Consumer Loan Rates

Rates shown are effective as of November 5, 2019 and may change at any time without notice.

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Personal Loans**
Term Annual Percentage Rate Cost per $1,000
12 months 11.740% $88.74
24 months 12.240% $47.20
36 months 12.990% $33.70
48 months 13.240% $26.96
60 months 13.990% $23.28
72 months 14.990% $21.15
Automobile Loans**
Year Term Annual Percentage Rate Cost per $1,000
2010 or newer 12 Months 3.865% $88.25
2011 or newer 24 Months 3.865% $44.98
2012 or newer 36 Months 3.865% $30.56
2013 or newer 48 Months 3.865% $23.36
2014 or newer 60 Months 3.865% $19.04
2015 or newer 72 Months 4.115% $16.29
2016 or newer ($15k Min) 84 Months 4.665% $14.50
Motorcycle Loans** (New Only)
Term Annual Percentage Rate Cost per $1,000
24 months 8.000% $46.92
36 months 8.000% $32.51
48 months 8.000% $25.33
60 months 8.000% $21.04
72 months 8.000% $18.19
Overdraft Protection**
Annual Percentage Rate
18.00%
VISA Credit Card*
Type Minimum Introductory Rate* Annual Percentage Rate
Visa Platinum $500.00 1.99% 10.50%
Visa Rewards $500.00 1.99% 13.50%
Visa Secured $250.00 N/A 17.50%

1.99% Introductory APR for a period of 12 billing cycles. No Annual Fee. $15,000.00 Maximum.

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CD/Share Secured Loans
  Annual Percentage Rate
Share Secured 3.00% over the share rate
CD Secured 3.00% over the CD rate

Deduction excludes any introductory or promotional rates & Credit Cards.

*1.99% introductory APR applies to purchases/balance transfers made within first 90 days of VISA account opening.

**Contact Arrha Credit Union to apply or visit us online at www.arrhacu.com. Collateral acceptance will be looked at in combination with the application in full in a case by case manner. All Automobile rates listed are based on our Tier 1 & 2 credit grades. All others are based on Tier 1 credit grades. Your actual rate may be higher depending upon your individual credit score. Max maturity cannot exceed 10 years past the model year of the vehicle. VSI is required on all Automobile, Motorcycle, All-Terrain, Boat/Camper/RV loans, fee is $37. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.