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 December 2, 2021.

Loan Rates
Loan Type Max Term Max Amount 700 - up 699 - 650 649 - 600 599 or less
Signature Loan Up to 36 months $10,000 10.50% 12.50% 13.50% 15.50%
Debt Consolidation Up to 48 months $15,000 9.99% 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%
Auto Loans
2022 - 2019
Up to 72 months $50,000 1.99% 3.99% 4.99% 5.99%
Auto Loans
2018 - 2016
Up to 60 months $30,000 2.50% 4.50% 4.99% 6.99%
Auto Loans
2015 >
3 years max $10,000 5.99% 6.99% 7.99% 8.99%
RV’S
New or used
New or used

5 years max

$35,000 3% over Auto rates 3% over Auto rates 3% over Auto rates 3% over Auto rates
Real Estate Loans 15 - 20 years $350,000 Variable Rates
Fixed Equity Rates 5 years

10 years

20 years

$75,000
VISA Credit Variable $10,000 8.99% 10.99% 12.99% 12.99%

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*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 $110,000 (excluding home equity loans)
5 loans $185,000 (excluding home improvement/equity loans)
5 loans $460,000 (including mortgage)