Explore Products Go to main content SIGN IN RATES LOAN RATES DEPOSIT RATES MORTGAGE RATES Loan Rates Print-Friendly Version New & Used Vehicles1 Effective Date: November 25, 2021 Terms APR Range* Est. Payment/ $1,000 borrowed New & Used Autos 36 Months 1.49% - 19.99% $28.43 - $37.34 48 to 60 Months (Dependent on amount financed) 2.24% - 19.99% $17.65 - $26.70 72 Months (Dependent on amount financed) 2.74% - 19.99% $15.09 - $24.14 84 Months (new only) (Dependent on amount financed) 3.99% - 5.24% $13.69 - $14.28 New & Used RV (Up to 80% Financing) Up to 120 Months (Dependent on amount financed) 10.74% - 17.74% $21.62 - $25.27 New Motorcycle 2017 - 2019 (Up to 80% financing) Up to 72 Months (Dependent on amount financed) 9.99% - 12.74% $25.37 - $19.95 Used Motorcycle 2014 - 2019 (Up to 80% financing) Up to 72 Months (Dependent on amount financed) 10.24% - 13.24% $25.49 - $20.21 Smart Start Auto Loan Effective Date: November 25, 2021 Terms APR Range Est. Payment/$1,000 borrowed* Smart Start New & Used Auto Up to 60 Months (Dependent on amount financed) 7.74% $20.22 72 Months (Dependent on amount financed) 8.24% $17.71 Visa® Credit Card2 Effective Date: November 25, 2021 Variable APR Range* Estimated Payment 9.99% - 24.99% 3% of Balance ($25 Minimum) Share-Secured VISA® Credit Card2 Effective Date: November 25, 2021 APR* Estimated Payment 17.99% 3% of Balance ($25 Minimum) Unsecured Loans Effective Date: November 25, 2021 Type APR Range* Est. Payment/ $1,000 borrowed Line of Credit or Overdraft Protection 13.99% - 22.99% 2% of Balance ($35 Minimum) Signature Loan (Up to 60 mo.) 11.99% - 21.99% $22.36 - $27.87 Hometown Hero Equipment Loan5 10.99% $88.79 Home Equity Line of Credit3 Effective Date: November 25, 2021 Program APR Range* Term Est. Payment/$1,000 borrowed† Variable rate based on prime rate plus margin - Primary Residence 70% CLTV - Up to $500K 4.00% - 5.25% 240 Months $6.07 - $6.75 80% CLTV - Up to $250K 4.25% - 5.75% 240 Months $6.20 - $7.03 Home Equity Loan4 Effective Date: November 25, 2021 Program APR Range* Term Est. Payment/$1,000 borrowed† Fixed Rate - Primary Residence 70% CLTV - Up to $500K 5.25% - 6.75% Up to 120 Months $10.74 - $11.49 70% CLTV - Up to $500K 6.00% - 7.50% Up to 240 Months $7.17 - $8.07 80% CLTV - Up to $250K 5.75% - 7.25% Up to 120 Months $10.99 - $11.75 80% CLTV - Up to $250K 6.50% - 8.00% Up to 240 Months $7.47 - $8.38 Hometown Hero Equipment Loan5 Effective Date: November 25, 2021 Name APR Range* Est. Payment/$1,000 borrowed* Hometown Hero Equipment Loan 10.99% $88.79 Important Terms and Conditions *All rates and terms are subject to change without notice. Rates listed are APR=Annual Percentage Rates and our current lowest rates based on approved credit. Borrower’s actual rate may be different based on terms and conditions, credit history and ability to repay. 1 Auto Loans All auto loan rates include all available discounts including .25% discount for automatic transfer from an Arrowhead account. Some restrictions apply. A New Auto is a vehicle ranging from 2020-2022 (less than 5,000 miles), with financing of up to 100% Kelley Blue Book available. A Used Auto is a vehicle ranging from 2015-2022 (max mileage 150,000), financing up to 120% Kelley Blue Book available. Loan subject to credit approval. Not all members will qualify. Some financing exceptions made for vehicles not listed in current Kelley Blue Book. Current Arrowhead loans are not eligible for refinancing under these rates and terms. Depending on the loan-to-value, no down payment required. No other promotional discounts apply. Payment example: a 60 month loan at 2.24% APR would have monthly payments of $17.65 per $1,000 borrowed. 2 Credit Card APR=Annual Percentage Rate. Best rate is for top tier credit. Subject to approval. Rates may change at any time without notice. APR will vary with the market based on the Prime Index. Click here for Terms & Conditions. 3 Home Equity Line of Credit Home equity lines of credit require an appraisal. Terms and rate contingent upon home’s appraised value. We will loan up to 80% combined loan to value (CLTV). No down payment required. Equity determined by the amount your home is worth minus the amount owed on the property. Example: home worth $100,000 multiply by 80% loan to value equals $80,000 minus $40,000 owed, equals $40,000 equity available. You can borrow up to 80% of homes value less what you owe. Property insurance is required. The Home Equity Line of Credit is an open-ended credit line with a variable rate based on the Wall Street Journal (WSJ) prime rate plus a margin based on credit qualifications or based on your creditworthiness. Minimum rate of 4.00% and annual fee of $60. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Up to 20 year terms. Max rate of 18%. 