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Consumers Professional Credit Union

Loan Rates

Current Promotion:

1% Off APR* & No Payments For First 90 Days On Any New Secured Loan.

*Annual Percentage Rate. Rates are subject to change without notice. Subject to credit approval and other conditions. Rates may vary based on term and credit score. See lender for details. This offer excludes mortgages, commercial loans, and credit cards.

New Car/Motorcycle/Truck/Classics/Auto-Up*
Effective Date: Oct 1, 2025
Credit ScoreTermAPR
700-800 24 Months 5.050%
  36 Months 5.300%
  48 Months 5.550%
  60 Months 5.800%
  72 Months 6.050%
  84 Months 6.650%
620-699 24 Months 5.300%
  36 Months 5.800%
  48 Months 6.000%
  60 Months 6.050%
  72 Months 6.550%
  84 Months 7.150%
580-619 24 Months 5.550%
  36 Months 6.300%
  48 Months 6.800%
  60 Months 7.050%
  72 Months 7.550%
  84 Months 8.150%

APR=Annual Percentage Rate

10% down payment may be required on 84 months loans

*No discounts on the interest rate if an "Auto-Up" Loan

Used Car/Motorcycle/Truck/Classics/Auto-Up*
Effective Date: Sept 1, 2025
Credit ScoreTermAPR
700-800 24 Months 5.300%
  36 Months 5.550%
  48 Months 5.800%
  60 Months 6.050%
  72 Months 6.300%
  84 Months 6.900%
620-699 24 Months 5.550%
  36 Months 6.050%
  48 Months 6.250%
  60 Months 6.300%
  72 Months 6.800%
  84 Months 7.400%
580-619 24 Months 5.800%
  36 Months 6.550%
  48 Months 7.050%
  60 Months 7.300%
  72 Months 7.800%
  84 Months 8.400%

APR=Annual Percentage Rate

10% down payment may be required on 84 months loans

*No discounts on the interest rate if an "Auto-Up" Loan

2024-2025 New Watercraft/Recreational
Effective Date: Oct 1, 2025
Excluding Motorhomes (RVs)
Credit ScoreTermAPR
700-800 36 Months 6.250%
  48 Months 6.500%
  60 Months 6.750%
  72 Months 7.000%
  84 Months 7.250%
620-699 36 Months 6.500%
  48 Months 6.750%
  60 Months 7.000%
  72 Months 7.250%
  84 Months 7.350%
580-619 36 Months 7.250%
  48 Months 7.750%
  60 Months 8.250%
  72 Months 8.500%
  84 Months 8.600%
APR=Annual Percentage Rate

Used Watercraft/Recreational
Effective Date: Oct 1, 2025
Excluding Motorhomes (RVs)
Credit ScoreTermAPR
700-800 36 Months 6.500%
  48 Months 6.750%
  60 Months 7.000%
  72 Months 7.250%
  84 Months 7.500%
620-699 36 Months 7.000%
  48 Months 7.500%
  60 Months 7.750%
  72 Months 8.000%
  84 Months 8.250%
580-619 36 Months 8.750%
  48 Months 9.250%
  60 Months 9.750%
  72 Months 10.250%
  84 Months 10.500%

APR=Annual Percentage Rate

Maximum Loan Amount Not To Exceed NADA Retail Value or Appraised Value

2024-2025 New Motorhomes (RVs)
Effective Date: Oct 1, 2025
Finance up to 70% of the Purchase Price
Credit ScoreTermAPR
700-800 36 Months 6.250%
  48 Months 6.500%
  60 Months 6.750%
  72 Months 7.250%
  84 Months 7.750%
620-699 36 Months 6.750%
  48 Months 7.250%
  60 Months 7.500%
  72 Months 7.750%
  84 Months 8.250%
580-619 36 Months 8.250%
  48 Months 8.750%
  60 Months 9.000%
  72 Months 9.250%
  84 Months 9.500%
Balloon Minimum $15,000
700-800 3 Year Balloon 5.500%
  5 Year Balloon 6.000%
620-699 3 Year Balloon 6.000%
  5 Year Balloon 6.500%
580-619 3 Year Balloon 6.750%
  5 Year Balloon 7.000%
APR=Annual Percentage Rate

Previously Owned Motorhomes (RVs)
Effective Date: Oct 1, 2025
Maximum loan amount not to exceed 70% of JD Power retail value or appraised value
Credit ScoreTermAPR
700-800 36 Months 6.250%
  48 Months 6.500%
  60 Months 6.750%
  72 Months 7.250%
  84 Months 7.750%
620-699 36 Months 6.750%
  48 Months 7.250%
  60 Months 7.500%
  72 Months 7.750%
  84 Months 8.250%
580-619 36 Months 8.250%
  48 Months 8.750%
  60 Months 9.000%
  72 Months 9.250%
  84 Months 9.500%
Balloon Minimum $15,000
700-800 3 Year Balloon 5.500%
  5 Year Balloon 6.000%
620-699 3 Year Balloon 6.000%
  5 Year Balloon 6.500%
580-619 3 Year Balloon 6.750%
  5 Year Balloon 7.000%
APR=Annual Percentage Rate

Member Signature Loans
Effective Date: Sept 1, 2025
TermCredit ScoreAPR
12-120 Months 700-800 9.500%
  620-699 10.500%
  580-619 11.500%

All Other Secured Loans
Effective Date: Oct 1, 2025
Credit ScoreTermAPR
700-800 36 Months 6.250%
  48 Months 6.750%
  60 Months 7.500%
  72 Months 7.750%
  84 Months 8.500%
620-699 36 Months 6.750%
  48 Months 7.500%
  60 Months 8.000%
  72 Months 9.000%
  84 Months 9.750%
580-619 36 Months 7.250%
  48 Months 7.750%
  60 Months 8.250%
  72 Months 9.750%
  84 Months 10.250%
APR=Annual Percentage Rate

Payback Pro
Effective Date: Oct 1, 2025
Payback Pro Loan - Fully Secured with home, vehicle, etc.
TypeTermAPR
Up to $9,999 96 Month AM 3 Year 6.500%
  5 Year 7.250%
  7 Year 8.500%
$10,000 to $39,999 180 Month AM 3 Year 7.250%
  5 Year 8.250%
  7 Year 9.250%
$40,000 to $50,000 240 Month AM 3 Year 7.500%
  5 Year 8.500%
  7 Year 9.500%
APR=Annual Percentage Rate

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