boats & Watercraft

Includes sailboats, boat trailers, jet skis, wave runners, ATVs, and UTVs

TERMS New APR* Used APR*
1 -36 Months 7.25% 7.99%
37-48 Months 7.41% 8.24%
49-60 Months 8.00% 8.50%
61-72 Months 8.24% 8.74%
73-84 Months 8.74% 9.24%
85-120 Months 9.74% 10.24%

RVs & Trailers

Includes motor homes and 5th wheel trailers

TERMS New APR* Used APR*
1 -36 Months 7.74% 7.99%
37-48 Months 8.00% 8.24%
49-60 Months 8.24% 8.50%
61-72 Months 8.74% 9.00%
73-84 Months 9.00% 9.24%
85-120 Months 9.24% 9.74%
121-180 Months 9.74% 10.00%

Home Equity Line of Credit (HELOC)

TERMS APR* As Low As
1 - 180 Months 7.50%

Home Equity Fixed Rate

TERMS APR* As Low As
1 - 180 Months 7.74%

Personal Loans

TERMS APR* As Low As
1 - 12 Months 9.95%
13-24 Months 10.49%
25-36 Months 10.99%
37-48 Months 11.49%
49-60 Months 12.49%

Savings Secured

TERMS APR* As Low As
1 - 60 Months 3.00%
Visa® Classic
10.50% APR*

No annual, balance transfer, or cash advance fees

Visa® Platinum
7.90% APR*

No annual, balance transfer, or cash advance fees

Please call (800) 464-5987 for all current rates, terms and fees.

*APR – Annual Percentage Rate.

For all loans, the actual annual percentage rate is determined at the time a credit decision is rendered and may be higher than the lowest rates available. Credit history, loan terms, mileage, age of collateral, and the amount borrowed are all factors that determine the rate. Not all borrowers will qualify for the lowest rate. There are no pre-payment penalties for repaying your loan early. All loans are subject to credit approval with the exception of Savings Secured Loans.

† We provide a 0.25% relationship discount on auto loans for members who have current or past loans with SMART Federal Credit Union.
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