Get a loyalty rate deduction off your Auto, Boat, or Recreational Vehicle Loan!
Please ask a representative for your qualifying rate.
Loan Rates
Rates effective as of July 1, 2025.
Type
Rate
APR*
New Autos
Up to 84 Months
4.14% 1
Pre-Owned Autos
Up to 84 Months
5.14%
New & Pre-Owned Motorcycle/ATV
Up to 60 Months
7.69%
New & Pre-Owned Boat, RV, Campers
Up to 84 Months
7.69%
(Over $50,000)
85 - 144 Months
8.64%
Certificate Secured
3.00% above index
Shared Secured
2.50% above index
Signature Loans
Up to 60 Months
As low as 8.75%
Line of Credit
Payment: 3% of Limit
with a minimum of $30
8.75% - 18.00%
Credit Cards
Payment: 3% of balance or
$18 whichever is greater
12.90% - 17.90%
* As Low As (Based On credit score, loan term, and relationship discounts)
Loan Protection
Products
*APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria.
Each application is evaluated on an individual basis. Rates up to 18%. Stated “rates as low as” apply to well-qualified
applicants in combination with relationship discounts. Additional discounts available.
¹A $25,000 loan with an Annual percentage rate of 5.39% would have a approximate payment of $489.27 for 60 months.
Payment Example: 12 payments of $22.33 per $1000 borrowed at 5.39%.
The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate
offered as security plus the index shown above. The loan payoff date must not exceed the Certificate maturity date. The
current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance.
We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments
or other defaults on your accounts may be reflected in your credit report.
Rates are subject to change without notice. Membership is required. For more information, please
contact a Memorial Credit Union representative at (713) 778-6300.