Personal Loans


Annual Percentage Rate (APR)¹

Terms in Months

Minimum Loan Amount

Estimated Payment per $1,000 Borrowed

12.50% - 21.50%

12

$500

$44.55 - $46.69²

12.50% - 21.50%

24

$1,000

$47.32 - $51.64

12.50% - 21.50%

36

$3,000

$33.46 - $37.94

12.50% - 21.50%

48

$4,000

$26.59 - $31.25

13.50% - 22.50%

60

$5,000

$23.02 - $27.92


Effective July 1, 2024. Subject to change anytime.

 


Annual Percentage Rate (APR)¹

Terms in Months

Minimum Loan Amount

Estimated Payment per $1,000 Borrowed

12.50% - 21.50%

12

$500

$44.55 - $46.69²

12.50% - 21.50%

24

$1,000

$47.32 - $51.64

12.50% - 21.50%

36

$3,000

$33.46 - $37.94

12.50% - 21.50%

48

$4,000

$26.59 - $31.25

13.50% - 22.50%

60

$5,000

$23.02 - $27.92


Effective July 1, 2024. Subject to change anytime.

 



Vehicle Loans


New Auto Loan Rates

Annual Percentage Rate (APR)¹

Terms in Months

Estimated Payment per $1,000 Borrowed

5.74% - 13.99%

48

$23.37 - $27.34

6.24% - 14.49%

60

$19.45 - $23.54

6.74% - 14.99%

72

$16.93 - $21.15

7.64% - 15.89%

84

$15.42 - $19.82


Effective July 1, 2024. Subject to change anytime.

 


Used Auto Loan Rates

Annual Percentage Rate (APR)¹

Terms in Months

Estimated Payment per $1,000 Borrowed

5.74% - 13.99%

48

$23.37 - $27.34

6.24% - 14.49%

60

$19.45 - $23.54

6.74% - 14.99%

72

$16.93 - $21.15


Effective July 1, 2024. Subject to change anytime.

 


First-Time Auto Buyer Loan Rates (New & Used)

Annual Percentage Rate (APR)¹

Terms in Months

Estimated Payment per $1,000 Borrowed

8.24%

60

$20.40

8.49%

72

$17.78


Effective July 1, 2024. Subject to change anytime.


New Auto Loan Rates

Annual Percentage Rate (APR)¹

Terms in Months

Estimated Payment per $1,000 Borrowed

5.74% - 13.99%

48

$23.37 - $27.34

6.24% - 14.49%

60

$19.45 - $23.54

6.74% - 14.99%

72

$16.93 - $21.15

7.64% - 15.89%

84

$15.42 - $19.82


Effective July 1, 2024. Subject to change anytime.

 


Used Auto Loan Rates

Annual Percentage Rate (APR)¹

Terms in Months

Estimated Payment per $1,000 Borrowed

5.74% - 13.99%

48

$23.37 - $27.34

6.24% - 14.49%

60

$19.45 - $23.54

6.74% - 14.99%

72

$16.93 - $21.15


Effective July 1, 2024. Subject to change anytime.

 


First-Time Auto Buyer Loan Rates (New & Used)

Annual Percentage Rate (APR)¹

Terms in Months

Estimated Payment per $1,000 Borrowed

8.24%

60

$20.40

8.49%

72

$17.78


Effective July 1, 2024. Subject to change anytime.



 

RV Loan Rates

  New RV Used RV
APR¹ Range 6.99 - 17.99% 7.49 - 18.49%
Max Term (Months)² 144 144
Amount Financed³ 80% LTV 80% LTV
  APR¹ Range Max Term (Months)² Amount Financed³
New RV 6.99 - 17.99% 144 80% LTV
Used RV 7.49 - 18.49% 144 80% LTV
Effective July 12, 2024 09:35 AM Pacific Time (PT)

Maximum term not available on all loan amounts. Lowest APR not available for the max term listed. Contact Orange County's Credit Union for details.


