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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.

Switch to: Checking & Savings Rates

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: 2021 - newerAPR1 (as low as): 5.99%PAYMENT PER $1000.00: $30.42TERM: 3 year
LOAN TYPE: 2021 - newerAPR1 (as low as): 5.99%PAYMENT PER $1000.00: $23.48TERM: 4 year
LOAN TYPE: 2021 - newerAPR1 (as low as): 5.99%PAYMENT PER $1000.00: $19.33TERM: 5 year
LOAN TYPE: 2021 - newerAPR1 (as low as): 5.99%PAYMENT PER $1000.00: $16.57TERM: 6 year
LOAN TYPE: 2018 - 2020APR1 (as low as): 6.24%PAYMENT PER $1000.00: $23.60TERM: 4 year
LOAN TYPE: 2018 - 2020APR1 (as low as): 6.24%PAYMENT PER $1000.00: $19.45TERM: 5 year
LOAN TYPE: 2015 - 2017APR1 (as low as): 7.50%PAYMENT PER $1000.00: $24.18TERM: 4 year
LOAN TYPE: 2014 - olderAPR1 (as low as): 8.50%PAYMENT PER $1000.00: $31.57TERM: 3 year

1APR = Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle, and terms of the loan. Your rate can be higher or lower depending on credit performance and account relationship. Financing up to the retail value of the auto is available. Rate subject to change without notice. Auto loans currently financed through the credit union cannot be refinanced with this offer.

Payment calculation based on principal, interest and loan protection coverage. Active Checking: checking account must be active with a minimum of 10 transactions per month. Automatic transfers to another Prospera account or loan are not considered in the transactions per month.

Applicable to new money loans of not less than $5,000. Valid on auto, boat and recreational vehicles only; does not apply to credit cards, unsecured signature loans, business loans, mortgage or home equity loans. Certain restrictions apply.

Rates as of 12/02/2024 at 8:21 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: 2019 - newerAPR1 (as low as): 8.24%PAYMENT PER $1000.00: $20.40TERM: 5 year
LOAN TYPE: 2015 - 2018 APR1 (as low as): 9.24%PAYMENT PER $1000.00: $25.01TERM: 4 year
LOAN TYPE: 2014 - olderAPR1 (as low as): 10.74%PAYMENT PER $1000.00: $32.63TERM: 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 12/02/2024 at 8:20 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): 6.25%PAYMENT PER $1000: $19.46TERM: 5 year
LOAN TYPE: 80% LTV or less2APR1 (as low as): 7.574%PAYMENT PER $1000: $20.08TERM: 5/ARM2
LOAN TYPE: 80% LTV or less 3APR1 (as low as): 6.50%PAYMENT PER $1000: $11.36TERM: 10 year
LOAN TYPE: 80% LTV or less3APR1 (as low as): 7.24%PAYMENT PER $1000: $9.13 TERM: 15 year
LOAN TYPE: Up to 90% LTV APR1 (as low as): 7.75%PAYMENT PER $1000: $20.16TERM: 5 year
LOAN TYPE: Up to 100% LTV APR1 (as low as): 10.74%PAYMENT PER $1000: $21.62TERM: 5 year

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.

3 New money minimum $20,000.

Closing costs may vary.

Rates as of 12/02/2024 at 8:31 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 lessAPR1 (as low as ): 7.49%TERM: 12 month Fixed Intro Rate2
LOAN TYPE: APR1 (as low as ): 7.75%TERM: Then variable rate as low as 2
LOAN TYPE: 80% LTV or lessAPR1 (as low as ): 7.49%TERM: 5 year Intro Rate3
LOAN TYPE: APR1 (as low as ): 7.75%TERM: Then Variable rate as low as3
LOAN TYPE: Up to 90% LTVAPR1 (as low as ): 9.75%TERM: Variable rate as low as 4
LOAN TYPE: Up to 100% LTV or lessAPR1 (as low as ): 12.75%TERM: Variable rate as low as 5

1APR = Annual Percentage Rate

2After the 12 month introductory period, the rate is indexed to The Wall Street Journal Prime. APR is subject to change monthly but cannot exceed 18%. During the introductory and 10 year draw period, the minimum monthly payment will be (a) $50 or (b) the accrued interest on the outstanding balance under the agreement as of the close of the billing cycle, whichever is greater.

3After 5 year introductory period, the rate is indexed to The Wall Street Journal Prime. APR is subject to change monthly but cannot exceed 18% and never falls below 4%. During the introductory period, the minimum monthly payment will be (a) $50 or (b) 1%outstanding balance under the agreement as of the close of the billing cycle, whichever is greater.

For informational purposes only. Not intended for advertisement of credit. Rates based on your account relationship and credit score.

4The rate is indexed to The Wall Street Journal Prime. APR is subject to change monthly but cannot exceed 18% and never falls below 5%. Minimum monthly payment will be (a) $50 or (b) 1.5% outstanding balance under the agreement as of the close of the billing cycle, whichever is greater.

5The rate is indexed to The Wall Street Journal Prime. APR is subject to change monthly but cannot exceed 18% and never falls below 8%. Minimum monthly payment will be (a) $50 or (b) 1.5% outstanding balance under the agreement as of the close of the billing cycle, whichever is greater.

Closing costs may vary.

Rates as of 12/02/2024 at 8:22 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): 9.95%PAYMENT PER $1000.00: $14.76TERM: Up to 100 Months3
LOAN TYPE: Personal Line of Credit3APR1 (as low as): 11.75%2PAYMENT PER $1000.00: Payment is 1.5% of outstanding balanceTERM: Variable Line of Credit3

1APR = Annual Percentage Rate
2Rate is Prime plus 4%.
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 12/02/2024 at 8:30 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: Holiday LoanAPR¹ (as low as): 10.49%PAYMENT PER $1000.00: $32.51TERM: 3 year
LOAN TYPE: Share SecuredAPR¹ (as low as): 6.75%PAYMENT PER $1000.00: $44.66TERM: 2 year
LOAN TYPE: Kwik Cash Line of CreditAPR¹ (as low as): 13.65%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 12/02/2024 at 8:29 AM. Subject to change without notice.

Credit Card Rates & Disclosures

Choose Card and Apply
Platinum Rewards Special Intro Rate
Purchases APR¹Platinum: 13.40% to 21.40%²Rewards: 15.40%-23.40%²Special Intro Rate : 5.99%³
Balance Transfers APR¹Platinum: 13.40% to 21.40%²Rewards: 15.40%-23.40%²Special Intro Rate : 3.99%4
Cash Advance APR¹Platinum: 13.40% to 21.40%²Rewards: 15.40%-23.40%²Special Intro Rate : 5.99%³
TERMPlatinum: RevolvingRewards: RevolvingSpecial Intro Rate :

Looking for a business credit card? Click here for more information

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.

Rates as of 12/02/2024 at 9:31 AM. Subject to change without notice.