Loan Rates

Loan Rates
The following are our standard loan rates effective as of 5/1/2024 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


Model YearTermAPR AS LOW AS**
2023 - 202484 months6.59%
72 months6.39%
60 months6.19%
2018 - 202372 months6.59%
60 months 6.29%
48 months6.19%
2015-201760 months6.79%
48 months6.69%
2012-201448 months7.49%
2006-201136 months8.39%

Motorcycles & ATVs

Model YearTermAPR as Low As*
2023 - 202472 months6.99%
2023 - 202460 months6.59%
2018 - 202360 months6.99%
2014 - 201748 months7.49%
2013 & Older48 months8.49%

Recreational Vehicles (RV) & Watercraft

Model YearTermAPR as Low As*
2023 - 202472 months6.79%
2023 - 202460 months6.49%
2017 - 202360 months6.59%
2013 - 201660 months7.19%
2010 - 201248 months8.19%
2009 & older48 months8.39%

Shared Secured

TypeTermAPR as Low as**
Share Certificate SecuredTerm of CertificateCD Rate + 2.00%
Shared Secured60 months4.25%
Shared Secured120 months5.25%


TypeTermARP as Low As**
Personal Line of Credit$35/$1,00013.90%
Overdraft Line of Credit$35/$1,00013.90%
Signature48 months10.75%
Signature36 months10.50%
Signature/Vehicle72 months9.19%
Term Note12 months12.50%

Home Equity

TypeAmountAPR as Low As**
Home Equity60 months*6.29%
120 months*6.99%
180 months*7.29%
Home Equity Line of Credit*Initial rate fixed for 12 months6.00%

Credit Card

MasterCard Classic$500-$10,00011.90%
MasterCard Platinum$5,000+ monthly household income to qualify9.90%

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