Vehicle Loan Rates
Rates effective 10/30/2025
| Vehicle Loans | New APR* | Used/Refinance APR* |
|---|---|---|
| 37 – 48 months | 5.24% | 5.74% |
| 49 – 60 months | 5.49% | 5.99% |
| 61 – 72 months | 5.74% | 6.24% |
| 73 – 84 months | 6.24% | 6.74% |
Max 135% LTV based on MSRP or JD Power Retail (including Tax, License, Delivery, GAP, and MBI).
| RVs, Boats, & Trailers | New APR* | Used APR* |
|---|---|---|
| 0 – 36 months | 6.24% | 7.24% |
| 37 – 48 months | 7.49% | 8.49% |
| 49 – 60 months | 8.24% | 9.24% |
| 61 – 84 months | 9.49% | 10.49% |
| 85 – 120 months | 10.74% | 11.74% |
| 121 – 144 months | 10.74% | 11.74% |
| 145 – 180 months | 11.99% | 12.99% |
LTV based on MSRP, RBBV, or NADA Retail (including Tax, License, Delivery, GAP, and MBI).
| Motorcycle, UTV, Powersports | New APR* | Used APR* |
|---|---|---|
| 0 – 36 months | 5.74% | 5.99% |
| 37 – 48 months | 6.74% | 6.99% |
| 49 – 60 months | 6.99% | 7.24% |
| 61 – 72 months | 7.49% | 7.74% |
| 73 – 84 months | 7.99% | 8.24% |
New: Max LTV 130% of purchase price, tax, license. Used: Max LTV 130% of purchase price, tax, license or JD Power Retail, whichever is less.
Personal Loan & Line of Credit Rates
Rates effective 12/02/2024
| Personal Loan | APR* As Low As | To | Term (and/or Maximum Loan Amount) |
|---|---|---|---|
| Minimum Loan Amount of $500. $50 Minimum Payment. | 9.74% | 17.99% | Up to 60 months. $30,000 maximum. |
| Line of Credit (LOC) | APR* As Low As | To | Term (and/or Maximum Loan Amount) |
|---|---|---|---|
| Minimum loan amount of $500. | 11.99% | 17.99% | Up to 60 months. $30,000 maximum. |
| Deposit Secured | ||
|---|---|---|
| Shared Savings Secured Loan – 100% of available funds. | Earning rate+ 2.05% | |
Visa® Credit Card Rates
| VISA® Credit Card | APR* As Low As | To | Term (and/or Maximum Loan Amount) |
|---|---|---|---|
 | 9.99% | 17.99% | $30,000 maximum. |
No annual fees, minimum finance charges, or transaction fees for purchases. A 3% fee applies to balance transfers and cash advances.
*APR = Annual Percentage Rate.
Grace period for repayment of balance for purchases. 25 days on average to repay your balance for purchases before a finance charge will be imposed.
Balance computation method for purchases. Average daily balance including new purchases.
$25 transaction fee for paying late if not received within 10 days after the due date.
The information about the cost of the Visa credit cards above is accurate as of 11/07/2024. This information may have changed after that date.
All loans are subject to credit approval. Loan rates, terms, and conditions are subject to change without notice. Your actual loan rate may vary from the rates shown, and will be based on an evaluation of your credit profile.
Mortgage Rates
Edwards Federal Credit Union has partnered with OceanAir Federal Credit Union to bring you flexible, affordable mortgage loan options. Together, we’re making homeownership more accessible than ever.
For today’s rates and to start your application, click below.
Home Equity Line of Credit
10-year draw period with interest-only payments, followed by a 15-year repayment period of principal and interest
| Combined Loan to Value | Current Variable Rates as low as: | Margin |
|---|---|---|
| Up to 80% | 6.75% | 0% |
| 80.01%-85% | 7.00% | .25% |
| 85.01-90% | 7.25% | .50% |
Home Equity
Close-end, Second Mortgage, Combined Loan to Value up to 90%
| Combined Loan to Value | Term | Fixed APR* as Low As |
|---|---|---|
| Up to 80% | 5-Year Amortization | 6.74% |
| 80.01%-85% | 10-Year Amortization | 7.49% |
| 85.01-90% | 15-Year Amortization | 8.24% |
Monthly payment examples:
$25,000 at 6.24% for 5 years is $491.97 per month.
$25,000 at 7.49% for 10 years is $296.62 per month.
$25,000 at 8.24% for 15 years is $242.39 per month.
Your rate and payment may be different.
All loans are subject to credit approval. Loan rates, terms and conditions are subject to change without notice.
Your actual loan rate may vary from the rates shown, and will be based on an evaluation of your credit profile.
*APR means Annual Percentage Rate. APRs listed are our best rates based upon creditworthiness and the disclosed combined loan-to-value (CLTV); applicant’s rate may be higher depending on credit rating and LTV, and other underwriting factors. Applicant to pay all fees on fixed-rate second mortgages. APRs are calculated using a $25,000 loan amount and monthly repayment schedule. Minimum credit limit/loan amount is $25,000; maximum is $300,000. Mortgage rates listed apply only in certain conditions. Loan rates depend on several factors/assumptions. A loan’s final rate will depend on financial market conditions, specific characteristics of the loan transaction and applicant’s credit profile up to the time of closing. Home Equity Loans are available in CA.