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 February 8, 2024.

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 12.50% 13.25% 14.00% 14.75%
Debt Consolidation Up to 48 months $15,000 12.50% 13.25% 14.00% 14.75%
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
2022 - 2024
Up to 84 months $100,000 6.75% 7.50% 8.25% 9.00%
Used Autos, RV's, Motorcycles
2015 - 2021
Up to 72 months $75,000 7.25% 8.00% 8.75% 9.50%
Used Autos
2014 >
Up to 36 months $10,000 8.50% 9.50% 10.50% 11.50%
Boats, Trailers, ATV's, Snowmobiles New or used

5 years max

$75,000 2% over Auto rates 2% over Auto rates 2% over Auto rates 2% over Auto rates
Real Estate Loans 15 - 30 years $500,000 Variable 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 6.75% 10-year as low as 6.99% 15-year as low as 7.25% 20-year as low as 7.50%
VISA Credit Per member $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)