Loan Rates
Auto & Rec Loan Rate Special
As Low as 4.99% APR*
Up to 84 months with Direct Deposit or Automatic Payments
*APR = Annual Percentage Rate. Loan rate special as low as 5.24% APR for up to 84-month term for new autos and recreational vehicles, model year 2021 and newer, registered for use on public roads. Effective dates: 5/1/2026 - 7/6/2026; special applies to applications submitted and approved during those dates including non-purchase money. Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in a loan rate as low as 4.99% APR. Refinancing of existing KTVAECU® loans or business/commercial-vehicles do not qualify for the loan rate special. Rate subject to change without notice and based on creditworthiness. Auto and recreational vehicle loans for terms exceeding 84-months and collateral older than 2021 are available, but do not qualify for the loan rate special. Ask for details. Payment is for example purposes only: monthly payment of $141.32 per $10,000.00 for 84-month term at 4.99% APR.
| Term | APR | Payment Example | APR With Direct Deposit or Automatic Payments |
Payment Example |
|---|---|---|---|---|
| 24 Months | 5.24% | $439.83 | 4.99% | $438.71 |
| 36 Months | 5.24% | $300.83 | 4.99% | $299.70 |
| 60 Months | 5.24% | $189.85 | 4.99% | $188.70 |
| 84 Months | 5.24% | $142.50 | 4.99% | $141.32 |
| 96 Months | 5.74% | $130.19 | 5.49% | $128.98 |
| Federally Insured by NCUA. *APR = Annual Percentage Rate. Loan rate special as low as 5.24% APR for up to 84-month term for new autos and recreational vehicles, model year 2021 and newer, registered for use on public roads. Effective dates: 5/1/2026 - 7/6/2026; special applies to applications submitted and approved during those dates including non-purchase money. Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in a loan rate as low as 4.99% APR. Refinancing of existing KTVAECU® loans or business/commercial-vehicles do not qualify for the loan rate special. Rate subject to change without notice and based on creditworthiness. Auto and recreational vehicle loans for terms exceeding 84-months and collateral older than 2021 are available, but do not qualify for the loan rate special. Ask for details. Payment is for example purposes only: monthly payment of $141.32 per $10,000.00 for 84-month term at 4.99% APR. | ||||
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| Term | APR | Payment Example | APR With Direct Deposit or Automatic Payments |
Payment Example |
|---|---|---|---|---|
| 24 Months | 6.24% | $444.33 | 5.99% | $443.20 |
| 36 Months | 6.24% | $305.36 | 5.99% | $304.22 |
| 60 Months | 6.24% | $194.49 | 5.99% | $193.32 |
| 84 Months | 6.24% | $147.28 | 5.99% | $146.07 |
| Federally Insured by NCUA. *APR = Annual Percentage Rate. Loan rate special as low as 6.24% APR for up to 84-month term for used autos and recreational vehicles, model year 2017 through 2020, registered for use on public roads. Effective dates: 5/1/2026 - 7/6/2026; special applies to applications submitted and approved during those dates. Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in loan rate as low as 5.99% APR. Refinancing of existing KTVAECU® loans or business- / commercial- vehicles do not qualify for the loan rate special. Rate subject to change without notice and based on creditworthiness. Auto and recreational vehicle loans for terms exceeding 84-months, non-purchase money, and collateral older than 2017 are available, but do not qualify for the rate special. Rates increase by 1.00% for recreational vehicles over 100,000 miles. Ask for details. Payment is for example purposes only: monthly payment of $146.07 per $10,000.00 for 84-month term at 5.99% APR. | ||||
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| Term | APR | Payment Example | APR With Direct Deposit or Automatic Payments |
Payment Example |
|---|---|---|---|---|
| 24 Months | 5.24% | $439.83 | 4.99% | $438.71 |
| 36 Months | 5.24% | $300.83 | 4.99% | $299.70 |
| 60 Months | 5.24% | $189.85 | 4.99% | $188.70 |
| 84 Months | 5.24% | $142.50 | 4.99% | $141.32 |
| 96 Months | 5.74% | $130.19 | 5.49% | $128.98 |
| Federally Insured by NCUA. *APR = Annual Percentage Rate. Loan rate special as low as 5.24% APR for up to 84-month term for new autos and recreational vehicles, model year 2021 and newer, registered for use on public roads. Effective dates: 5/1/2026 - 7/6/2026; special applies to applications submitted and approved during those dates including non-purchase money. Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in a loan rate as low as 4.99% APR. Refinancing of existing KTVAECU® loans or business/commercial-vehicles do not qualify for the loan rate special. Rate subject to change without notice and based on creditworthiness. Auto and recreational vehicle loans for terms exceeding 84-months and collateral older than 2021 are available, but do not qualify for the loan rate special. Ask for details. Payment is for example purposes only: monthly payment of $141.32 per $10,000.00 for 84-month term at 4.99% APR. | ||||
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| Term | APR | Payment Example | APR With Direct Deposit or Automatic Payments |
Payment Example |
|---|---|---|---|---|
