Loan Rates

New & Used Vehicles
Effective Date: July 5, 2015
Apply for a Loan
TermsAPR Range*Est. Payment/ $1,000 borrowed

New Auto 2014 - 2016 (Up to 100% Financing)

Up to 60 Months
(Dependent on amount financed)
1.74% - 18.24% $17.42 - $25.53
72 Months
(Dependent on amount financed)
2.24% - 18.74% $14.86 - $23.24
84 Months
(Dependent on amount financed)
3.24% - 4.24% $13.33 - $13.79

Used Auto 2009 - 2016 (Up to 110% Financing)

Up to 60 Months
(Dependent on amount financed)
1.99% - 18.49% $17.53 - $25.67
72 Months
(Dependent on amount financed)
2.49% - 18.99% $14.97 - $23.38

New & Used RV (Up to 80% Financing)

Up to 120 Months
(Dependent on amount financed)
10.74% - 17.99% $13.64 - $18.03

New Motorcycle 2014 - 2016 (Up to 80% financing)

Up to 72 Months
(Dependent on amount financed)
9.99% - 12.99% $18.53 - $20.08

Used Motorcycle 2009 - 2016 (Up to 80% financing)

Up to 72 Months
(Dependent on amount financed)
10.24% - 13.49% $18.66 - $20.35

Visa® Credit Card
Effective Date: July 5, 2015
APR Range1Estimated Payment
9.99%-24.99% 3% of Balance
($25 Minimum)

Share-Secured VISA® Credit Card
Effective Date: Sunday, July 5th, 2015
RateEstimated Payment
17.99%* 3% of Balance
($25 Minimum)

Unsecured Loans
Effective Date: July 5, 2015
Apply for a Loan
TypeAPR Range*Est. Payment/ $1,000 borrowed
Line of Credit or
Overdraft Protection
13.25% - 18.00% 2% of Balance
($35 Minimum)
Signature Loan
(Up to 60 mo.)
9.90% - 21.25% $21.20 - $27.19
Hometown Hero Equipment Loan 10.99%3 $88.79

Home Equity Line of Credit2
Effective Date: July 5, 2015

Call (800) 743-7228 or visit your branch to apply

ProgramAPR Range*TermEst. Payment/$1,000 borrowed
Variable rate based on prime rate plus margin - Primary Residence
75% CLTV - Up to $500K 5.00% - 6.25% 240 Months $6.61 - $7.32
85% CLTV - Up to $50K 5.25% - 6.75% 240 Months $6.75 - $7.61

Home Equity Loan**
Effective Date: July 5, 2015

Call (800) 743-7228 or visit your branch to apply

ProgramAPR Range*TermEst. Payment/$1,000 borrowed
Fixed Rate - Primary Residence
75% CLTV - Up to $500K 7.50% - 8.50% 240 Months $8.07 - $8.69
85% CLTV - Up to $50K 8.50% - 9.50% 240 Months $8.69 - $9.33

*All rates and terms are subject to change without notice. Rates listed are APR=Annual Percentage Rates and our current lowest rates based on approved credit. Borrower’s actual rate may be different based on terms and conditions, credit history and ability to repay. All rates include all available discounts including .25% discount for automatic transfer from an Arrowhead account. Some restrictions apply. Loan subject to credit approval. Not all members will qualify. Current Arrowhead loans are not eligible for refinancing. Some financing exceptions made for vehicles not listed in current Kelley Blue Book. Rates & terms not applicable to previously funded Arrowhead Credit Union loans. No down payment required. Rate includes discount of .25% for automatic payments. No other promotional discounts apply. Payment example: a 60 month loan at 1.74% APR would have monthly payments of $17.42 per $1,000 borrowed.

1APR=Annual Percentage Rate. Best rate is for top tier credit. Subject to approval. Rates may change at any time without notice. APR will vary with the market based on the Prime Index.

Lowest payment factor based on lowest rate and highest payment factor based on highest rate.

** Home equity loans and lines of credit require an appraisal. Terms and rate contingent upon home’s appraised value. We will loan up to 85% loan to value (CLTV). No down payment required. Equity determined by the amount your home is worth minus the amount owed on the property. Example: home worth $100,000 multiply by 85% loan to value equal $85,000 minus $40,000 owed, equals $45,000 equity available. Property insurance is required. The Home Equity Loan is a fixed rate and closed-end term with no annual fee.


2The Home Equity Line of Credit is an open-ended credit line with a variable rate based on the Wall Street Journal (WSJ) prime rate plus a margin with a maximum of 18% APR lifetime cap and annual fee of $60. Rate can change after consummation. Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan. Up to 20 years terms for home equity loans and lines of credit.
Payment example: a 240 month loan at 8.50% APR would have monthly payments of $8.69 per $1,000 borrowed.

3 Hometown Hero Equipment Loan requires badge or military ID and direct deposit into a Hometown Hero checking account. 12-month term with a rate of 10.99% APR*. Rates and terms are subject to change at anytime. Estimated monthly payment of $88.38 per $1,000 borrowed. Maximum loan of $1,000. No credit qualifying.

Arrowhead Credit Union © 2015 | P.O. Box 735 San Bernardino, CA 92402
Equal Housing Lender National Credit Union Administration
This Credit Union is federally-insured by the National Credit Union Administration.
We do business in accordance with the Fair Housing Law.