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Source: https://empeople.com/tools-resources/rates/
Read: 2026-10-22T16:21:55.000Z

New Auto/Motorcycle Loans | Model Year 2024 and Newer | New/Refinance
Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. 1
4.74% APR 1
4.99% APR 1
Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).
Rates shown are for model years 2022-2023 and include the All-In Member Pricing interest rate discount of up to 0.50% APR. 1 Rates for 2021 and older models may be higher.
4.89% APR 1
5.14% APR 1
Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Rates for model years 2021 and older may be higher.
General Secured | Motorhomes, ATVs, Boats
5.99% APR 1
6.24% APR 1
7.24% APR 1
10.24% APR 1
Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).
1 APR=Annual Percentage Rate. Interest rates determined by individual credit history. The “As Low As” rates based upon credit scoring criteria. Rates, terms, & conditions subject to change at any time. The rate listed indicates automatic payment made electronically (not using cash, coupon book or check mailed to credit union to repay your loan). Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).
Payment Saver Auto Loan | Model Year 2024 and Newer
5.49% APR 1
5.74% APR 1
Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).
6.125%
6.976%
6.375%
6.936%
6.625%
6.978%
6.875%
7.083%
6.625%
7.025%
6.250%
6.721%
1 APR = Annual Percentage Rates. Rates quoted are based on a purchase transaction with a loan-to-value of 70%, primary residence, and a credit score of 760 or higher. Actual rates may be higher depending on the loan amount, loan purpose, credit history or loan-to-value. All interest rates, APRs, and costs are indications only and are subject to change without notice. Contact your Empeople Loan Originator for more information.
2 Payments are only examples. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. Rates may vary based on loan size & geographical location. Loans with a loan to value greater than 80% may require private mortgage insurance, which will increase the monthly payment amount.
*Payment Examples Payments are based upon a purchase transaction with a loan-to-value of 70%, 1-unit primary residence, and a credit score of 760 or higher. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. Interest rates and payments may increase after consummation.
3/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate at the advertised APR for the first three years of the loan and may vary every year after the fixed period for a total of 360 payments (30-year term). Your rate will change every 12 months by no more than 2 percentage points up or down, never exceeding 6 percentage points above the initial rate and the lowest your rate can be is the initial rate. When the rate adjusts, your new rate will be based on the current index (the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System) plus a margin of 2.75% rounded to the nearest one-eighth as long as the total adjustment does not exceed the 2.00% adjustment cap. Example: For a $200,000 loan at 6.084% APR and discounted rate of 4.99%, the first 36 payments are $1,072.42, with 12 payments at $1,310.22 if the rate were to adjust to 6.99%, 12 payments at $1,562.11 if the rate were to adjust to 8.99%, 12 payments at $1,824.56 if the rate were to adjust to the cap of 10.99%. Example: For a $300,000 loan at 6.056% APR and discounted rate of 4.99%, the first 36 payments are $1,608.63, with 12 payments at $1,965.34 if the rate were to adjust to 6.99%, 12 payments at $2,243.16 if the rate were to adjust to 8.99%, 12 payments at $2,736.83 if the rate were to adjust to the cap of 10.99%.
5/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate at the advertised APR for the first five years of the loan and may vary every year after the fixed period for a total of 360 payments (30-year term). Your rate will change every 12 months by no more than 2 percentage points up or down, never exceeding 5 percentage points above the initial rate and the lowest your rate can be is the initial rate. When the rate adjusts, your new rate will be based on the current index (the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System) plus a margin of 2.75% rounded to the nearest one-eighth as long as the total adjustment does not exceed the 2.00% adjustment cap. Example: For a $200,000 loan at 5.963% APR and discounted rate of 5.125%, the first 60 payments are $1,088.97, with 12 payments at $1,315.05 if the rate were to adjust to 7.125%, 12 payments at $1,553.32 if the rate were to adjust to 9.125%, 12 payments at $1,675.34 if the rate were to adjust to the cap of 10.125%. Example: For a $300,000 loan at 5.935% APR and discounted rate of 5.125%, the first 60 payments are $1,633.46, with 12 payments at $19872.57 if the rate were to adjust to 7.125%, 12 payments at $2,329.97 if the rate were to adjust to 9.125%, 12 payments at $2,513.01 if the rate were to adjust to the cap of 10.125%.
