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 February 26, 2024

View a printable PDF.

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

Personal Signature Loans

Terms APR1 as low as
Up to 36 months 8.99%
37 to 60 months 13.99%

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

APR1 as low as
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 Classic 14.00%
Share Secured Visa2 14.90%
Visa Signature Rewards3 18.24%

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 / Model Years 2022 or Newer

APR1 as low as Terms
Up to 120% financing 5.74% Up to 36 months
Up to 120% financing 5.99% Up to 48 months
Up to 120% financing 6.24% Up to 60 months
Up to 120% financing 6.49% Up to 72 months
Up to 120% financing 7.24% Up to 842 months
Up to 120% financing 8.74% Up to 963 months

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 $25,000 or more
3 On balances of $35,000 or more
Auto Loans/2022 or Newer Sample Payment: For a $1,000 auto loan for a term of 36 months with a 5.74% APR, the monthly payment would be $30.38.

Auto Loans / Model Years 2015 - 2021

APR1 as low as Terms
Up to 115% financing 6.74% Up to 36 months
Up to 115% financing 6.99% Up to 48 months
Up to 115% financing 7.24% Up to 60 months
Up to 115% financing 7.49% Up to 72 months
Up to 115% financing 8.24% Up to 842 months

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 $25,000 or more
Auto Loans/2015 - 2021 Sample Payment: For a $1,000 auto loan for a term of 36 months with a 6.74% APR, the monthly payment would be $30.85.

Auto Loans / Model Years 2009 - 2014

APR1 as low as Terms
Up to 100% financing 8.49% Up to 36 months
Up to 100% financing 8.99% Up to 48 months

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.
Auto Loans/2009 - 2014 Sample Payment: For a $1,000 auto loan for a term of 36 months with a 8.49% APR, the monthly payment would be $31.68.

Motorcycle Loans

APR1 as Low As Terms Model Years
Up to 100% financing 7.74% Up to 48 months 2022or newer
Up to 100% financing 7.99% Up to 60 months 2022 or newer
Up to 100% financing 8.49% Up to 72 months 2022 or newer
Up to 100% financing 8.49% Up to 48 months 2015 – 2021
Up to 100% financing 8.74% Up to 60 months 2015 – 2021

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/2022 or Newer Sample Payment: For a $1,000 motorcycle loan for a term of 48 months with a 7.74% APR, the monthly payment would be $24.38.

Recreational Sport Vehicles

APR1 as Low As Model Years
Up to 90% financing 13.99% 2019 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 Sport Vehicle/2019 or Newer Loan Sample Payment: For a $1,000 recreational sport vehicle loan for a term of 60 months with a 13.99% APR, the monthly payment would be $23.39.

Recreational Vehicles

APR1 as Low As Model Years
Up to 90% financing 9.99% 2022 or newer
Up to 90% financing 10.49% 2015 – 2021

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/2022 or Newer Loan Sample Payment: For a $1,000 RV loan for a term of 180 months with a 9.99% APR, the monthly payment would be $10.79.

Solar Loans

Minimum Loan Amount Maximum Loan Amount APR1 as Low As Terms
$5,000.00 $75,000.00 7.49% 96 months
$20,000.00 $75,000.00 8.49% 120 months
$30,000.00 $75,000.00 8.99% 180 months
$40,000.00 $75,000.00 9.24% 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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