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Personal Loan Ratesachieving more together

Get a great, low personal loan rate with Prospera CU for a car, home, dream vacation, education, and more!

See today’s loan rates below and apply online anytime.

Car, Truck, Motorcycle, RV, and Boat Loan Rates

Apply for a Vehicle Loan
LOAN TYPE APR1 (as low as) PAYMENT PER $1000.00 TERM
LOAN TYPE: 2016- newerAPR1 (as low as): 3.24%PAYMENT PER $1000.00: $15.31TERM: 6 year
LOAN TYPE: 2013-2015 APR1 (as low as): 3.24%PAYMENT PER $1000.00: $18.08TERM: 5 year
LOAN TYPE: 2010-2012APR1 (as low as): 4.65%PAYMENT PER $1000.00: $22.88TERM: 4 year
LOAN TYPE: 2009-olderAPR1 (as low as): 6.24%PAYMENT PER $1000.00: $30.54TERM: 3 year

1APR = Annual Percentage Rate
For informational purposes only. Not intended for advertisement of credit. Rates based on your account relationship and credit score.

Rates as of 12/04/2019 at 9:42 AM. Subject to change without notice.

ATV, Jetski, Snowmobile and Off Road Rates

Apply for an Off Road Loan
LOAN TYPE APR1 (as low as) PAYMENT PER $1000.00 TERM
LOAN TYPE: 2014- newerAPR1 (as low as): 3.74%PAYMENT PER $1000.00: $18.31TERM: 5 year
LOAN TYPE: 2010-2013 APR1 (as low as): 4.74%PAYMENT PER $1000.00: $22.92TERM: 4 year
LOAN TYPE: 2009-olderAPR1 (as low as): 6.24%PAYMENT PER $1000.00: $30.54TERM: 3 year

1APR = Annual Percentage Rate
For informational purposes only. Not intended for advertisement of credit. Rates based on your account relationship and credit score.

Rates as of 12/04/2019 at 9:43 AM. Subject to change without notice.

Home Equity Loan Rates

Apply For a Home Equity Loan
LOAN TYPE APR1 (as low as) PAYMENT PER $1000 TERM
LOAN TYPE: 80% LTV or less2APR1 (as low as): 3.25%PAYMENT PER $1000: $18.09TERM: 5 year
LOAN TYPE: 80% LTV or less2APR1 (as low as): 4.233%PAYMENT PER $1000: $18.31TERM: 5/ARM2

1APR = Annual Percentage Rate
280% LTV or less rate is variable to prime monthly as published in Wall Street Journal.
Payment is 1% of the outstanding balance as of last advance.
For informational purposes only. Not intended for advertisement of credit. Rates based on your account relationship and credit score.

Rates as of 12/04/2019 at 9:43 AM. Subject to change without notice.

Home Equity Line of Credit Rates

Apply For Home Equity Line of Credit
LOAN TYPE APR1 (as low as ) TERM
LOAN TYPE: 80% LTV or less2APR1 (as low as ): 4.75%TERM: NA
LOAN TYPE: 80% LTV or less2APR1 (as low as ): 4.40%TERM: 5 year

1APR = Annual Percentage Rate
2Payments based on 20 year amortization.
$50 Minimum Payment
For informational purposes only. Not intended for advertisement of credit. Rates based on your account relationship and credit score.

Rates as of 12/04/2019 at 9:44 AM. Subject to change without notice.

Homeowner Multipurpose Loan

Apply for a Homeowner M/P Loan
LOAN TYPE APR1 (as low as) PAYMENT PER $1000.00 TERM
LOAN TYPE: Installment (Lump Sum)APR1 (as low as): 7.24%2PAYMENT PER $1000.00: $15.22TERM: Up to 84 Months3
LOAN TYPE: Personal Line of Credit3APR1 (as low as): 6.75%2PAYMENT PER $1000.00: Payment is 1.5% of outstanding balanceTERM: Variable Line of Credit3

1APR = Annual Percentage Rate
2Rate is Prime plus 2%.
3Term is based on loan amount.
For informational purposes only. Not intended for advertisement of credit. Rates based on your account relationship and credit score.

Rates as of 12/04/2019 at 9:44 AM. Subject to change without notice.

Personal Loan Rates

Apply for a Personal Loan
LOAN TYPE APR¹ (as low as) PAYMENT PER $1000.00 TERM
LOAN TYPE: HolidayAPR¹ (as low as): 7.99%PAYMENT PER $1000.00: $31.33TERM: 3 year
LOAN TYPE: Share SecuredAPR¹ (as low as): 6.50%PAYMENT PER $1000.00: $44.55TERM: 2 year
LOAN TYPE: Kwik Cash Line of CreditAPR¹ (as low as): 10.65%²PAYMENT PER $1000.00: Payment is 2% of outstanding balance or $10; whichever is greaterTERM: Variable Line of Credit

¹APR = Annual Percentage Rate
²Rate is prime plus 5.90% as published in the Wall Street Journal.
For informational purposes only. Not intended for advertisement of credit. Rates based on your account relationship and credit score.

Rates as of 12/04/2019 at 9:44 AM. Subject to change without notice.

Credit Card Rates & Disclosures

Choose Card and Apply
Platinum Rewards Special Intro Rate
Purchases APR¹Platinum: 10.40% to 18.40%²Rewards: 12.40% - 20.40%²Special Intro Rate : 3.99%³
Balance Transfers APR¹Platinum: 10.40% to 18.40%²Rewards: 12.40% - 20.40%²Special Intro Rate : 1.99%4
Cash Advance APR¹Platinum: 10.40% to 18.40%²Rewards: 12.40% - 20.40%²Special Intro Rate : 3.99%³
TERMPlatinum: RevolvingRewards: RevolvingSpecial Intro Rate :

1APR = Annual Percentage Rate
2Based on creditworthiness. APR will vary with market-based on the Prime Rate
3For first 12 months from opening account.
4For first 12 months from opening account. Balance transfers from another Prospera card do not qualify.
For informational purposes only. Not intended for advertisement of credit. Rates based on your account relationship and credit score. Review Full Credit Card Agreement.

Rates as of 12/04/2019 at 9:45 AM. Subject to change without notice.

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All Prospera loans come with:

  • Competitive Rates
  • Free 24-hour online, mobile and telephone account access, eStatements, Text Banking, and eAlerts
  • Optional payment protection if you become sick or injured
Apply for a Personal Loan

Not a member? The loan application will guide you through the process.