7/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate at the advertised APR for the first seven years of the loan and may vary every year after the fixed period for a total of 360 payments (30-year term). Your rate will change every 12 months by no more than 2 percentage points up or down, never exceeding 5 percentage points above the initial rate and the lowest your rate can be is the initial rate. When the rate adjusts, your new rate will be based on the current index (the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System) plus a margin of 2.75% rounded to the nearest one-eighth as long as the total adjustment does not exceed the 2.00% adjustment cap. Example: For a $200,000 loan at 5.894% APR and discounted rate of 5.250%, the first 84 payments are $1,104.41, with 12 payments at $1,317.98 if the rate were to adjust to 7.250%, 12 payments at $1,541.77 if the rate were to adjust to 9.250%, 12 payments at $1,655.89 if the rate were to adjust to the cap of 10.250%. Example: For a $300,000 loan at 5.867% APR and discounted rate of 5.250%, the first 84 payments are $1,656.81, with 12 payments at $1976.97 if the rate were to adjust to 7.250%, 12 payments at $2,312.66 if the rate were to adjust to 9.250%, 12 payments at $2,483.84 if the rate were to adjust to the cap of 10.250%.
View all rates and disclosures > Equity LOC up to 80% CLTV 3
6.24% APR 1
Equity LOC up to 90% CLTV 3
6.49% APR 1
Easy Equity Loan up to 80% 3
6.49% APR 1
Easy Equity Loan up to 90% 3
6.74% APR 1
3 The APR for the Line of Credit is variable & may change after the account is opened. Max. rate is 18% APR. Fees for a Line of Credit include an application fee of $424 unless an initial draw is $10,000 or more & a balance of $5,000 is maintained for the first year; appraisal fees may apply & range from $250 - $500; some states may charge an Intangible or Mortgage Registration Tax. This cost varies depending on the state.
14.99% APR 1
17.99% APR 1
3.00% APR 1
3 Interest rates determined by individual credit history. The “As Low As” rates quoted here are for credit scores of 740+. Rates, terms, & conditions subject to change at any time. The rate listed indicates automatic payment made electronically (not using cash, coupon book or check mailed to credit union to repay your loan). Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).
15.49% APR 1
0.15% APY 1
0.15% Rate 3
1 APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings on account. Rate is accurate as of the last dividend declaration date.
0.25% APY 1
0.25% Rate 3
1 APY = Annual Percentage Yield. Rates may change after the account is opened. Rate is accurate as of last dividend declaration date. Fees may reduce earnings on the account.
0.15% APY 1
0.15% Rate 3
0.45% APY 1
0.45% Rate 3
0.15% APY 1
0.15% Rate 3
3.25% APY 1
3.20% Rate 3
1 APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Fees may reduce earnings on the account.
0.10% APY 1
0.10% Rate 3
2.85% APY 1
2.81% Rate 3
3.10% APY 1
3.06% Rate 3
4.00% APY 1
3.93% Rate 3
0.50% APY 1
0.50% Rate 3
1 APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings on account. Rate is accurate as of last dividend declaration date. Rates and terms subject to change without notice.
0.40% APY 1
0.40% Rate 3
1 APY=Annual Percentage Yield. Rates may change after account is opened. Fees may reduce earnings on account. Rate is accurate as of last dividend declaration date. Account opening deposit not required. No minimum balance required to earn advertised APY.
0.40% APY 1
0.40% Rate 3
0.45% APY 1
0.45% Rate 3
0.55% APY 1
0.55% Rate 3
1.40% APY 1
1.39% Rate 3
1.45% APY 1
1.44% Rate 3
1.50% APY 1
1.49% Rate 3
2.40% APY 1
2.37% Rate 3
2.90% APY 1
2.86% Rate 3
3.00% APY 1
2.96% Rate 3
0.40% APY 1
0.40% Rate 3
0.55% APY 1
0.55% Rate 3
0.65% APY 1
0.65% Rate 3
1.50% APY 1
1.49% Rate 3
1.55% APY 1
1.54% Rate 3
1.60% APY 1
1.59% Rate 3
3.00% APY 1
2.96% Rate 3
3.30% APY 1
3.25% Rate 3
3.40% APY 1
3.35% Rate 3
1 APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account.
3.75% APY 1
3.69% Rate 3
4.10% APY 1
4.03% Rate 3
4.30% APY 1
4.22% Rate 3
4.40% APY 1
4.31% Rate 3
4.25% APY 1
4.17% Rate 3
4.00% APY 1
3.93% Rate 3
3.75% APY 1
3.69% Rate 3
3.50% APY 1
3.45% Rate 3
1 APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account.