Loan Rates
Auto Loans
New and Used Vehicle Loan Rates
Terms | APR* |
---|---|
48 Months | 5.50% |
60 Months | 5.75% |
72 Months | 6.25% |
78 Months | 6.50% |
84 Months | 6.75% |
Boats, ATVs, RVs, Motorcycles & Other Secured Loans
Recreational + Other Secured Rates
Terms | APR* |
---|---|
48 Months | 5.99% |
60 Months | 6.25% |
78 Months | 6.75% |
72 Months | 6.50% |
84 Months | 7.25% |
96+ Months | 8.25% |
Mortgage Loan Rates
Terms | Rate | APR* |
---|---|---|
10 Year Fixed Rate | 5.750% | 6.252% |
15 Year Fixed Rate | 6.000% | 6.356% |
20 Year Fixed Rate | 6.250% | 6.536% |
30 Year Fixed Rate | 6.500% | 6.720% |
Terms | Rate |
---|---|
12 Months | 6.750% |
Home Equity Loan Rates
Terms | Rate | APR* |
---|---|---|
60 Months | 5.425% | 5.841% |
120 Months | 5.800% | 6.022% |
180 Months | 6.000% | 6.157% |
240 Months | 6.250% | 6.376% |
300 Months | 6.500% | 6.609% |
360 Months | 6.500% | 6.597% |
Home Improvement Loan Rates
Terms | Rate |
---|---|
60 Months | 5.800% |
120 Months | 5.925% |
180 Months | 6.250% |
240 Months | 6.375% |
Land/Unimproved Property Loan Rates
Terms | Rate |
---|---|
60 Months | 5.750% |
120 Months | 6.250% |
180 Months | 6.500% |
Personal Credit Card Rates
Terms | Fees | APR* | Notes |
---|---|---|---|
totalREWARDS VISA | No annual fees | 11.90%* | Earn totalREWARDS on every purchase with your Education First VISA for choice of cash back, travel, merchandise or gift cards! |
total REWARDS Business VISA | No annual fees | 11.90%* | Earn totalREWARDS on every purchase with your Education First VISA for choice of cash back, travel, merchandise or gift cards! |
Line of Credit Rates
Fees | APR* |
---|---|
No annual fees | 10.70% |
Personal Loans
Terms | Fees | APR* |
---|---|---|
Unsecured Personal | No annual fees | 12.03% |
Share Secured | No annual fees | 3.0% + Regular Savings Dividend Rate |
Share Certificate Secured for 6 – 36 months | No annual fees | 2.0% + Share Certificate Dividend Rate |
Share Certificate Secured for 37 – 60 months | No annual fees | 3.0% + Share Certificate Dividend Rate |
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Calculators
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Rates
Check current rates and find out which ones adhere to your loan type.
Member Perks
When you want a better place to hold your accounts and grow your money, Education First is at the head of the class.