Rates effective 07/01/2018 and subject to change. APR=Annual Percentage Rate. OAC=On Approved Credit. Your rate will be determined by the loan type, amount, applicable fees, collateral, term requested, and your credit score.

For additional information regarding rates and terms on Progressions Credit Union loans, please contact us.
 

AUTOS AND TRUCKS

10 YEARS OLD AND NEWER
APR RANGE RANGE OF TERMS OTHER INFORMATION
3.74%-17.49% Available up to 96 months OAC. Fixed rate. Max advance may include Tax, License, Warranty, and GAP.
Rates advertised include a 0.25% discount for automatic payment and a 0.25% discount for direct deposit of payroll or retirement benefits to a Progressions Credit Union savings or checking account. Add 0.25% for other payment options and 0.25% for accounts without direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.

Add 1.50% for vehicles with 100,000 miles or more; however, in no case will rates exceed 18%. Max term is 48 months for vehicles with 125,000 or more. Mileage may be limited to 125,000 for gas and 175,000 for diesel.

Consumer loan payment example: New car loan of $20,000 for a 60 month term at 3.74% APR will have a monthly payment of $366.05.

Existing Progressions Credit Union loans do not qualify for these rates.

Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.

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AUTOS AND TRUCKS

 11-15 YEARS OLD
APR RANGE RANGE OF TERMS OTHER INFORMATION
6.24%-17.49% Available up to 48 months OAC. Fixed rate. Max advance may include Tax, License, Warranty, and GAP.

Rates advertised include a 0.25% discount for automatic payment and a 0.25% discount for direct deposit of payroll or retirement benefits to a Progressions Credit Union savings or checking account. Add 0.25% for other payment options and 0.25% for accounts without direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.

Add 1.50% for vehicles with 100,000 miles or more; however, in no case will rates exceed 18%. Max term is 48 months for vehicles with 125,000 or more. Mileage may be limited to 125,000 for gas and 175,000 for diesel.

Consumer loan payment example: Used car loan of $10,000 for a 48 month term at 6.24% APR will have a monthly payment of $236.00.

Existing Progressions Credit Union loans do not qualify for these rates.

Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.

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BOAT AND RECREATIONAL VEHICLE (RV)

2010 Model Years and Newer

APR RANGE

RANGE OF TERMS

OTHER INFORMATION

3.99%-17.24% Available up to 180 months OAC. Fixed rate. Max advance may include Tax, License, Warranty, and GAP

Rates advertised include a 0.25% discount for automatic payment and a 0.25% discount for direct deposit of payroll or retirement benefits to a Progressions Credit Union savings or checking account. Add 0.25% for other payment options and 0.25% for accounts without direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.

Consumer loan payment example: New RV loan of $35,000 for a 180 month term at 3.99% APR will have a monthly payment of $258.79.

Existing Progressions Credit Union loans do not qualify for these rates.

Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.

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BOAT AND RECREATIONAL VEHICLE (RV)

2008-2009 Model Years
APR RANGE RANGE OF TERMS OTHER INFORMATION
4.49%-17.74% Available up to 180 months OAC. Fixed rate. Max advance may include Tax, License, Warranty, and GAP.
Rates advertised include a 0.25% discount for automatic payment and a 0.25% discount for direct deposit of payroll or retirement benefits to a Progressions Credit Union savings or checking account. Add 0.25% for other payment options and 0.25% for accounts without direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.

Consumer loan payment example: Used RV loan of $15,000 for a 60 month term at 4.49% APR will have a monthly payment of $279.63.

Existing Progressions Credit Union loans do not qualify for these rates.

Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.

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BOAT AND RECREATIONAL VEHICLE (RV)

2003-2007 Model Years
APR RANGE RANGE OF TERMS OTHER INFORMATION
5.74-8.99% Available up to 84 Months OAC. Fixed Rate, up to 80% LTV

Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.

Existing Progressions Credit Union loans do not qualify for these rates.

Consumer loan payment example: Used RV loan of $15,000 for a 84 month term at 5.74% APR will have a monthly payment of $217.33..

