SPECIAL HOLIDAY HOURS
All Credit Union locations will be closed Monday, September 1, in observance of Labor Day.
Loan Rates
| Term | Rate | Payment Example per $10,000 Maximum Term |
|---|---|---|
| 24 Months | 5.75% | $442.09 |
| 36 Months | 5.75% | $303.11 |
| 60 Months | 5.75% | $192.19 |
| 84 Months | 5.75% | $144.91 |
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*APR = Annual Percentage Rate. Loan rate special effective for new autos model year 2020 and newer: 8/29/2025-9/1/2025. Recreational vehicles, motorcycles, vehicles or equipment used primarily for farm use, vehicles used for or classified as commercial or fleet autos, and refinancing of existing KTVAECU® loans do not qualify for the loan rate special. Rate subject to change without notice and based on creditworthiness. Auto loans for terms exceeding 84 months, non-purchase money, and collateral older than 2020 are available, but do not qualify for the rate special. Ask for details. Payment is for example purposes only: monthly payment of $192.19 per $10,000.00 for 60-month term.
| Term | Rate | Payment Example per $10,000 Maximum Term |
|---|---|---|
| 24 Months | 6.75% | $446.61 |
| 36 Months | 6.75% | $307.65 |
| 60 Months | 6.75% | $196.86 |
| 84 Months | 6.75% | $149.73 |
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*APR = Annual Percentage Rate. Loan rate special effective for new autos model year 2020 and newer: 8/29/2025-9/1/2025. Recreational vehicles, motorcycles, vehicles or equipment used primarily for farm use, vehicles used for or classified as commercial or fleet autos, and refinancing of existing KTVAECU® loans do not qualify for the loan rate special. Rate subject to change without notice and based on creditworthiness. Auto loans for terms exceeding 84 months, non-purchase money, and collateral older than 2020 are available, but do not qualify for the rate special. Ask for details. Payment is for example purposes only: monthly payment of $196.86 per $10,000.00 for 60-month term.
| TYPE | TERM | RATES AS LOW AS* (APR) | Payment Example per $1,000 Maximum Term | Alert Me |
|---|---|---|---|---|
| Signature Loan Fixed Rate | 12 months | 8.99% | $87.47 | Receive a notification when this rate changes |
| Signature Loan Fixed Rate | 24 months | 10.99% | $46.62 | Receive a notification when this rate changes |
| Signature Loan Variable Rate | 60 months | 13.42% | $22.98 | Receive a notification when this rate changes |
| Share Secured Variable Rate | 12 months | 2.15% | $84.32 | Receive a notification when this rate changes |
| Share Secured Variable Rate | 24 months | 2.15% | $42.61 | Receive a notification when this rate changes |
| Share Secured Variable Rate | 60 months | 10.17% | $213.36 | Receive a notification when this rate changes |
| Credit Builder Loan Variable Rate | 12 months | 2.15% | $84.32 | Receive a notification when this rate changes |
| Credit Builder Loan Variable Rate | 24 months | 2.15% | $42.61 | Receive a notification when this rate changes |
| Credit Builder Loan Variable Rate | 36 months | 2.15% | $28.71 | Receive a notification when this rate changes |
| Signature Loan Fixed Rate: APR = Annual Percentage Rate. Some restrictions may apply. Published rates are the lowest rates available for each loan type. Your rate may vary, based on creditworthiness, amount financed, and loan terms. Ask for details. Payment per $1,000.00 is for example purposes. Signature Loan Variable Rate: APR = Annual Percentage Rate. Some restrictions may apply. Published rates are the lowest rates available for each loan type. Your rate may vary, based on creditworthiness, amount financed, and loan terms. Ask for details. The APR may increase or decrease during the term of the loan based on changes in an interest rate index. The index is the 24-month certificate account rate paid by the CU on the last day of the previous calendar quarter plus a spread determined internally by the Credit Union. Any increase in APR will result in more payments. Rate subject to change. Rate can change after consummation. Payment per $1,000.00 is for example purposes. Share Secured Loan: APR = Annual Percentage Rate. The APR may increase or decrease during the term of this loan based on the changes in an interest rate index. The index is the dividend rate or current earnings rate paid on the account on the date of the advance plus 2.00%, up to the maximum APR of 18.00% or the maximum rate allowed by the law. Any increase in APR will result in more payments. Rate subject to change. Rate can change after consummation. Payment per $1,000.00 is for example purposes. Credit Builder Loan: APR = Annual Percentage Rate. Credit scores are determined by multiple factors, and KTVAECU does not guarantee a credit score increase and is not accountable for a credit score decrease. Terms up to 36 months. Minimum payment $25.00 per month. Rates subject to change. Rate can change after consummation. Membership must be 90 days or older to qualify. Some restrictions may apply. Ask for details. Payment example for Members Special Account: 36 monthly payments at 2.15% APR is $28.71 monthly payment per $1,000.00 borrowed. |