 

Motorcycle Loan Rates

  New Motorcycle 100% LTV New Motorcycle 80% LTV Used Motorcycle
APR¹ Range 7.49 - 17.74% 6.99 - 17.24% 7.99% - 18.24%
Max Term (Months)² 48 48 48
Amount Financed³ 100% LTV 80% LTV 80% LTV
  APR¹ Range Max Term (Months)² Amount Financed³
New Motorcycle 100% LTV 7.49 - 17.74% 48 100% LTV
New Motorcycle 80% LTV 6.99 - 17.24% 48 80% LTV
Used Motorcycle 7.99% - 18.24% 48 80% LTV
Effective July 12, 2024 09:35 AM Pacific Time (PT)

 

Boat, ATV, & Watercraft Loan Rates

  New Boats & Yachts New All Terrain Vehicles & Personal Watercraft
APR¹ Range 6.99 - 17.74% 12.75 - 21.00%
Max Term (Months)² 120 48
Amount Financed³ 80% LTV 80% LTV
  APR¹ Range Max Term (Months)² Amount Financed³
New Boats & Yachts 6.99 - 17.74% 120 80% LTV
New All Terrain Vehicles & Personal Watercraft 12.75 - 21.00% 48 80% LTV
Effective July 12, 2024 09:35 AM Pacific Time (PT)

Maximum term not available on all loan amounts. Lowest APR not available for the max term listed. Contact Orange County's Credit Union for details.


Home Loans


Today’s Purchase Rates

  30-Yr Fixed 15-Yr Fixed 10/1 Adj 7/1 Adj 5/1 Adj
Rate 6.500% 5.875% 6.375% 6.375% 6.375%
APR As Low As 6.647% 6.110% 7.201% 7.358% 7.545%
Points 1.000 1.000 1.000 0.500 0.625
Payment $3,160.34 $4,185.59 $3,119.35 $3,119.35 $3,119.35
  Rate APR As Low As Points Payment
30-Yr Fixed 6.500% 6.647% 1.000 $3,160.34
15-Yr Fixed 5.875% 6.110% 1.000 $4,185.59
10/1 Adj 6.375% 7.201% 1.000 $3,119.35
7/1 Adj 6.375% 7.358% 0.500 $3,119.35
5/1 Adj 6.375% 7.545% 0.625 $3,119.35
Effective July 12, 2024 09:15 AM Pacific Time (PT)

Today’s Refinance Rates

  30-Yr Fixed 15-Yr Fixed 10/1 Adj 7/1 Adj 5/1 Adj
Rate 6.500% 5.875% 6.375% 6.375% 6.375%
APR 6.647% 6.110% 7.201% 7.358% 7.545%
Points 1.000 1.000 1.000 0.500 0.625
Payment $3,160.34 $4,185.59 $3,119.35 $3,119.35 $3,119.35
  Rate APR Points Payment
30-Yr Fixed 6.500% 6.647% 1.000 $3,160.34
15-Yr Fixed 5.875% 6.110% 1.000 $4,185.59
10/1 Adj 6.375% 7.201% 1.000 $3,119.35
7/1 Adj 6.375% 7.358% 0.500 $3,119.35
5/1 Adj 6.375% 7.545% 0.625 $3,119.35
Effective July 12, 2024 09:15 AM Pacific Time (PT)

Today’s Home Equity Rates

  HELOC 20 Yr Fixed 15 Yr Fixed
Rate 8.375% 7.875% 7.375%
APR As Low As 8.375% 7.875% 7.375%
Points 0.000 0.000 0.000
Payment* Payment* $994.41 $1,103.91
  Rate APR As Low As Points Payment*
HELOC 8.375% 8.375% 0.000 Payment*
20 Yr Fixed 7.875% 7.875% 0.000 $994.41
15 Yr Fixed 7.375% 7.375% 0.000 $1,103.91
Effective July 12, 2024 09:15 AM Pacific Time (PT)