Rates advertised include a 0.25% discount for automatic payment and a 0.25% discount for direct deposit of payroll or retirement benefits to a Progressions Credit Union savings or checking account. Add 0.25% for other payment options and 0.25% for accounts without direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.

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SUMMER/WINTER TOYS - 10 YEARS OLD AND NEWER

(ATV, OFF ROAD MOTORCYCLES, STREET MOTORCYCLES UNDER 750CC, SCOOTERS, AND PERSONAL WATERCRAFT)

APR RANGE

RANGE OF TERMS

OTHER INFORMATION

3.99%-17.49%

Available up to 60 months OAC.

Fixed rate. Max advance may include Tax, License, Warranty, and GAP.

Rates advertised include a 0.25% discount for automatic payment and a 0.25% discount for direct deposit of payroll or retirement benefits to a Progressions Credit Union savings or checking account. Add 0.25% for other payment options and 0.25% for accounts without direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.

Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.

Existing Progressions Credit Union loans do not qualify for these rates.

Consumer loan payment example: New ATV loan of $4,000 for a 48 month term at 3.99% APR will have a monthly payment of $90.31.

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STREET LEGAL MOTORCYCLES

10 YEARS OLD OR NEWER (OVER 750CC)

APR RANGE

RANGE OF TERMS

OTHER INFORMATION

3.49%-17.49%

Available up to 84 months OAC.

Fixed rate. Max advance may include Tax, License, Warranty, and GAP.

Rates advertised include a 0.25% discount for automatic payment and a 0.25% discount for direct deposit of payroll or retirement benefits to a Progressions Credit Union savings or checking account. Add 0.25% for other payment options and 0.25% for accounts without direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.

Consumer loan payment example: New Motorcycle loan of $18,000 for a 60 month term at 3.49% APR will have a monthly payment of $327.41.

Existing Progressions Credit Union loans do not qualify for these rates.

Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.

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STREET LEGAL MOTORCYCLES

11-15 YEARS OLD (OVER 750CC)

APR RANGE

RANGE OF TERMS

OTHER INFORMATION

5.74%-17.74%

Available up to 48 months OAC.

Fixed rate. Max advance may include Tax, License, Warranty, and GAP.

Rates advertised include a 0.25% discount for automatic payment and a 0.25% discount for direct deposit of payroll or retirement benefits to a Progressions Credit Union savings or checking account. Add 0.25% for other payment options and 0.25% for accounts without direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.

Consumer loan payment example: New Motorcycle loan of $4,900 for a 48 month term at 5.74% APR will have a monthly payment of $114.52.

Existing Progressions Credit Union loans do not qualify for these rates.

Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.

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PERSONAL SECURED COLLATERAL

OVER 15 YEARS OLD (AUTOS, TRUCKS, SUMMER/WINTER TOYS)

APR RANGE

RANGE OF TERMS

OTHER INFORMATION

9.24%-17.24%

Available up to 48 months OAC.

Fixed rate. Max advance may include Tax, License, Warranty and GAP.

Rates advertised include a 0.25% discount for automatic payment and a 0.25% discount for direct deposit of payroll or retirement benefits to a Progressions Credit Union savings or checking account. Add 0.25% for other payment options and 0.25% for accounts without direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.

Consumer loan payment example: Use auto loan of $8,000 for a 48 month term at 9.24% APR will have a monthly payment of $200.03.

Existing Progressions Credit Union loans do not qualify for these rates.

Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.


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PERSONAL UNSECURED

(SIGNATURE LOAN FOR ANY PURPOSE)

APR
RANGE

RANGE OF
TERMS

OTHER INFORMATION

9.99%-17.99%

Available up to 60 months OAC.

Fixed rate.

Rates advertised include a 0.25% discount for automatic payment and a 0.25% discount for direct deposit of payroll or retirement benefits to a Progressions Credit Union savings or checking account. Add 0.25% for other payment options and 0.25% for accounts without direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.

Consumer loan payment example: Signature loan for $10,000 for a 60 month term at 9.99% APR will have a monthly payment of $212.47.

