Reset Password / First Time User

NCUA logo

Accessibility

Apply for a loan

Main Content

Loan Rates

Effective as of 10/04/2022  by Topside FCU.

Auto Loans* Maximum APR
New 100% of MSRP/NADA Value 12 to 36 Months 3.49% 36 monthly payments of $28.86 per $1,000 financed at 3.49% APR 12.49%
New 100% of MSRP/NADA Value 37 to 48 Months 3.99% 48 monthly payments of $22.25 per $1,000 financed at 3.99%  APR 12.99%
New 100% of MSRP/NADA Value 49 to 60 Months 4.24% 60 monthly payments of $18.19 per $1,000 financed at 4.24%  APR 13.24%
New 100% of MSRP/NADA Value 61 to 72 Months 4.74% 72 monthly payments of $15.65 per $1,000 financed at 4.74% APR 13.74%
New 100% of MSRP/NADA Value 73 to 84 Months 4.74% 84 monthly payments of $14.02 per $1,000 financed at 4.74% APR 13.74%
Used 100% of MSRP/NADA Value 12 to 36 Months 4.29% 36 monthly payments of $29.44 per $1,000 financed at 4.29% APR 13.29%
Used 100% of MSRP/NADA Value 37 to 48 Months 4.49% 48 monthly payments of $22.58 per $1,000 financed at 4.49%  APR 13.49%
Used 100% of MSRP/NADA Value 49 to 60 Months 4.69% 60 monthly payments of $18.44 per $1,000 financed at 4.69% APR 13.69%
Used 100% of MSRP/NADA Value 61 to 72 Months 4.99% 72 monthly payments of $15.88 per $1,000 financed at 4.99% APR 13.99%
Used 100% of MSRP/NADA Value 73 to 84 Months 5.49% 84 monthly payments of $14.37 per $1,000 financed at 5.49% APR 14.49%
Older Model Year Vehicles Contact Credit Union 12 to 36 Months 5.99% 36 monthly payments of $30.20 per $1,000 financed at 5.99% APR 14.99%
Older Model Year Vehicles Contact Credit Union 37 to 60 Months 5.99% 60 monthly payments of $19.10 per $1,000 financed at 5.99% APR 14.99%
Older Model Year Vehicles Contact Credit Union 61 to 72 Months 6.99% 72 monthly payments of $16.81 per $1,000 financed at 6.99% APR 15.99%
Cash Out Refinances and Classic Cars Contact Credit Union 12 to 60 Months 6.99% 60 monthly payments of $19.81 per $1,000 financed at 6.99% APR 15.99%
Motorcycle  
New & Used 100% of MSRP/NADA Value Up to 72 months 5.49% 72 monthly payments of $16.11 per $1,000 financed at 5.49% APR 14.49%
Tractor Loans  
New & Used Tractors Contact Credit Union Up to 60 months 6.99% 60 monthly payments of $19.81 per $1,000 financed at 6.99% APR 15.99%
Boat & RV Loans**  
New & Used 100% of MSRP/NADA Value Up to 72 months 6.99% 72 monthly payments of $16.81 per $1,000 financed at 6.99% APR 15.99%
New & Used 100% of MSRP/NADA Value 73 to 180 months 7.99% 180 monthly payments of $9.27 per $1,000 financed at 7.99% APR  16.99%
Sports Recreational Vehicles (ATV, UTV, SXS, and Personal Watercraft)  
New & Used 100% of MSRP/NADA Value Up to 72 months 6.74% 72 monthly payments of $16.93 per $1,000 financed at 6.74% APR  15.74%
Personal Loans  
Personal Loan $50,000 12 to 36 months 8.74% 36 monthly payments of $31.46 per $1,000 financed at 8.74% APR 17.74%
Personal Loan $50,000 37 to 72 months 9.74% 72 monthly payments of $18.15 per $1,000 financed at 9.74% APR 18.00%
Personal Loan $50,000 73 to 120 months 10.24% 120 monthly payments of $13.08 per $1,000 financed at 10.24% APR 18.00%
Line of Credit $30,000   13.75% Minimum monthly payment of $20.00 per $1,000.00 borrowed 13.75%
Share Certificate Not to exceed Certificate Term not to exceed term of certificate 3.20% above current certificate rate 60 monthly payments of $18.87 per $1,000 financed at 4.99% APR 3.20% above current certificate rate
Share Secured Loans          
    Up to 120 months Prime Share Rate plus 3.20% 60 monthly payments of $18.07 per $1,000 financed at 3.21% APR Prime Share Rate plus 3.20%
Real Estate Loans  

