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Consumer Loan Rates

Vehicle Loans, Personal Loans and Lines of Credit

 

Description Term APR Payment per $1000 borrowed
New and Used Autos, Trucks, and Vans up to 36 Months as low as {{ratesnum.14}}%1 $28.92
up to 48 Months as low as {{ratesnum.15}}%1 $21.97
up to 63 Months as low as {{ratesnum.16}}%1 $17.01
up to 75 Months as low as {{ratesnum.17}}%1 $14.92
up to 84 Months as low as {{ratesnum.18}}%1 $13.96
Boat Loans up to 48 Months as low as {{ratesnum.131}}%
$22.00
(based on
approx. 48
mo. term)
Other Collateral (New and Used)
Motorcycle, RV, Trailer, ATV and Jet Ski
up to 120 Months as low as {{ratesnum.19}}%1
$22.13
(based on 
approx. 48 
mo. term)
Other Personal Loans/Lines
(Includes but not limited to: Savings Secured Loans, CD Secured Loans and Personal Line of Credit.)
up to 36 Months as low as 5.99%1 $30.42
(based on
approx. 36
mo. term)
Signature Loans Contact us at 1.888.AVADIAN (1.888.282.3426) for rates and terms.

Ready to get the vehicle of your dreams?

 

Credit Cards

Description APR
Signature {{ratesnum.124}}% - {{ratesnum.125}}% Variable
Rewards {{ratesnum.21}}% - {{ratesnum.22}}% Fixed
Secured rates between 14.90% and 16.90% 

Ready to start building your credit?

 

HELOC Plus & Home Equity Loans

Description APR
6-Month Introductory Fixed Rate - HELOC Plus Line of Credit as low as {{ratesnum.24}}%2
36-Month Fixed Rate loan - HELOC Plus as low as {{ratesnum.126}}%2
60-Month Fixed Rate loan - HELOC Plus as low as {{ratesnum.127}}%2
84-Month Fixed Rate loan - HELOC Plus as low as {{ratesnum.128}}%2
120-Month Fixed Rate loan - HELOC Plus as low as {{ratesnum.129}}%2
180-Month Fixed Rate loan - HELOC Plus as low as {{ratesnum.130}}%2
For HELOC Plus lines of credit, the APR for the introductory fixed rate period will vary based on the prime rate (as published by The Wall Street Journal) plus a margin ranging from 0% to 2.50%. As of June 16, 2022, the prime rate was 4.75%.  
 
For HELOC Plus fixed rate loans, the APR is fixed for the specific period of time with rates based on creditworthiness. Rates shown above represent a loan-to-value of 80%. 
 
   
Home Equity Loan - up to 60 Months as low as {{ratesnum.108}}%3
Home Equity Loan - up to 84 Months as low as {{ratesnum.109}}%3
Home Equity Loan - up to 120 Months as low as {{ratesnum.110}}%3

Ready to tap into your home's equity?

 

 

Rates current as of June 16, 2022.
 

1 The APR (Annual Percentage Rate) applicable to your account is based on credit worthiness, loan amount, model year, and term of the loan. Certain terms and loan amount restrictions apply based on collateral type. For auto loans, the minimum loan amount for terms 67-75 mos. is $15,000. Minimum loan amount for terms greater than 75 mos. is $25,000.  Maximum term of 60 months for vehilces over 125,000 miles. For other collateral, the minimum loan amount for terms 61 - 75 mos. is $15,000. The minimum loan amount for terms 73 - 84 mos. is $20,000. The minimum loan amount for terms for 85 - 120 mos. is $25,000. The minimum loan amount for terms greater than 120 mos. is $30,000. The maximum term on motorcycles is 84 months. 

Rates based on loan-to-value and credit worthiness. After the 6-month introductory rate term, the Annual Percentage Rate (APR) will vary based on the prime rate plus applicable margin (as quoted in The Wall Street Journal) on the first day of the month. As of June 16, 2022, the prime rate was 4.75%. The amount of the margin will vary based on several factors, including your credit history and loan to value ratio and can range from prime plus 0% to prime plus 2.50%. Maximum lifetime rate on Home Equity Line of Credit is 15.00% APR. Ask us for the current index value, margin, and annual percentage rate. The closing costs will be waived with a minimum advance at closing of $10,000. (The $10,000 must be new money.) Depending on the credit limit, closing costs, and other fees are estimated to be between $300 and $700.  If Home Equity Line of Credit falls below $9,000 in the first six (6) months, you will have to reimburse the amount of the closing cost paid on your behalf by the credit union. You must carry insurance on property that secures this plan.

To qualify for an Avadian's introductory offers, any HELOC Plus requests must be secured by a property that has not been currently or previously used as security by any of the current owners at Avadian. All rates and offers are subject to change without notice and cannot be combined with other special promotions.

Rates based on loan-to-value and credit worthiness. Minimum loan amount for terms greater than 84 months is $30,000.



The credit union is federally insured by the National Credit Union Administration.
Additional insurance of up to $250,000 on your savings accounts is provided by Excess Share Insurance Corporation, a licensed insurance company.

Equal Housing Logo Equal Housing Opportunity Lender. 
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