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Consumers Professional Credit Union

Loan Rates

New Car/Motorcycle/Truck/Classics/Auto-Up*
Effective Date: July 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

Used Car/Motorcycle/Truck/Classics/Auto-Up*
Effective Date: July 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: July 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 6.750%
  48 Months 7.000%
  60 Months 7.250%
  72 Months 7.500%
  84 Months 7.600%
580-619 36 Months 7.500%
  48 Months 8.000%
  60 Months 8.500%
  72 Months 8.750%
  84 Months 8.850%
APR=Annual Percentage Rate

Used Watercraft/Recreational
Effective Date: July 1, 2025
Excluding Motorhomes (RVs)
Credit ScoreTermAPR
700-800 36 Months 6.750%
  48 Months 7.000%
  60 Months 7.250%
  72 Months 7.500%
  84 Months 7.750%
620-699 36 Months 7.250%
  48 Months 7.750%
  60 Months 8.000%
  72 Months 8.250%
  84 Months 8.500%
580-619 36 Months 9.000%
  48 Months 9.500%
  60 Months 10.000%
  72 Months 10.500%
  84 Months 10.750%

APR=Annual Percentage Rate

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

2024-2025 New Motorhomes (RVs)
Effective Date: July 1, 2025
Finance up to 70% of the Purchase Price
Credit ScoreTermAPR
700-800 36 Months 6.500%
  48 Months 6.750%
  60 Months 7.000%
  72 Months 7.500%
  84 Months 8.000%
620-699 36 Months 7.000%
  48 Months 7.500%
  60 Months 7.750%
  72 Months 8.000%
  84 Months 8.500%
580-619 36 Months 8.500%
  48 Months 9.000%
  60 Months 9.250%
  72 Months 9.500%
  84 Months 9.750%
Balloon Minimum $15,000
700-800 3 Year Balloon 5.750%
  5 Year Balloon 6.250%
620-699 3 Year Balloon 6.250%
  5 Year Balloon 6.750%
580-619 3 Year Balloon 7.000%
  5 Year Balloon 7.250%
APR=Annual Percentage Rate

Previously Owned Motorhomes (RVs)
Effective Date: July 1, 2025
Maximum loan amount not to exceed 70% of JD Power retail value or appraised value
Credit ScoreTermAPR
700-800 36 Months 6.500%
  48 Months 6.750%
  60 Months 7.000%
  72 Months 7.500%
  84 Months 8.000%
620-699 36 Months 7.000%
  48 Months 7.500%
  60 Months 7.750%
  72 Months 8.000%
  84 Months 8.500%
580-619 36 Months 8.500%
  48 Months 9.000%
  60 Months 9.250%
  72 Months 9.500%
  84 Months 9.750%
Balloon Minimum $15,000
700-800 3 Year Balloon 5.750%
  5 Year Balloon 6.250%
620-699 3 Year Balloon 6.250%
  5 Year Balloon 6.750%
580-619 3 Year Balloon 7.000%
  5 Year Balloon 7.250%
APR=Annual Percentage Rate

Member Signature Loans
Effective Date: July 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: July 1, 2025
Credit ScoreTermAPR
700-800 36 Months 6.500%
  48 Months 7.000%
  60 Months 7.750%
  72 Months 8.000%
  84 Months 8.750%
620-699 36 Months 7.000%
  48 Months 7.750%
  60 Months 8.250%
  72 Months 9.250%
  84 Months 10.000%
580-619 36 Months 7.500%
  48 Months 8.000%
  60 Months 8.500%
  72 Months 10.000%
  84 Months 10.500%
APR=Annual Percentage Rate

Payback Pro
Effective Date: July 1, 2025
Payback Pro Loan - Fully Secured with home, vehicle, etc.
TypeTermAPR
Up to $9,999 96 Month AM 3 Year 6.750%
  5 Year 7.500%
  7 Year 8.750%
$10,000 to $39,999 180 Month AM 3 Year 7.500%
  5 Year 8.500%
  7 Year 9.500%
$40,000 to $50,000 240 Month AM 3 Year 7.750%
  5 Year 8.750%
  7 Year 9.750%
APR=Annual Percentage Rate

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