Consumer Loans
Auto Loans, Motorcycle Loans, Recreational Vehicle Loans, Credit Cards, and Personal Loans
2024 & Newer
Term Months | APR1 As Low As2 | Payment Per $1,0003 |
---|---|---|
Up to 24 | 4.80% * | $43.78 |
25 - 36 | 4.80% * | $29.88 |
37 - 48 | 4.80% * | $22.94 |
49 - 60 | 4.80% * | $18.78 |
61 - 75 | 5.73% | $15.89 |
76 - 84 | 6.70% | $14.95 |
2023
Term Months | APR1 As Low As | Payment Per $1,0003 |
---|---|---|
Up to 24 | 4.80% * | $43.78 |
25 - 36 | 4.80% * | $29.88 |
37 - 48 | 4.80% * | $22.94 |
49 - 60 | 4.80% * | $18.78 |
61 - 75 | 6.10% | $16.07 |
76 - 84 | 6.84% | $15.01 |
2021 - 2022
Term Months | APR1 As Low As | Payment Per $1,0003 |
---|---|---|
Up to 24 | 4.80% * | $43.78 |
25 - 36 | 4.80% * | $29.88 |
37 - 48 | 4.80% * | $22.94 |
49 - 60 | 4.80% * | $18.78 |
61 - 75 | 6.28% | $16.16 |
76 - 84 | 6.86% | $15.02 |
2020
Term Months | APR1 As Low As | Payment Per $1,0003 |
---|---|---|
Up to 24 | 4.80% * | $43.78 |
25 - 36 | 4.80% * | $29.88 |
37 - 48 | 4.80% * | $22.94 |
49 - 60 | 4.80% * | $18.78 |
61 - 75 | 6.28% | $16.16 |
2018 - 2019
Term Months | APR1 As Low As | Payment Per $1,0003 |
---|---|---|
Up to 24 | 5.31% | $44.01 |
25 - 36 | 5.31% | $30.11 |
37 - 48 | 5.56% | $23.28 |
49 - 60 | 5.71% | $19.20 |
61 - 72 | 6.28% | $16.71 |
2016 - 2017
Term Months | APR1 As Low As | Payment Per $1,0003 |
---|---|---|
Up to 24 | 5.35% | $44.03 |
25 - 36 | 5.35% | $30.13 |
37 - 48 | 5.66% | $23.33 |
49 - 60 | 5.71% | $19.20 |
2013 - 2015
Term Months | APR1 As Low As | Payment Per $1,0003 |
---|---|---|
Up to 24 | 6.50% | $44.55 |
25 - 36 | 6.50% | $30.65 |
37 - 48 | 6.81% | $23.86 |
2012 & Older
Term Months | APR1 As Low As | Payment Per $1,0003 |
---|---|---|
Up to 24 | 6.87% | $44.71 |
25 - 36 | 6.87% | $30.82 |
Effective Date:
September 17, 2025
Membership eligibility is required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
2: If over 10,000 miles, add .20.
3: Payment per $1,000 based on maximum term allowed for each stated rate.
* “Base 5” discounted rate reflects base rate of 5.00% APR with 0.20% autopay discount for well-qualified borrowers for terms up to 60 months and model years up 2020 & newer; rate varies based on creditworthiness and loan-to-value (LTV); actual discount amount varies based on term. Base 5 discount not valid on terms more than 60 months, model years 2019 or older, or refinancing of existing PFCU loans. Base 5 discount combinable only with autopay (0.20%) and SEG (0.25%)discounts. Standard underwriting criteria apply. Limited-time offer valid 10/01/2025 - 10-31/2025; offer may be ended early and without notice.
2024 & Newer
Term Months | APR1 As Low As2 | Payment Per $1,0003 |
---|---|---|
Up to 24 | 4.80% | $43.78 |
25 - 36 | 4.80% | $29.88 |
37 - 48 | 4.80% | $22.94 |
49 - 60 | 4.80% | $18.78 |
61 - 75 | 5.73% | $15.89 |
76 - 84
|
6.70% | $14.95 |
Effective Date:
September 17, 2025
Membership eligibility is required. 10% down payment required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
2: If over 10,000 miles, add .20.
3: Payment per $1,000 based on maximum term allowed for each stated rate.
2023
Term Months | APR1 As Low As | Payment Per $1,0003 |
---|---|---|
Up to 24 | 4.80% | $43.78 |
25 - 36 | 4.80% | $29.88 |
37 - 48 | 4.80% | $22.94 |
49 - 60 | 4.80% | $18.78 |
61 - 75 | 6.10% | $16.07 |
76 - 84 | 6.84% | $15.01 |
Effective Date:
September 17, 2025
Membership eligibility is required. 10% down payment required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.
2021 - 2022
Term Months | APR1 As Low As | Payment Per $1,0003 |
---|---|---|
Up to 24 | 4.80% | $43.78 |
25 - 36 | 4.80% | $29.88 |
37 - 48 | 4.80% | $22.94 |
49 - 60 | 4.80% | $18.78 |
61 - 75 | 6.28% | $16.16 |
76 - 84 | 6.86% | $15.02 |
Effective Date:
September 17, 2025
Membership eligibility is required. 10% down payment required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.
