Rates last updated: 7/10/2025
Vehicle Loans
| Auto |
Term |
Rate |
APR* |
| Min $5,000 Value |
Up to 36 Months |
4.74 |
4.740 |
| Min $10,000 Value |
Up to 48 Months |
4.99 |
4.990 |
| Min $15,000 Value |
Up to 60 Months |
5.24 |
5.240 |
| Min $20,000 Value |
Up to 72 Months |
5.74 |
5.740 |
| Min $25,000 Value |
Up to 84 Months |
6.24 |
6.240 |
| Motorcycle |
Term |
Rate |
APR* |
| Motorcycle Loan |
60 Months |
9.99 |
9.990 |
Personal Loans
| Type |
Term |
Rate |
APR* |
| Personal Signature Loan <= $10,000 |
Up to 60 Months |
9.99 |
9.990 |
| Personal Signature Loan $10,000.01-$15,000 |
Up to 60 Months |
11.99 |
11.990 |
| Variable Quick Draw Account - (line of credit) |
up to $10,000.00 |
Prime+1.00% |
Prime+1.00% |
Secured Loans
| Type |
Term |
Rate |
APR* |
| CD Secured |
Up to 60 Months |
Rate +2.0 |
Rate +2.0 |
| Shares Secured |
Up to 36 Months |
3.00 |
3.000 |
| Shares Secured |
37 to 48 Months |
3.50 |
3.500 |
| Shares Secured |
49 to 60 Months |
4.00 |
4.000 |
Credit Cards
| |
Value |
Rate |
APR* |
|
VISA Silver (unsecured)
|
up to $10,000.00 |
9.99%, 11.99%, 13.99%, or 17.99%*
|
9.99%, 11.99%, 13.99% or 17.99%*
|
| VISA Gold Cash Back Rewards (unsecured) |
up to $10,000.00 |
Prime + 9.00%-13.75%* |
Prime + 9.00%-13.75%* |
- All information subject to change at any time.
- Loan rates may be based on credit score.
- *APR = Annual Percentage Rate. APR may be based on credit score at time of application. Other restrictions may apply. Rates, terms, and conditions are subject to change without notice. Must meet ARC FCU membership and loan requirements.
- Rate may not be available on ARC refinances.
- For exceptions to term vs. value, add 0.5% for each term level increase, not to exceed 17.99%.