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| Term | RATES AS LOW AS* (APR) | Payment Example per $10,000 Maximum Term | Alert Me |
|---|---|---|---|
| 24 months | 6.24% | $444.35 | Receive a notification when this rate changes |
| 36 months | 6.24% | $305.36 | Receive a notification when this rate changes |
| 60 months | 6.24% | $194.49 | Receive a notification when this rate changes |
| 84 months | 6.24% | $147.28 | Receive a notification when this rate changes |
| 96 months | 6.74% | $135.09 | Receive a notification when this rate changes |
| *APR = Annual Percentage Rate. Available to qualifying Members. Some restrictions may apply. Rate subject to change without notice and based on creditworthiness. Minimum loan amount for new auto loans with terms 85 to 96 months: $40,000.00. Rates increase by 1.00% for autos over 100,000 miles. Payment per $10,000.00 is for example purposes only. Ask for details. | |||
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| Term | RATES AS LOW AS* (APR) | Payment Example per $10,000 Maximum Term | Alert Me |
|---|---|---|---|
| 24 months | 7.24% | $448.88 | Receive a notification when this rate changes |
| 36 months | 7.24% | $309.93 | Receive a notification when this rate changes |
| 60 months | 7.24% | $199.20 | Receive a notification when this rate changes |
| 84 months | 7.24% | $152.15 | Receive a notification when this rate changes |
| *APR = Annual Percentage Rate. Available to qualifying Members. Some restrictions may apply. Rate subject to change without notice and based on creditworthiness. Includes Used Autos. Rates increase by 1.00% for autos over 100,000 miles. Payment per $10,000.00 is for example purposes only. Ask for details. For vehicles model year 2015 and older, please contact us for rate information. | |||
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| Term | RATES AS LOW AS* (APR) | Payment Example per $10,000 Maximum Term | Alert Me |
|---|---|---|---|
| 24 months | 6.24% | $444.35 | Receive a notification when this rate changes |
| 36 months | 6.24% | $305.36 | Receive a notification when this rate changes |
| 60 months | 6.24% | $194.49 | Receive a notification when this rate changes |
| 84 months | 6.24% | $147.28 | Receive a notification when this rate changes |
| 96 months | 6.74% | $135.09 | Receive a notification when this rate changes |
| *APR = Annual Percentage Rate. Available to qualifying Members. Some restrictions may apply. Rate subject to change without notice and based on creditworthiness. Minimum loan amount for new recreational vehicles with terms 85 to 96 months of $40,000.00. Extended-term rates available and may vary based on creditworthiness. Extended terms available for Recreational Vehicles and Boat Loans with a minimum loan amount of $40,000.00. Extended-term rates available and may vary based on creditworthiness. Rates increase by 1.00% for recreational vehicles over 100,000 miles. Payment per $10,000.00 is for example purposes only. Ask for details. | |||
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| Term | RATES AS LOW AS* (APR) | Payment Example per $10,000 Maximum Term | Alert Me |
|---|---|---|---|
| 24 months | 7.24% | $448.88 | Receive a notification when this rate changes |
| 36 months | 7.24% | $309.93 | Receive a notification when this rate changes |
| 60 months | 7.24% | $199.20 | Receive a notification when this rate changes |
| 84 months | 7.24% | $152.15 | Receive a notification when this rate changes |
| APR = Annual Percentage Rate. Available to qualifying Members. Some restrictions may apply. Rate subject to change without notice and based on creditworthiness. Extended terms available for Recreational Vehicles and Boat Loans with a minimum loan amount of $40,000.00. Extended-term rates available and may vary based on creditworthiness. Rates increase by 1.00% for recreational vehicles over 100,000 miles. Payment per $10,000.00 is for example purposes only. Ask for details. For vehicles model year 2015 and older, please contact us for rate information. | |||
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