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Loan Rates

Home Loans Rates

Rates effective as of 10/19/2026

Fixed-Rate Mortgage

Term Base Rate APR*
10 Year 5.390% 5.673%
15 Year 5.690% 5.891%
20 Year 5.890% 6.050%
30 Year 5.990% 6.111%

*APR = Annual Percentage Rate. APR is calculated assuming a $300,000 loan amount for a purchase price of $375,000 on a single family dwelling, >740 credit score, 80% LTV/CLTV, 1% origination fee, $850.00 in other ActorsFCU fees.

These assumptions are subject to change without notice. Rate, points, and APR may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value, and the borrower's credit score. The final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.

Adjustable Rate Mortgages (ARMs)

Term Base Rate Initial APR*
1/1 ARM 4.650% 4.761%
3/1 ARM 4.750% 4.862%
5/1 ARM 5.000% 5.114%
7/1 ARM 5.500% 5.617%

*APR = Annual Percentage Rate. APR is calculated assuming a $300,000 loan amount for a purchase price of $375,000 on a single family dwelling, 30-year term, 2/6 caps >740 credit score, 80% LTV/CLTV, 1% origination fee, $850.00 in other ActorsFCU fees. These assumptions are subject to change without notice. Rate, points, and APR may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value, and the borrower's credit score. The final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.

Home Equity Line of Credit (HELOC)

Type Term Best Rate (APR*)
Standard 20 Year (5/15 Draw/Repayment) Prime Rate for Life
Interest Only 20 Year (10/10 Draw/Repayment) Prime Rate for Life

*APR = Annual Percentage Rate.

Initial rates are subject to adjustment based on overall Credit risk conditions i.e. Credit Scores, Credit History, etc.

Home Equity Loan (Fixed Rate 2nd Mortgage)

Term Base Rate
10 Year 6.50%
15 Year 6.75%
20 Year 7.00%
Initial rates are subject to adjustment based on overall Credit risk conditions i.e. Credit Scores, Credit History, etc.

Auto Loans Rates

Rates effective as of 11/2/2026

Auto Loans

Loan Term for New & Used Rate (APR*)
2-Year 3.49%
3-Year 4.24%
4-Year 4.49%
5-Year 4.74%
6-Year 4.99%
7-Year 5.24%

*APR = Annual Percentage Rate. Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates and terms subject to change without notice. For used cars, the age of the vehicle may limit maximum loan term.

Motorcycle, RV, & Boat Loan

Loan Term for New & Used Rate (APR*)
3-Year 5.24%
4-Year 5.49%
5-Year 5.74%
6-Year 5.99%
7-Year 6.24%

*APR = Annual Percentage Rate. Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates and terms subject to change without notice. For used cars, the age of the vehicle may limit maximum loan term.

Consumer Loans Rates

Rates effective as of 10/1/2026

Signature Loan

Term Rate (APR*)
1-Year 9.99%
2-Year 10.24%
3-Year 10.49%
4-Year 10.74%
5-Year 10.99%

*APR = Annual Percentage Rate. Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates and terms subject to change without notice.

Balance Consolidation Loan

Term Rate (APR)
1-Year 9.99%
2-Year 10.24%
3-Year 10.49%
4-Year 10.74%
5-Year 10.99%

*APR = Annual Percentage Rate. Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates and terms subject to change without notice.

Cash Draw

Term Rate (APR*)
Open-Ended 9.24%

*APR = Annual Percentage Rate.

Share-Secured Loan

Term Rate (APR*)
3-Year as low as 3.65% above Share Account rate
4-Year as low as 3.65% above Share Account rate
5-Year as low as 3.65% above Share Account rate

*APR = Annual Percentage Rate. Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates and terms subject to change without notice.

Certificate-Secured Loan

Term Rate (APR*)
3-Year as low as 3.65% above High-Yield Certificate rate
4-Year as low as 3.65% above High-Yield Certificate rate
5-Year as low as 3.65% above High-Yield Certificate rate

*APR = Annual Percentage Rate.

Vacation Loan

Term Rate (APR*)
1-Year 9.99%

*APR = Annual Percentage Rate. Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates and terms subject to change without notice.

Holiday

Term Rate (APR*)
1-Year 9.99%

*APR = Annual Percentage Rate. Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates and terms subject to change without notice.

Union Initiation Fee Loans

Term Rate (APR*)
2-Year 9.99%
3-Year 10.24%
*APR = Annual Percentage Rate. Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates and terms subject to change without notice.

Musical Instruments Loans

Type Maximum Term Current Rate (APR*)
Tier One - Loans $10,000 up to $49,000 60 Months As Low As 8.00%
Tier Two - Loans $50,000 up to $250,000 240 Months As Low As 5.49%

*APR = Annual Percentage Rate. Loan rates are determined by the Wall Street Journal Prime Rate, the borrower's creditworthiness, and credit union's underwriting guidelines. Loans over $100,000 require a 60-month balloon term. Ask for complete details. Rates and terms subject to change without notice.

Drive Now Pay Later!

Low-Rate Auto Loans With

NO PAYMENTS Until Feb 2027!**

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