Loan Rates
Current Loan Rates effective: 1/5/2026
Rates are subject to change and based on credit rating/history.
*APR – Annual Percentage Rate
New Car, Truck, and Motorcycle Loan Rates
| Term |
APR* |
| 12 to 36 Months |
As low as 5.00% |
| 37 to 48 Months |
As low as 5.25% |
| 49 to 60 Months |
As low as 5.50% |
| 61 to 72 Months |
As low as 5.75% |
| 73 to 84 Months |
As low as 6.00% |
Used Car, Truck, and Motorcycle Loan Rates
|
Model Years |
Term |
APR* |
| 2016 or newer |
12 to 36 Months |
As low as 5.50% |
| 2016 or newer |
37 to 48 Months |
As low as 5.75% |
| 2020 or newer |
49 to 60 Months |
As low as 6.00% |
| 2022 or newer |
61 to 72 Months |
As low as 6.25% |
| 2024 or newer |
73 to 84 Months |
As low as 6.50% |
Current Loan Rates effective: 01/11/2026
Rates are subject to change and based on credit rating/history.
*APR – Annual Percentage Rate
Signature Loans - Personal
| Term |
APR* |
| 0 to 24 Months |
As low as 8.50% |
| 25 to 48 Months |
As low as 9.25% |
| 49 to 60 Months |
As low as 10.25% |
| Revolving Line-of-Credit |
As low as 8.99% |
New Recreational Vehicles and Boats
| Term |
APR* |
| 12 to 60 Months |
As low as 7.25% |
| 61 to 120 Months |
As low as 7.75% |
| 121 to 180 Months |
As low as 8.50% |
Used Recreational Vehicles and Boats
| Model Years |
Term |
APR* |
| 2013 or newer |
12 to 60 Months |
As low as 8.50% |
| 2018 or newer |
61 to 120 Months |
As low as 9.00% |
| 2023 or newer |
121 to 180 Months |
As low as 9.75% |
Home Equity Loans
| Loan-to-Value (LTV) |
Term |
APR* |
| 85% LTV |
36 to 60 Months |
6.00% |
| 85% LTV |
61 to 120 Months |
6.50% |
| 85% LTV |
121 to 180 Months |
7.00% |
| 90% LTV |
36 to 60 Months |
6.25% |
| 90% LTV |
61 to 120 Months |
6.75% |
| 90% LTV |
121 to 180 Months |
7.25% |
Home Equity Line of Credit
| Term |
APR* |
| 10-year draw / 15-year repayment |
Prime Rate minus 1.00%** |
| **Prime Rate is the Wall Street Journal’s published prime lending rate. The loan will have a minimum rate (floor) of 4.75%. |
First Mortgage Loans
We partner with Fairway Independent Mortgage Corporation. Click the link below to get more information and contact them today. Please be sure to tell them you are an Ever $ Green Federal Credit Union Member.
Pittsford, NY | Fairway Independent Mortgage Corporation | Branch# 3246-14618-7835