Home Equity

    Up to 80% LTV***

$500,000 Up to 60 months 5.000% 60 monthly payments of $18.92 per $1,000 financed at 5.000% APR  
    Over 61 months,
up to 120 months
5.250% 120 monthly payments of $10.76 per $1,000 financed at 5.250% APR  
   

Over 121 months,
up to 180 months

5.750% 180 monthly payments of $8.33 per $1,000 financed at 5.750% APR  

Home Equity

     81% to 90% LTV***

$500,000 Up to 60 months 5.750% 60 monthly payments of $19.27 per $1,000 financed at 5.750% APR  
    Over 61 months,
up to 120 months
6.000% 120 monthly payments of $11.14 per $1,000 financed at 6.000% APR  
   

Over 121 months,
up to 180 months

6.500% 180 monthly payments of $8.74 per $1,000 financed at 6.500% APR  

Home Equity

     91% to 100% LTV***

$250,000 Up to 60 months 7.250% 60 monthly payments of $19.99 per $1,000 financed at 7.250% APR  
    Over 61 months,
up to 120 months
7.500% 120 monthly payments of $11.92 per $1,000 financed at 7.500% APR  
    Over 121 months,
up to 180 months
8.000% 180 monthly payments of $9.60 per $1,000 financed at 8.000% APR  

Home Equity LOC

     up to 80% LTV***

$500,000 10 year draw period, 10 year repayment period 6.250% (WSJ prime rate)  variable**** Contact us for monthly payment  

Home Equity LOC

     81% to 90% LTV***

$500,000 10 year draw period, 10 year repayment period

7.250% (WSJ prime rate plus 1.00%) variable****

Contact us for monthly payment  
           

* 60 month financing is available on autos and motorcycles, with a minimum advance of $5,000.00. 61 to 72 month financing is available on autos and motorcycles, with a minimum advance of $15,000.00; 73 - 84 month financing is available on autos, with a minimum advance of $25,000.00; New & Used Auto requests in excess of $75,000 will be subject to an increase in the interest rate.

New Vehicles
Current calendar year model and the previous model year  with 20,000 miles or less

Used Vehicles
Year models 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, and 2022 exceeding 20,000 miles

Older Model Years
Year models 2013 or prior 

**60 month financing is available on  RVs and boats with a minimum advance of $5,000.00. 61 to 72 month financing is available on  RVs and boats with a minimum advance of $15,000.00; 73 - 84 month financing is available on  RVs and boats with a minimum advance of $25,000.00; Financing is available on RVs and boats up to and including 120 months with a minimum advance of $30,000.00; 121 - 180 month financing is available on RVs and boats with a minimum advance of $50,000. Boat and RV loans are not available for purchase or refinance for residential use. 10% down payment required on new/used Boats and RV with purchase price over $75,000. Maximum loan amount for Used Boats and RV private sale financing is $50,000.

***LTV is the value of your property compared to the total amount of any mortgage secured by this property.  Other restrictions may apply.

****Variable rate as published in the money rates column of the Wall Street Journal and subject to change quarterly. Maximum rate 16%.  Minimum rate 1%.  Your rate will be determined by your credit history.  Loan to Value Ratios (LTV) up to 90%.  An appraisal may be required. Borrower must maintain property insurance.  Call the Credit Union for additional account fees and terms that apply, including rate information.

Your rate will be determined by your credit history. The actual Annual Percentage Rate will be reflected on the Loan Agreement and Consumer Credit Disclosure Statement signed by you at the time of the disbursal. Please contact the Credit Union to find out what rate you qualify for and what criteria we used to qualify you for that rate.