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 October 25, 2022.

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 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%
Auto Loans
2023 - 2020
Up to 72 months $50,000 4.50% 5.50% 6.50% 7.50%
Auto Loans
2019 - 2017
Up to 60 months $30,000 5.50% 6.50% 7.50% 8.50%
Auto Loans
2016 >
3 years max $10,000 6.50% 7.50% 8.50% 9.50%
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 10 - 30 years $350,000 Variable Rates
Fixed Equity Rates 5 years

10 years

20 years

$75,000 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 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)