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Loan Rates

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Auto Loans with big savings at Education First.

Auto Loans

New and Used Vehicle Loan Rates

Terms APR*
48 Months 5.50%
60 Months 5.75%
72 Months 6.25%
78 Months 6.50%
84 Months 7.50%
* APR = Annual Percentage Rate. The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
Boats, ATVs, RVs, Motorcycles & Other Secured Loans

Recreational + Other Secured Rates

Terms APR*
48 Months 5.99%
60 Months 6.25%
78 Months 6.75%
72 Months 6.50%
84 Months 7.25%
96+ Months 8.25%
* APR = Annual Percentage Rate. The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.

Mortgage Loan Rates

Terms Rate APR*
10 Year Fixed Rate 5.750% 6.252%
15 Year Fixed Rate 6.000% 6.356%
20 Year Fixed Rate 6.250% 6.536%
30 Year Fixed Rate 6.500% 6.720%
Rates in effect as of October 1, 2024
*APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
Construction Loan Rates
Terms Rate
12 Months 6.750%

Home Equity Loan Rates

Terms Rate APR*
60 Months 5.425% 5.841%
120 Months 5.800% 6.022%
180 Months 6.000% 6.157%
240 Months 6.250% 6.376%
300 Months 6.500% 6.609%
360 Months 6.500% 6.597%
* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.

Home Improvement Loan Rates

Terms Rate
60 Months 5.800%
120 Months 5.925%
180 Months 6.250%
240 Months 6.375%
* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.

Land/Unimproved Property Loan Rates

Terms Rate
60 Months 5.750%
120 Months 6.250%
180 Months 6.500%
* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.

 

Personal Credit Card Rates

Terms Fees APR* Notes
totalREWARDS VISA No annual fees 11.90%* Earn totalREWARDS on every purchase with your Education First VISA for choice of cash back, travel, merchandise or gift cards!
total REWARDS Business VISA No annual fees 11.90%* Earn totalREWARDS on every purchase with your Education First VISA for choice of cash back, travel, merchandise or gift cards!
See credit card disclosure for rate and offer information.
* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.

 

Line of Credit Rates

Fees APR*
No annual fees 10.70%
* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.

Personal Loans

Terms Fees APR*
Unsecured Personal No annual fees 12.78%
Share Secured No annual fees 3.0% + Regular Savings Dividend Rate
Share Certificate Secured for 6 – 36 months No annual fees 2.0% + Share Certificate Dividend Rate
Share Certificate Secured for 37 – 60 months No annual fees 3.0% + Share Certificate Dividend Rate

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Rates

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