| 24 Months | 6.24% | $444.33 | 5.99% | $443.20 |
| 36 Months | 6.24% | $305.36 | 5.99% | $304.22 |
| 60 Months | 6.24% | $194.49 | 5.99% | $193.32 |
| 84 Months | 6.24% | $147.28 | 5.99% | $146.07 |
| Federally Insured by NCUA. *APR = Annual Percentage Rate. Loan rate special as low as 6.24% APR for up to 84-month term for used autos and recreational vehicles, model year 2017 through 2020, registered for use on public roads. Effective dates: 5/1/2026 - 7/6/2026; special applies to applications submitted and approved during those dates. Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in loan rate as low as 5.99% APR. Refinancing of existing KTVAECU® loans or business- / commercial- vehicles do not qualify for the loan rate special. Rate subject to change without notice and based on creditworthiness. Auto and recreational vehicle loans for terms exceeding 84-months, non-purchase money, and collateral older than 2017 are available, but do not qualify for the rate special. Rates increase by 1.00% for recreational vehicles over 100,000 miles. Ask for details. Payment is for example purposes only: monthly payment of $146.07 per $10,000.00 for 84-month term at 5.99% APR. | ||||
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| TYPE | TERM | RATES AS LOW AS* (APR) | Payment Example | Alert Me |
|---|---|---|---|---|
| Signature Loan Fixed Rate | 12 months | 7.99% | $80.06 | Receive a notification when this rate changes |
| Signature Loan Fixed Rate | 24 months | 9.99% | $44.13 | Receive a notification when this rate changes |
| Signature Loan Fixed Rate | 36 months | 11.99% | $32.17 | Receive a notification when this rate changes |
| Signature Loan Variable Rate | 60 months | 12.94% | $22.24 | Receive a notification when this rate changes |
| Share Secured Variable Rate | 12 months | 2.15% | $84.32 | Receive a notification when this rate changes |
| Share Secured Variable Rate | 24 months | 2.15% | $42.61 | Receive a notification when this rate changes |
| Secured Loan Variable Rate | 60 months | 9.69% | $206.69 | Receive a notification when this rate changes |
| Credit Builder Loan Variable Rate | 12 months | 2.15% | $84.32 | Receive a notification when this rate changes |
| Credit Builder Loan Variable Rate | 24 months | 2.15% | $42.61 | Receive a notification when this rate changes |
| Credit Builder Loan Variable Rate | 36 months | 2.15% | $28.71 | Receive a notification when this rate changes |
| Signature Loan Fixed Rate: APR = Annual Percentage Rate. Some restrictions may apply. Published rates are the lowest rates available for each loan type. Your rate may vary, based on creditworthiness, amount financed, and loan terms. Ask for details. Payment per $1,000.00 is for example purposes. Signature Loan Variable Rate: APR = Annual Percentage Rate. Some restrictions may apply. Published rates are the lowest rates available for each loan type. Your rate may vary, based on creditworthiness, amount financed, and loan terms. Ask for details. The APR may increase or decrease during the term of the loan based on changes in an interest rate index. The index is the 24-month certificate account rate paid by the CU on the last day of the previous calendar quarter plus a spread determined internally by the Credit Union. Any increase in APR will result in more payments. Rate subject to change. Rate can change after consummation. Payment per $1,000.00 is for example purposes. Share Secured Loan: APR = Annual Percentage Rate. The APR may increase or decrease during the term of this loan based on the changes in an interest rate index. The index is the dividend rate or current earnings rate paid on the account on the date of the advance plus 2.00%, up to the maximum APR of 18.00% or the maximum rate allowed by the law. Any increase in APR will result in more payments. Rate subject to change. Rate can change after consummation. Payment per $1,000.00 is for example purposes. Secured Loan Variable Rate: APR = Annual Percentage Rate. Some restrictions may apply. Published rates are the lowest rates available for each loan type. Rate may vary, based on creditworthiness, amount financed, loan terms, and collateral. Ask for details. The APR may increase or decrease during the term of the loan based on changes in an interest rate index. The index is the 24-month certificate account rate paid by the Credit Union on the last day of the previous calendar quarter, plus a spread determined internally by the Credit Union. Any increase in APR will result in more payments. Rate subject to change. Rate can change after consummation. Payment per $10,000.00 is for example purposes. Credit Builder Loan: APR = Annual Percentage Rate. Credit scores are determined by multiple factors, and KTVAECU does not guarantee a credit score increase and is not accountable for a credit score decrease. Terms up to 36 months. Minimum payment $25.00 per month. Rates subject to change. Rate can change after consummation. Membership must be 90 days or older to qualify. Some restrictions may apply. Ask for details. Payment example for Members Special Account: 36 monthly payments at 2.15% APR is $28.71 monthly payment per $1,000.00 borrowed. |
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