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Loan Rates

Auto Loan Rates

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Collateral Minimum Loan Maximum Term Rate APR* As Low As
2023 - 2025 N/A 84 Months Fixed 7.99%
2022 - 2025 N/A 75 Months Fixed 7.24%
2019 - 2025 N/A 66 Months Fixed 6.99%
2018 - 2025 N/A 48 Months Fixed 6.59%
2016 - 2017 N/A 48 Months Fixed 7.24%

Membership at ProFed is required. *The annual percentage rate (APR) listed are our best rates. Your rate may vary depending on your credit score. Auto Loan Rate Payment Example: Auto - 84 months @ 7.99% your payment will be roughly $15.63 per $1,000 borrowed. Auto - 66 months @ 6.99% your payment will be roughly $18.35 monthly per $1,000 borrowed. Click here to visit our Loan Payment Calculator to determine a monthly payment that works for you

Recreational Loan Rates

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Loan Product Collateral Minimum Loan Maximum Term Rate APR* as low as
RVs 2018 - 2025 $40,000 120 Months Fixed 7.39%
RVs 2018 - 2025 N/A 60 Months Fixed 6.74%
Boats 2018 - 2025 $20,000 84 Months Fixed 7.24%
Boats 2018 - 2025 N/A 60 Months Fixed 6.74%
Motorcycles, ATV's, Personal Watercrafts 2021 - 2025 N/A 60 Months Fixed 6.99%
Miscellaneous Secured   N/A 48 Months Fixed 7.49%

Membership at ProFed is required. *The annual percentage rate (APR) listed are our best rates. Your rate may vary depending on your credit score. Payment Example: Recreational - 60 months @ 6.74% your payment will be roughly $19.74 monthly per $1,000 borrowed. Click here to visit our Loan Payment Calculator to determine a monthly payment that works for you

Pledge Loan Rates

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Loan Product Collateral Minimum Loan Maximum Term Rate APR* as low as
Certificate Pledge Certificate N/A Cert Maturity Fixed Cert Rate + 2.00%
Share Pledge Share Hold $1,000 48 Months Fixed Deposit Rate + 2.00%
Pledge Loans are NOT risk based priced

Membership at ProFed is required. *The annual percentage rate (APR) listed are our best rates. Your rate may vary depending on your credit score. Payment Example: Pledge - 48 months @ 2.05% your payment will be roughly $21.72 monthly per $1,000 borrowed. Click here to visit our Loan Payment Calculator to determine a monthly payment that works for you

Personal Loan Rates

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Loan Product Collateral Minimum Loan Maximum Term Rate APR* as low as
Personal Unsecured  N/A N/A 48 Months Fixed 10.99%
Variable Rate Personal Unsecured  N/A N/A 48 Months Variable Prime +2.00% 9.75%
Prime Line N/A N/A 60 Months Variable Prime +2.00% 9.75%
90 Day Single Pay Notes - Rate follows collateral being held

Membership at ProFed is required. *The annual percentage rate (APR) listed are our best rates. Your rate may vary depending on your credit score. As of 11/08/24, Consumer Loan Prime Rate is 7.75. Payment Example: Personal - 48 months @ 10.99% your payment will be roughly $25.85 monthly per $1,000 borrowed. Click here to visit our Loan Payment Calculator to determine a monthly payment that works for you

Home Loan Rates

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Loan Product Maximum Loan to Value (LTV) Minimum Loan Term Rate as low as APR* as low as
Conventional Mortgage Up to 100% LTV No Minimum 10, 15, 20, 30 Year - Fixed Rate Click here for current rates
First-Time Homebuyer Up to 97% LTV No Minimum Up to 30 years - Fixed Rate Click here for current rates
USDA Loan Up to 100% LTV, 101% with Guarantee USDA Fee No Minimum 30-year Fixed Term Contact us for current rates
ARM Loan Up to 100% LTV No Minimum 5/1 & 7/1 - Variable Rate Click here for current rates
Construction Loan Up to 95% LTV No Minimum Flexible Terms - Fixed Rate Click here for current rates
Land Loan Up to 75% LTV No Minimum 15-year Fixed Contact us for current rates
Rapid Refi Up to 80% LTV No Minimum Up to 180 Months - Fixed Rate Click here for current rates
Renovation Loan Up to 97% LTV No Minimum Up to 30-year Fixed Rate Contact us for current rates
Home Equity Loan Up to 85% LTV $10,000 12 - 120 Months - Fixed Rate 7.490% 7.490%**
Home Equity Loan Up to 85% LTV $25,000 121 - 180 Months - Fixed Rate 7.740% 7.740%***
Home Equity Line of Credit Up to 80% LTV $10,000 120 Months - Variable Rate 7.750% 7.750%****

Membership at ProFed is required. *The annual percentage rate (APR) listed are our best rates. Your rate may vary depending on your credit score. **Annual Percentage Rate is based on a loan amount of $10,000 and a term of 120 months. ***Annual Percentage Rate is based on a loan amount of $25,000 and a term of 180 months. ****The Rate for the Home Equity Line of Credit is based on prime (index), as published in the Wall Street Journal on the last day of the month, plus a margin. The Annual Percentage Rate is based on a $10,000 line of credit.

Credit Card Rates

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Loan Product Rate APR* As Low As
Visa Rewards Variable Visa Prime +5.74% 14.24%
Visa Platinum Variable Visa Prime +4.74% 13.24%
Membership at ProFed is required. *The annual percentage rate (APR) listed are our best rates. As of 10/01/23, Credit Card Prime Rate is 8.50. Your rate may vary depending on your credit score. Rewards are paid to your primary savings account in $25.00 increments at the end of each month. Balance transfers, PIN transactions and cash advances do not qualify as purchases for purposes of earning rewards.