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Loan Rates
We'll Lend You a Hand Without Charging an Arm and a Leg.
For auto loans, mortgage and every other type loan, Frontwave Credit Union delivers. We take a no-nonsense approach that keeps our rates competitively low, to help you reach new heights. All rates, terms and conditions may change without notice. Rates Effective April 27, 2026
Personal Signature Loan Rates
|
Terms
|
APR1 as low as
|
|---|---|
| Up to 36 months | 8.99% |
| 37 to 60 months | 13.99% |
Disclaimers
1 APR = Annual Percentage Rate. All loan rates and conditions may change without notice. Example of actual terms available upon request. APR listed is our lowest APR and may be higher based on credit history. All loans subject to approval.
Personal Lines of Credit Rates
|
Lines of Credit Types
|
APR1 as low as
|
|---|---|
| Line of Credit (overdraft protection) | 10.00% |
| Ready Cash2 - Line of Credit up to $500 | 18.00% |
Disclaimers
1 APR = Annual Percentage Rate. All loan rates and conditions may change without notice. Example of actual terms available upon request. APR listed is our lowest APR and may be higher based on credit history. All loans subject to approval.
2 Ready Cash is available for active duty military personnel only.
Visa® Rates
|
Visa Credit Cards
|
APR1 as low as
|
|---|---|
| Visa Platinum | 9.50% |
| Visa Classic | 14.00% |
| Share Secured Visa2 | 14.90% |
| Visa Signature Rewards3 | 16.49% |
Disclaimers
1 APR = Annual Percentage Rate. All loan rates and conditions may change without notice. Example of actual terms available upon request. All loans subject to approval. Membership and credit qualifications apply. Interest does not accrue unless you use the loan.
2 No minimum credit score required Consumer Loans
3 Variable rate subject to change
Auto Loan Rates
|
Terms
|
APR1 as low as
|
Financing Up To
|
|---|---|---|
|
Model Years 2024 or Newer
|
||
| Up to 36 months | 4.49% | 125% |
| 37 to 48 months | 5.24% | 125% |
| 49 to 66 months | 5.49% | 125% |
| 67 to 78 months | 5.74% | 125% |
| 79 to 84 months2 | 6.24% | 125% |
| 85 to 96 months3 | 7.49% | 125% |
|
Model Years 2018-2023
|
||
| Up to 36 months | 5.24% | 120% |
| 37 to 48 months | 5.74% | 120% |
| 49 to 66 months | 5.99% | 120% |
| 67 to 78 months | 6.74% | 120% |
| 79 to 84 months2 | 7.24% | 120% |
|
Model Years 2010-2017
|
||
| Up to 36 months | 7.24% | 100% |
| 37 to 48 months | 8.74% | 100% |
Disclaimers
1 APR = Annual Percentage Rate. Rate includes a 0.25% discount for automatic loan payments from a Frontwave Checking Account. All loan rates and conditions may change without notice. APR listed is our lowest APR and may be higher based on credit history.
2 On balances of $25,000 or more
3 On balances of $35,000 or more
Auto Loans/2024 or Newer Sample Payment: For a $1,000 auto loan for a term of 36 months with a 4.49% APR, the monthly payment would be $29.74.
Auto Loans/2018 - 2023 Sample Payment: For a $1,000 auto loan for a term of 36 months with a 5.24% APR, the monthly payment would be $30.12.
Auto Loans/2010 - 2017 Sample Payment: For a $1,000 auto loan for a term of 36 months with a 7.24% APR, the monthly payment would be $31.00.
Motorcycle Loan Rates
|
Terms
|
APR1 as low as
|
Model Years
|
Financing Up To
|
|---|---|---|---|
| Up to 48 months | 6.74% | 2024 or Newer | 100% |
| Up to 60 months | 6.99% | 2024 or Newer | 100% |
| Up to 72 months | 7.24% | 2024 or Newer | 100% |
| Up to 48 months | 7.49% | 2017 – 2023 | 100% |
| Up to 60 months | 7.74% | 2017 – 2023 | 100% |
Disclaimers
1 APR = Annual Percentage Rate. Rate includes a 0.25% discount for automatic loan payments from a Frontwave Checking Account. All loan rates and conditions may change without notice. Example of actual terms available upon request.
Motorcycle Loans/2024 or Newer Sample Payment: For a $1,000 motorcycle loan for a term of 48 months with a 6.74% APR, the monthly payment would be $23.90.
Recreational Sport Vehicle Loan Rates
|
Model Years
|
APR1 as low as
|
Financing Up To
|
|---|---|---|
| 2021 or Newer | 8.99% | 100% |
Disclaimers
1 APR = Annual Percentage Rate. All loan rates and conditions may change without notice. APR listed is our lowest APR and may be higher based on credit history. All loans subject to approval.
Recreational Sport Vehicle/2021 or Newer Loan Sample Payment: For a $1,000 recreational sport vehicle loan for a term of 60 months with a 8.99% APR, the monthly payment would be $20.84.
Recreational Vehicle Loan Rates
|
Model Years
|
APR1 as low as
|
Financing Up To
|
|---|---|---|
| 2024 or Newer | 7.99% | 100% |
| 2017 – 2023 | 8.49% | 100% |
Disclaimers
1 APR = Annual Percentage Rate. All loan rates and conditions may change without notice. APR listed is our lowest APR and may be higher based on credit history. All loans subject to approval.
Recreational Vehicle/2024 or Newer Loan Sample Payment: For a $1,000 RV loan for a term of 60 months with a 7.99% APR, the monthly payment would be $20.34.
Solar Loans
|
Terms
|
Minimum Loan Amount
|
Maximum Loan Amount
|
APR1 as low as
|
|---|---|---|---|
| 96 months | $5,000.00 | $75,000.00 | 7.49% |
| 120 months | $20,000.00 | $75,000.00 | 8.49% |
| 180 months | $30,000.00 | $75,000.00 | 8.99% |
| 240 months | $40,000.00 | $75,000.00 | 9.24% |
Disclaimers
1 APR = Annual Percentage Rate. All loan rates and conditions may change without notice. Example of actual terms available upon request.
Rates Effective April 27, 2026
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