2020
Term Months | APR1 As Low As | Payment Per $1,0003 |
---|---|---|
Up to 24 | 4.80% | $43.78 |
25 - 36 | 4.80% | $29.88 |
37 - 48 | 4.80% | $22.94 |
49 - 60 | 4.80% | $18.78 |
61 - 75 | 6.28% | $16.16 |
2018 - 2019
Term Months | APR1 As Low As | Payment Per $1,0003 |
---|---|---|
Up to 24 | 5.31% | $44.01 |
25 - 36 | 5.31% | $30.11 |
37 - 48 | 5.56% | $23.28 |
49 - 60 | 5.71% | $19.20 |
61 - 72 | 6.28% | $16.71 |
Effective Date:
September 17, 2025
Membership eligibility is required. 10% down payment required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.
2016 - 2017
Term Months | APR1 As Low As | Payment Per $1,0003 |
---|---|---|
Up to 24 | 5.35% | $44.03 |
25 - 36 | 5.35% | $30.13 |
37 - 48 | 5.66% | $23.33 |
49 - 60 | 5.71% | $19.20 |
Effective Date:
September 17, 2025
Membership eligibility is required. 10% down payment required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.
2013 - 2015
Term Months | APR1 As Low As | Payment Per $1,0003 |
---|---|---|
Up to 24 | 6.50% | $44.55 |
25 - 36 | 6.50% | $30.65 |
37 - 48 | 6.81% | $23.86 |
Effective Date:
September 17, 2025
Membership eligibility is required. 10% down payment required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.
2012 & Older
Term Months | APR1 As Low As | Payment Per $1,0003 |
---|---|---|
Up to 24 | 6.87% | $44.71 |
25 - 36 | 6.87% | $30.82 |
Effective Date:
September 17, 2025
Membership eligibility is required. 10% down payment required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.
2025
Term Months | APR1 As Low As | Payment Per $1,0003 |
---|---|---|
Up to 24 | 7.46% | $44.98 |
25 - 36 | 7.46% | $31.09 |
37 - 48 | 7.53% | $24.19 |
49 - 60 | 7.57% | $20.07 |
61 - 72 | 8.24% | $17.65 |
Effective Date:
September 17, 2025
Membership eligibility is required. 20% down payment required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.
2021 - 2024
Term Months | APR1 As Low As | Payment Per $1,0003 |
---|---|---|
Up to 24 | 7.47% | $44.99 |
25 - 36 | 7.47% | $31.09 |
37 - 48 | 7.54% | $24.20 |
49 - 60 | 7.58% | $20.08 |
Effective Date:
September 17, 2025
Membership eligibility is required. 20% down payment required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.
2020 & Older
Term Months | APR1 As Low As | Payment Per $1,0003 |
---|---|---|
Up to 24 | 8.53% | $45.47 |
25 - 36 | 8.53% | $31.58 |
37 - 48 | 8.53% | $24.66 |
Effective Date:
September 17, 2025
Membership eligibility is required. 20% down payment required.
1: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: Payment per $1,000 based on maximum term allowed for each stated rate.
Card Type | APR4 |
---|---|
Low-interest Card | 8.99% - 17.99% |
Cashback Card | 10.99% - 17.99% |
Effective Date:
September 17, 2025
Membership eligibility is required.
4: APR=Annual Percentage Rate.
Signature Loans
Term Months | APR5 As Low As | Payment Per $1,0003 |
---|---|---|
Up to 12 | 11.65% | $88.69 |
13 - 24 | 11.65% | $46.91 |
25 - 36 | 11.65% | $33.05 |
37 - 48 | 11.90% | $26.28 |
Effective Date:
September 17, 2025
3: Payment per $1,000 based on maximum term allowed for each stated rate.
5: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union loan, and borrower must add $5,000 to loan balance.
EZ Pay Loans
Term Months | APR4 As Low As | Payment Per $5006 |
---|---|---|
Up to 12 | 35.00% | $49.98 |
Effective Date:
September 17, 2025
4: APR=Annual Percentage Rate.
6: Payment per $500 based on maximum term allowed for each stated rate.
Credit Rebuilder Loans
Term Months | APR4 As Low As | Payment Per $1,0003 |
---|---|---|
Up to 24 | 28.00% | $54.92 |
Effective Date:
September 17, 2025
3: Payment per $1,000 based on maximum term allowed for each stated rate.
4: APR=Annual Percentage Rate.
Dreamer Loans
Term Months | APR5 As Low As | Payment Per $1,0003 |
---|---|---|
Up to 12 | 11.65% | $88.69 |
13 - 24 | 11.65% | $46.91 |
Effective Date:
September 17, 2025
3: Payment per $1,000 based on maximum term allowed for each stated rate.
5: APR=Annual Percentage Rate. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union loan, and borrower must add $5,000 to loan balance.
Secured Personal Loans
Term Months | APR4 |
---|---|
Up to 36 | 3.00% above existing deposit rate |
Effective Date:
September 17, 2025
4: APR=Annual Percentage Rate.
Certificate Secured Personal Loans
Term Months | APR4 |
---|---|
Up to Certificate Maturity Date | 3.00% above existing deposit rate |
Effective Date:
September 17, 2025
4: APR=Annual Percentage Rate.
Member Story
"I felt so comfortable with Prime’s guidance during my first loan experience."