Loan Rates

The rate examples, current as of 1/20/2025, are Everwise Credit Union's best rate and subject to change without notice. All loans are subject to credit approval and membership requirements. APR = Annual Percentage Rate:

 

¹ Personal Line of Credit: Rates vary with Prime and can change monthly.

 

² Personal Loan: If you borrowed $2,000 at 9.99% APR for 12 months, you would have 11 payments of $176.57 and a final payment of $176.53.

³ Lift Credit Builder: Fixed-rate, secured-term loan. Using the loan amount, the money is placed in your Share account and pledged. As payments are made, the pledged amount is reduced. If your payment is late, on the 26th day, the money in your Share account will be used to pay off the loan. Minimum borrowed amount is $500. If you borrowed $2,000 at 5.00% APR for up to 36 months, your payment would be $60.07.

Based on borrowing $10,000 for 60 mo, the following payments and costs would apply:

New (2024 & Newer): 7.39% APR, 59 payments of $200.48 and a final payment of $199.93 with a total finance charge of $2,028.25.
Used (2022-2023): 7.79% APR, 59 payments of $202.42 and a final payment of $202.02 with a total finance charge of $2,144.80.
Used (2020 - 2021): 7.99% APR, 59 payments of $203.40 and a final payment of $202.69 with a total finance charge of $2,203.29.
Used (2017-2019): 8.19% APR 59 payments of $204.37 and a final payment of $204.30 with a total finance charge of $2,262.13.
Used (2013-2016): 8.59% APR 35 payments of $317.23 and a final payment of $316.90 with a total finance charge of $1,419.95.

Based on borrowing $10,000 for 60 mo, the following payments and costs would apply:

New (2024 & Newer): 7.69% APR, 59 payments of $201.93 and a final payment of $201.82 with a total finance charge of $2,115.69.

Used (2017-2023): 8.29% APR, 59 payments of $204.86 and a final payment of $204.79 with a total finance charge of $2,291.53.

Used (2013-2016): 8.99% APR, 36 payments of $319.14 and a final payment of $319.14 with a total finance charge of $1,489.04.

Effective 1/20/2025. Qualified members can finance 90% loan to value (less outstanding mortgage). Rates subject to change without notice. The actual interest rate offered is based on your credit history, product, loan term, and the percentage of remaining equity in your home. APRs quoted above (and in the examples below) are based on a hypothetical $25,000 borrowed with estimated closing costs of $0. With $0 closing cost and loan fees, your rate will equal your APR. If a full internal/external appraisal is required or requested, you will be required to pay the appraisal fee up to $750.

¹ 59 payments of $494.90 with a final payment of $494.35 and a total finance charge of $4,693.45.

Effective 2/4/25. Minimum loan amount $10,000. Current APR is subject to change without notice. Term is a 10-year draw period followed by a 10-year amortized repayment period. If you make the minimum monthly payment during the term of your loan on or before the due date, the loan will be paid in full after the repayment period ends.

A Home Equity Line of Credit is a variable-rate product. Rates adjust monthly based on the Prime Rate as published in the Wall Street Journal, and can vary to a low of 3.00% to a maximum of 12.00% (subject to change). 

Payment Options During Draw Period:
1) 1.00% of the outstanding balance, or interest due, or $50 (whichever is greater), OR
2) The greater of monthly interest due or $50 for qualified members

Qualified members can finance up to Up to 80% of home's value (less outstanding mortgage).

Qualified members can finance up to Up to 90% of home's value (less outstanding mortgage).

APR= Annual Percentage Rate. Visa Platinum: 0.00% intro rate for first 6 months from the date account is opened, then 11.50%, 13.50%, 15.50%, 17.50%, or 21.50% (based on your creditworthiness) for purchases and balance transfers applies. Visa Signature Rewards: 0.00% intro rate for first 6 mos from the date account is opened, then 15.50%, 17.50%, or 19.50% (based on your creditworthiness) for purchases and balance transfers applies.

Eligibility subject to membership requirements. See Everwise Visa Credit Cards agreement and our credit cards page for interest rate/fee disclosures information.

Qualified members can finance up to 100%. Effective 4/1/2025. Based on borrowing $50,000, the following payments and costs would apply:

 

New (2023 & Newer): 8.19% APR, 59 payments of $1,021.85 and a final payment of $1,021.37 with a total finance charge of $11,310.52.

 

Used (2016-2022): 8.79% APR, 59 payments of $1,036.61 and a final payment of $1,036.31 with a total finance charge of $12,196.30.

 

Used (2013-2015): 9.39% APR, 59 payments of $1,051.50 and a final payment of $1,051.27 with a total finance charge of $13,089.77.

 

Rates shown do not include a 0.25% discount available to qualified members with Advantage, Ultimate or World checking accounts. See Products and Services Details for more information.Rates shown do not include a 0.25% discount for qualified members with Advantage, Ultimate or World checking accounts.