Loan Rates
The following are our standard loan rates effective as of 12/11/2025 and may change at any time.
Looking for competitive loan rates to meet your financial needs? At Journey Credit Union, we offer attractive rates on a variety of loan products, including mortgages, auto loans, personal loans, real estate loans, and credit cards.
With qualifying credit, we can often meet or beat rates quoted elsewhere. Call us today for a personalized quote and speak to one of our on-site lenders.
“Term” represents the maximum number of months for the specific type of loan.
*Certain Home Equity fees and appraisal costs may apply |
**Annual Percentage Rate | All Rates and APR’s stated as a percentage
Automobiles
| Model Year | Term | APR AS LOW AS** |
|---|---|---|
| 2024 & Newer | 84 months | 5.19% |
| 72 months | 5.04% | |
| 60 months | 4.94% | |
| 2021-2023 | 72 months | 5.59% |
| 60 months | 5.39% | |
| 48 months | 5.19% | |
| 2017-2020 | 60 months | 6.19% |
| 48 months | 6.09% | |
| 2014-2016 | 48 months | 7.49% |
| 2013 & older | 36 months | 8.39% |
Motorcycles & ATVs
| Model Year | Term | APR as Low As* |
|---|---|---|
| 2024 & Newer | 72 months | 6.49% |
| 2024 & Newer | 60 months | 5.99% |
| 2020 - 2023 | 60 months | 6.49% |
| 2016 - 2019 | 48 months | 6.99% |
| 2015 & Older | 48 months | 7.99% |
Recreational Vehicles (RV) & Watercraft
| Model Year | Term | APR as Low As* |
|---|---|---|
| 2024 & Newer | 72 months | 5.99% |
| 2024 & Newer | 60 months | 5.79% |
| 2020 - 2023 | 60 months | 6.29% |
| 2016 - 2019 | 60 months | 6.79% |
| 2015 & Older | 48 months | 7.79% |
Shared Secured
| Type | Term | APR as Low as** |
|---|---|---|
| Share Certificate Secured | Term of Certificate | CD Rate + 2.00% |
| Shared Secured | 60 months | 4.25% |
| Shared Secured | 120 months | 5.25% |
Lifestyle
| Type | Term | ARP as Low As** |
|---|---|---|
| Personal Line of Credit | $35/$1,000 | 13.90% |
| Overdraft Line of Credit | $35/$1,000 | 13.90% |
| Signature | 48 months | 10.29% |
| Signature | 36 months | 9.99% |
| Signature/Vehicle | Based on Model Year | 8.99% |
| Term Note | 12 months | 11.99% |
Home Equity
| Type | Amount | APR as Low As** |
|---|---|---|
| Home Equity | 60 months* | 5.79% |
| 120 months* | 6.39% | |
| 180 months* | 6.59% | |
| Home Equity Line of Credit* | Initial rate fixed for 12 months | 5.75% |
Credit Card
| Type | Term | APR** |
|---|---|---|
| MasterCard Classic | $500-$10,000 | 11.90% |
| MasterCard Platinum | $5,000+ monthly household income to qualify | 9.90% |
