When you’re looking for excellent rates on loan products, look no further – HTM Credit Union has the competitive rates you’re looking for.
All rates effective as of January 13, 2023.
| Loan Type | Max Term | Max Amount | 700 - up | 699 - 650 | 649 - 600 | 599 or less |
|---|---|---|---|---|---|---|
| Signature Loan | Up to 36 months | $15,000 | 10.50% | 12.50% | 13.50% | 15.50% |
| Debt Consolidation | Up to 48 months | $15,000 | 10.50% | 12.50% | 13.50% | 15.50% |
| Share Collateral | Up to 60 months | $30,000 | 4.50% | 4.50% | 4.50% | 4.50% |
| Heat Loan | Up to 60 months | $15,000 | 0% | 0% | 0% | 0% |
| New Auto Loans, RV's, Motorcycles 2024 - 2023 - 2022 - 2021 |
Up to 72 months | $75,000 | 4.50% | 5.50% | 6.50% | 7.50% |
| Used Autos, RV's, Motorcycles 2020 - 2019 - 2018 - 2017 |
Up to 60 months | $50,000 | 5.50% | 6.50% | 7.50% | 8.50% |
| Used Autos 2016 > |
3 years max | $20,000 | 6.50% | 7.50% | 8.50% | 9.50% |
| Boats, Trailers, ATV's, Snowmobiles | New or used
5 years max |
$35,000 | 2% over Auto rates | 2% over Auto rates | 2% over Auto rates | 2% over Auto rates |
| Real Estate Loans | 15 - 30 years | $500,000 | Call for rates | |||
| Home Equity Line of Credit | 15 years | $150,000 | Variable Rates | |||
| Fixed Equity Rates | 5 years 10 years 15 years 20 years |
$150,000 | 5-year as low as 5.50% | 10-year as low as 5.75% | 15-year as low as 6.00% | 20-year as low as 6.25% |
| VISA Credit | Per member | $10,000 | 8.99% | 10.99% | 12.99% | 12.99% |
*APR - Annual Percentage Rate
Loans are subject to approval by the credit committee and borrower’s ability to pay
First mortgage for primary residence 80 LTV
4 loans $300,000 (excluding home equity loans)
5 loans $375,000 (excluding home improvement/equity loans)
5 loans $800,000 (including mortgage)