Loan Rates

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.


Rates Effective September 26, 2022

Please call for the most current information. All rates, terms and conditions may change without notice.

Personal Loans

APR1 as low as
Signature Loans 8.99%
Line of Credit (overdraft protection) 10.00%
Ready Cash2 - Line of Credit up to $500 18.00%

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®

APR 1 As Low As
Visa Platinum 9.50%
Visa 13.00%
Share Secured Visa2 14.90%
Visa Signature Rewards3 15.24%

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 Loans

APR1as low as Terms Model Years
Up to 120% financing 3.99% Up to 48 months 2019 or newer
Up to 120% financing 4.24% Up to 60 months 2019 or newer
Up to 120% financing 4.49% Up to 48 months 2013 - 2018
Up to 120% financing 4.74% Up to 60 months 2013 - 2018
Up to 120% financing 4.49% Up to 72 months 2019 or newer
Up to 120% financing 5.24% Up to 72 months 2013 - 2018
Up to 120% financing 5.49% Up to 843 months 2013 or newer
Up to 120% financing 5.99% Up to 962 months 2019 or newer
Up to 120% financing 5.24% Up to 48 months 2007 – 2012
Up to 120% financing 5.49% Up to 60 months 2007 – 2012

1 APR = Annual Percentage Rate. Rate includes a .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 $35,000 or more
3 On balances of $25,000 or more
Auto Loans/2019 or Newer Sample Payment: For a $1,000 auto loan for a term of 48 months with a 3.99% APR, the monthly payment would be $22.62.

Motorcycle Loans

APR1 as Low As Terms Model Years
Up to 120% financing 4.74% Up to 48 months 2021 or newer
Up to 120% financing 4.99% Up to 60 months 2021 or newer
Up to 120% financing 5.49% Up to 72 months 2021 or newer
Up to 120% financing 6.74% Up to 48 months 2012 – 2020
Up to 120% financing 7.49% Up to 60 months 2012 – 2020

1 APR = Annual Percentage Rate. Rate includes a .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/2021 or Newer Sample Payment: For a $1,000 motorcycle loan for a term of 48 months with a 4.74% APR, the monthly payment would be $22.97.

Recreational Sport Vehicles

APR1 as Low As Model Years
Up to 100% financing 10.99% 2017 or newer

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/2017 or Newer Loan Sample Payment: For a $1,000 recreational sport vehicle loan for a term of 60 months with a 10.99% APR, the monthly payment would be $21.85.

Recreational Vehicles

APR1 as Low As Model Years
Up to 100% financing 6.99% 2020 or newer
Up to 100% financing 7.49% 2012 – 2019

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/2020 or Newer Loan Sample Payment: For a $1,000 RV loan for a term of 180 months with a 6.99% APR, the monthly payment would be $9.02.

Solar Loans

Minimum Loan Amount Maximum Loan Amount APR1 as Low As Terms
$5,000.00 $75,000.00 3.49% 96 months
$7,500.00 $75,000.00 3.99% 120 months
$10,000.00 $75,000.00 4.49% 180 months
$15,000.00 $75,000.00 4.99% 240 months
1 APR = Annual Percentage Rate. All loan rates and conditions may change without notice. Example of actual terms available upon request.
Purchase | Refi 1st Time Home Buyer | VA

Mortgages for real life.

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