4 Home Equity Loan Home equity loans require an appraisal. Terms and rate contingent upon home’s appraised value. We will loan up to 80% loan to value (CLTV). No down payment required. Equity determined by the amount your home is worth minus the amount owed on the property. Example: home worth $100,000 multiply by 80% loan to value equals $80,000 minus $40,000 owed, equals $40,0000 equity available. Property insurance is required. The Home Equity Loan is a fixed rate and closed-end term with no annual fee. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Up to 20 year terms for home equity loans. 5 Hometown Hero Equipment Loan Requires badge or military ID and direct deposit into a Hometown Hero checking account. 12-month term with a rate of 10.99% APR*. Rates and terms are subject to change at anytime. Estimated monthly payment of $88.38 per $1,000 borrowed. Maximum loan of $1,000. No credit qualifying. †Lowest payment factor based on lowest rate and highest payment factor based on highest rate. Deposit Rates Print-Friendly Version Share Certificates Effective Date: November 25, 2021 Term APY* Minimum Deposit 6† Month 0.25% $1,000 - $99,999 6† Month 0.30% $100,000 12 Month 0.30% $1,000 - $99,999 12 Month 0.35% $100,000 24 Month 0.45% $1,000 - $99,999 24 Month 0.50% $100,000 36 Month 0.60% $1,000 - $99,999 36 Month 0.65% $100,000 48 Month 0.95% $1,000 - $99,999 48 Month 1.00% $100,000 60 Month 1.30% $1,000 - $99,999 60 Month 1.35% $100,000 IRA Certificates Effective Date: November 25, 2021 Term APY* Minimum Deposit 12 Months .35% $1,000 - $99,999 12 Months .40% $100,000 24 Months .50% $1,000 - $99,999 24 Months .55% $100,000 36 Months .65% $1,000 - $99,999 36 Months .70% $100,000 48 Months 1.00% $1,000 - $99,999 48 Months 1.05% $100,000 60 Months 1.35% $1,000 - $99,999 60 Months 1.40% $100,000 Arrowhead Savings Effective Date: November 25, 2021 Minimum to open is $25. Dividend paid when average daily balance for the month is: Avg. Daily Bal APY* $0.01 - $99.99 0.00% $100 - $999.99 0.05% $1,000 - $1,999.99 0.05% $2,000 - $4,999.99 0.10% $5,000 and above 0.15% Consumer Dividend Checking Effective Date: November 25, 2021 Minimum to open is $100. Dividend paid when average daily balance for the month is: Avg. Daily Bal APY* $0.00 - $2,499.99 0.00% $2,500 - $24,999.99 0.03% $25,000 and above 0.08% Money Market Effective Date: November 25, 2021 Minimum to open is $2,500. Dividend paid when average daily balance for the month is: Avg. Daily Bal APY* $0.01 - $24,999.99 0.15% $25,000 - $99,999.99 0.25% $100,000 and above 0.30% Special Savings Effective Date: November 25, 2021 Avg. Daily Bal APY* $0.01 and above 0.05% Holiday Club Effective Date: November 25, 2021 Minimum to open is $10. Dividend paid when average daily balance for the month is: Avg. Daily Bal APY* $0.01 and above 0.05% Club Rocky Savings Effective Date: November 25, 2021 Minimum to open is $25. Dividend paid when average daily balance for the month is: Avg. Daily Bal APY* $0.01 - $99.99 0.00% $100 - $999.99 0.05% $1,000 - $1,999.99 0.05% $2,000 - $4,999.99 0.10% $5,000 and above 0.15% IRA (Traditional or Roth) Effective Date: November 25, 2021 Dividend paid when average daily balance for the month is: Avg. Daily Bal APY* $100 and above 0.35% Retirement Builder Effective Date: Thursday, November 25th, 2021 $10 minimum balance to maintain. Product no longer available for new accounts. Avg. Daily Bal APY* $10 - $1,500 0.25% *APY=Annual Percentage Yields. Certificates subject to early withdrawal fee. $1,000 minimum deposit for IRA Certificate. Programs and rates are subject to change daily without notice. Terms and conditions available at a branch. Early withdrawal fees apply. IRA Certificates not available for business accounts. **Fees may reduce earnings. †IRA (Traditional or Roth) not available for this term. Mortgage Rates We have teamed up with Primary Partners Financial to give you, as a member, the best service possible when it comes to buying or refinancing your home. As one of the best mortgage providers in our market, PPF can offer you competitive rates and superior home loan programs. PPF’s mortgage consultants can help with: Purchasing a home Refinancing an existing mortgage Cash out transactions VIEW RATES APPLY FOR A LOAN Go to main navigation Careers | About | (800) 743-7228 | Privacy | Routing # 322282603 | Site Feedback | Discounts This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law and Equal Credit Opportunity Act. NMLS #763460 If you are using a screen reader or other auxiliary aid and are having problems using this website, please call (800) 743-7228 for assistance. All information available on this website is also available at any of our branches.