Rates
Effective as of April 1, 2026
New | Used | RVs, Boats and Motorcycles | Other Consumer Loans
Loan rates with Friendly Federal Credit Union cover new and used cars, trucks, recreational vehicles, motorcycles, boats and many other consumer loans. Whether you are seeking a loan for home improvement or looking to add new tires to the reliable family car, loan rates offered by non-profit credit unions have a competitive advantage over most traditional banking institutions.
As a credit union, Friendly Federal returns its profits to members in the form of better rates and fewer fees. We offer competitive rates and terms on all the loan products you need, and we'll work with you to find the loan that is right for you.
(Note: Rates subject to change without notice)
| AUTO LOAN RATES | Term | APR (Annual Percentage Rate) | Model Year |
|---|---|---|---|
| New Autos | Up to 60 Months | 5.50% | 2026 & 2025 |
| 72 Months | 6.00% | 2026 & 2025 | |
| Used Autos | Up to 60 Months | 6.25% | 2025 & 2024 Models |
| 72 Months | 6.50% | 2025 & 2024 Models | |
| Up to 60 Months | 6.75% | 2023 & Older Models | |
| 72 Months | 6.75% | 2023 & Older Models |
| LOAN RATES | Term | APR (Annual Percentage Rate) |
|---|---|---|
| Share Loans | --- | 3.00% |
| Partially Secured Loans | 50% | 9.00% |
| Unsecured Loans | Up to $10,000 | 12.00% |
| P.S.L. Loans (Maximum $10,000 Upon Approval) | --- | 10.00% |
| Mobile Home Loans - New | --- | 9.00% |
| Mobile Home Loans - Used | --- | 12.00% |
| Motorcycle - New | --- | 8.75% |
| Motorcycle - Used | --- | 9.75% |
| Boat Loans - New and Used | --- | 8.00% |
| Visa Credit Card | --- | 9.25% |
| RV Campers- New | 60 Months | 6.25% |
| RV Campers - Used | 60 Months | 7.00% |
| Loan Specials ($7,500.00) | 60 Months | 6.99% |
| Home Equity Loan | Up to 5 Years | 5.75% |
| Home Equity Loan | Up to 7 Years | 6.00% |
| Home Equity Loan | Up to 10 Years | 6.25% |
| Home Equity Loan | Up to 15 Years | 6.50% |
| Home Equity Loan | Up to 20 Years | 7.00% |
| DEPOSIT RATES | Dividend Rate | APY (Annual Percentage Yield) |
|---|---|---|
| Regular Share Accounts ($100.00 & Up, Dividend Paid Qtly.) | .15% | --- |
| Certificates of Deposit (Minimum $500.00) | --- | 1 Year 3.25% |
| Certificates of Deposit (Minimum $500.00) | --- | 3 Years 3.75% |
| IRA Accounts | .50% | --- |
| Share Draft Accounts (Checking) | 0.00% | 0.15% |
| Money Market Checking ($2,500.00 to $9,999.99) | --- | 0.50% |
| Money Market Checking ($10,000.00 to $24,999.99) | --- | 1.50% |
| Money Market Checking ($25,000.00 and Over) | --- | 2.00% |
| Christmas Clubs | 0.15% | |
| Vacations Clubs | 0.15% |