Existing Progressions Credit Union loans do not qualify for these rates.

Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.

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PERSONAL LINE OF CREDIT (PLC)

APR
RANGE

RANGE OF TERMS

OTHER INFORMATION

9.99%-17.99%

Open Ended

Fixed rate.

Rates advertised for Personal Line of Credit (PLC) include a 0.25% discount for automatic payment and a 0.25% discount for direct deposit of payroll or retirement benefits to a Progressions Credit Union savings or checking account. Add 0.25% for other payment options and 0.25% for accounts without direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.

Personal Line of Credit (PLC) Loans are a fixed rate, open end line of credit with a variable payment. Minimum payments for a PLC are calculated at 2% of the outstanding balance or $25.00, whichever is greater. May be used for overdraft protection. A $2.00 overdraft transfer fee will apply.

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VISA CREDIT CARD

APR
RANGE

RANGE OF
TERMS

 OTHER INFORMATION

9.99%-17.99%

Open Ended

Fixed rate.
Click HERE for Introductory Rate and Balance Transfer offers.

Rates advertised for Visa Credit Card include a 0.25% discount for automatic payment and a 0.25% discount for direct deposit of payroll or retirement benefits to a Progressions Credit Union savings or checking account. Add 0.25% for other payment options and 0.25% for accounts without direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.

Visa Credit Card Loans are a fixed rate, open end line of credit with a variable payment. Minimum payments for a Visa Credit Card are calculated at 2% of the outstanding balance or $25.00, whichever is greater.

FULL VISA DISCLOSURE HERE

Existing Progressions Credit Union loans do not qualify for these rates.

Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.

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SPECIAL PURPOSE PERSONAL LOANS

(VACATION LOAN, BACK TO SCHOOL LOAN, WEDDING LOAN, BICYCLE LOAN, HOLIDAY LOAN, DEBT CONSOLIDATION LOAN)

APR
RANGE

RANGE OF
TERMS

OTHER INFORMATION

7.49%-14.99%

Available up to 24 months OAC.

Fixed rate.

Rates advertised include a 0.25% discount for automatic payment and a 0.25% discount for direct deposit of payroll or retirement benefits to a Progressions Credit Union savings or checking account. Add 0.25% for other payment options and 0.25% for accounts without direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.

Consumer loan payment example: Specialty loan for $2,000 for a 24 month term at 7.49% APR will have a monthly payment of $90.00.

Existing Progressions Credit Union loans do not qualify for these rates.

Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.

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SAVINGS OR CERTIFICATE SECURED LOANS

APR RANGE

RANGE OF TERMS

OTHER INFORMATION

Savings secured: 3% above the securing savings account rate.

Certificate secured: 3.50% above the securing certificate rate.

Up to 120 months OAC.

Fixed rate. No credit is required.

Savings Secured Loan payment example: Savings secured loan for $8,000 for 60 month term at 9.99% APR will have a monthly payment of $169.97.

Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.

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WEALTH BUILDER LOAN

APR

RANGE OF TERMS

OTHER INFORMATION

6.00% above securing savings account.

Available up to 24 months OAC.

Fixed rate. Maximum loan amount $10,000.00.

No credit required or income verification needed.

Funds remained fully pledged until loan is paid in full.

Wealth Builder Loan payment example: Wealth Builder loan for $1000 for 24 month term at 6.00% APR will have a month payment of $44.33.

CLASSIC AUTOS

APR RANGE

RANGE OF TERMS

OTHER INFORMATION

5.25%-17.74%

Available up to 72 months OAC.

Fixed rate. Max 80% Loan to Value based on NADA Classic Car Quide. Requires credit union inspection. May also require appraisal.

Rates advertised include a 0.25% discount for automatic payment and a 0.25% discount for direct deposit of payroll or retirement benefits to a Progressions Credit Union savings or checking account. Add 0.25% for other payment options and 0.25% for accounts without direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.

Consumer loan payment example: Classic auto loan for $25,000 for a 72 month term at 5.25% APR will have a monthly payment of $405.60.

