One of the biggest and best advantages of doing business with us is our commitment to keeping our loan rates extremely competitive, and our fees to a minimum. We are always working with your financial best interests in mind, and our rates are reflective of that fact. You can count on receiving our best offer, whenever you need to borrow.
Loan Rates
Rates effective as of December 1, 2023
Auto
Fixed rate
| Model Year/Term | APR |
|---|---|
| 2023-2022 up to 66 months | As low as 6.24% |
| 2021-2020 up to 66 months | As low as 6.24% |
| 2019-2017 up to 66 months | As low as 7.24% |
APRs shown are based on a $25,000 loan with a $130 application fee. Other rates and terms are available.
RV, Watercraft, Travel Trailers & Motorcycles
Fixed rate
| Loan Amount/Term | APR |
|---|---|
| $70,000-$100,000 / 120 Months | As low as 8.24% |
| $50,000-$69,999 / 120 months | As low as 7.99% |
| $50,000-$69,000 / 84 months | As low as 7.74% |
| $25,000-$49,999 / 72 months | As low as 7.49% |
| $20,000-$24,999 / 60 months | As low as 7.24% |
| $1,000-$19,999 / 12-48 months | As low as 6.99% |
Older models add .50% to the above rates.
Credit Builder Loan
| Term | APR |
|---|---|
| Up to 12 Months
Maximum $2000 |
8.50% (Variable Prime) |
Personal Loan
Fixed rate
| Loan Amount/Term | APR |
|---|---|
| $1,000-$2,499 / up to 24 months | As low as 9.99% |
| $2,500 – $4,999 / up to 36 months | As low as 9.99% |
| $5,000-$7,499 / up to 48 months | As low as 9.99% |
| $7,500+ / up to 60 months | As low as 9.99% |
Home Improvement Loan
Fixed rate
| Loan Amount/Term | APR |
|---|---|
| $1,000 – $15,000 / Up to 84 months | As low as 9.49% |
Debt Consolidation
| Loan Amount/Term | APR |
|---|---|
| $1,000-$2,499 / up to 24 Months | As low as 9.99% |
| $2,500 – $4,999 / up to 36 Months | As low as 9.99% |
| $5,000-$7,499 / up to 48 Months | As low as 9.99% |
| $7,500 and over / up to 60 Months | As low as 9.99% |
Continuing Education Loan
| Term | APR |
|---|---|
| Maximum Term 60 months | 11.50% (Variable Prime+3%) |
Stretch Pay Loan
| Loan Amount | APR |
|---|---|
| $1,000 Limit
($95 Annual Fee) |
18.00% |
Visa® Credit Cards
| Card Type | Credit Limit | APR |
|---|---|---|
| Rewards First Visa® Platinum Card
This APR will vary with the market based on the Prime Rate. Rate is calculated by adding 8.74% to the current Prime Rate. A guarantor may be necessary if you are under 21 and your annual income is less than $10,000. |
Up to $30,000 | As low as 17.24% |
| Visa® Platinum Card
This APR will vary with the market based on the Prime Rate. Rate is calculated by adding 5.74% to the current Prime Rate. A guarantor may be necessary if you are under 21 and your annual income is less than $10,000. |
Up to $30,000 | As low as 14.24% |
Home Equity Loans and Lines of Credit
We offer flexible rates and a variety of terms for this loan. Please contact us at 614-221-9376 option 2, visit us at one of our two branches or email us at Loans@educu.org.
| Loan to Value | APR |
|---|---|
| 80% or Less | As Low As 8.50% |
APR: Annual Percentage Rate
APY: Annual Percentage Yield
Rate, Terms and conditions subject to change without notice. Subject to credit approval. Rate may vary based on credit worthiness.