Existing Progressions Credit Union loans do not qualify for these rates.

Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.

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FIRST MORTGAGE DEED OF TRUST

PURCHASE OR REFINANCE

CLICK HERE

HOME EQUITY LINE OF CREDIT (HELOC)

Type

APR RANGE

Loan to Value

1st Deed of Trust

4.74%-6.99%

Maximum 80%

2nd Deed of Trust

4.99%-7.49%

Maximum 85%

Rate is variable and based on the Prime Rate (WSJ) + a Margin. Margins are based on the credit quality of the applicant. The rates above are the lowest available to qualified borrowers.

HELOC variable rate will not exceed 18% APR and will not go below the floor rate of 3.99% on a 1st DOT or 4.24% on a 2nd DOT.

Draw Period: 10 Years, minimum initial draw is $2,500.00. Any subsequent draws have a $100.00 minimum thereafter.

Repayment Period: 15 Years

Total length of loan is 25 years (Draw Period + Repayment Period).

Fees: Third party fees (approximately $430.00-$1620.00) will be waived with a minimum loan advance of $20,000.00. The waiver of these fees is conditioned on your account remaining open for at least 36 months. If you close your Home Equity Line of Credit within 36 months after the date your Account is opened, the fee waiver will be revoked. The fee will be added to your principal balance and you must repay the total before we release our security interest in your property. Call for more information.

Membership required.
Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply. For more information or to apply, contact us.


Progressions Credit Union - NMLS #784627                    

HOME EQUITY CLOSED END

1st Deed of Trust/Fixed Rate Equity Loans

Term

APR RANGE

Loan to Value

5 years

4.14%-4.44%

Maximum 80%

10 years (min $10,000)

4.24%-4.64%

Maximum 80%

15 or 20 years (min $20,000)

4.34%-4.74%

 Maximum 80%

HOME EQUITY CLOSED END

2nd Deed of Trust/Fixed Rate Equity Loans

Term

APR RANGE

Combined Loan to Value

5 years

3.99%-5.99%

Maximum 85%

10 years (Min $10,000)

4.49%-5.99%

Maximum 85%

15 - 20 years (Min $20,000)

4.99%-6.59%

Maximum 85%

Example payment: a $50,000 Home Equity Loan for 240 months with a rate of 4.99% APR would have a monthly payment of $329.80.

Real Estate loans will be limited to the Credit Union's geographic area, which is defined as: the State of Washington, and; the Northern Idaho counties of: Benewah, Kootenai, Bonner, Latah, Boundary, and Shoshone.

Fees: Third party fees (approximately $430.00-$1620.00) will be waived along with the Application Fee of $50.00 with a minimum loan amount of $20,000.00. The waiver of these fees is conditioned on your loan remaining outstanding for 36 months. If you pay off your loan before 36 months from the loan date, the fee waiver will be revoked. The fees will be added to your principal balance and you must repay the total before we release our security interest in your property. Call for more information.

Membership required. Must live, work, worship, or attend school in the state of Washington. a $20.00 membership fee may apply.

Contact us for fee information and more details. Existing Progressions Credit Union loans may be subject to a 1% refinancing fee.


Progressions Credit Union - NMLS #784627                                               

MOBILE HOME LOANS

New/Used

Terms

APR RANGE

Down Payment

New

Up to 120 months

10.00%-17.00%

Many options available. Up to 80% financing plus tax and license OAC. These rates are for titled mobile homes not affixed to property. Contact us for options on mobile homes affixed to property.

Used

Up to 120 months

11.00%-18.00%

Rates advertised include a 0.25% discount for automatic payment and a 0.25% discount for direct deposit of payroll or retirement benefits to a Progressions Credit Union savings or checking account. Add 0.25% for other payment options and 0.25% for accounts without direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.

Consumer loan payment example: A new mobile home loan for $100,000.00 with a 120 month term at a rate of 10.00% APR would have a monthly payment of $1,321.79.

Existing Progressions Credit Union loans do not qualify for these rates.

Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.


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