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Loan Rates

Auto Loan Rates
Loan Term New Auto APR as low as Used Auto APR as low as
36 Months 4.49%* 4.49%*
48 Months 4.74%* 4.74%*
60 Months 4.74%* 4.74%*
72 Months 5.24%* 5.24%*
84 Months 6.49%* 6.49%*

Rates effective as of 8/29/2025.

*Rates shown include a .25% discount for automatic payment and an additional 0.50% for having a qualifying Reward Rate Relationship. Rates for vehicles 7 years and older are 3.00% above the stated rate. Your actual rate may vary depending on credit and discounts taken. Rates are also applicable to Cash Out Auto (Title) Loans.

Rate Disclosures

RV & Boat Rates
Loan Term New & Used APR as low as
60 Months 7.75%*
72 Months 8.15%*
84 Months 8.74%*
96 Months 9.74%*
120 Months 10.74%*

Rates effective as of 8/29/2025.

*Rates shown include a .25% discount for automatic payment and an additional 0.50% for having a qualifying Reward Rate Relationship. Your actual rate may vary depending on credit and discounts taken.

Rate Disclosures

Motorcycle Loan Rates
Loan Term New - APR as low as Used - APR as low as
36 Months 5.49%* 5.49%*
48 Months 5.74%* 5.74%*
60 Months 5.74%* 5.74%*
72 Months 6.24%* 6.24%*
84 Months 7.49%* 7.49%*

Rates effective as of 8/29/2025.

*Rates shown include a .25% discount for automatic payment and an additional 0.50% for having a qualifying Reward Rate Relationship. Rates for vehicles 7 years and older are 3.00% above the stated rate. Your actual rate may vary depending on credit and discounts taken. Rates are also applicable to Cash Out Motorcycle (Title) Loans.

Rate Disclosures

Summer Loan Rate
Loan Term APR as low as Minimum Loan Amount
12 Months 7.49%* $200

Rates effective as of 8/29/2025.

*Summer Loan available until 9/30/25. Rate shown includes a .25% discount for automatic payment and an additional .50% for having a qualifying Reward Rate Relationship. Your actual rate may vary depending on credit and discounts taken.

Rate Disclosures

Personal Loan Rates
Loan Term APR as low as Minimum Loan Amount
12 Months 7.24%* $200
24 Months 7.74%* -
36 Months 8.24%* -
48 Months 8.74%* -
60 Months 9.24%* $5,000

Rates effective as of 8/29/2025.

*Rates shown include a .25% discount for automatic payment and an additional .50% for having a qualifying Reward Rate Relationship. Your actual rate may vary depending on credit and discounts taken.

Rate Disclosures

Credit Card Rates
6 Month Introductory APR for Purchases & Cash Advances

Visa Platinum
0.00%

Visa Platinum Rewards
0.00%

Credit Builder Secured Visa
N/A
Annual Percentage Rate* (APR) for Purchases

Visa Platinum
13.50% - 18.00%

Visa Platinum Rewards
14.50% - 18.00%

Credit Builder Secured Visa
16.99% - 18.00%
Cash Advance APR

Visa Platinum
13.50% - 18.00%

Visa Platinum Rewards
14.50% - 18.00%

Credit Builder Secured Visa
16.99% - 18.00%

Variable Rate Information

Your actual APR may vary and is based on prime and your credit history. A margin between 6.00% - 16.00% is added to the highest Prime Rate* as published in the Wall Street Journal "Money Rates" Table.

Grace Period for Purchases

25 Days

Method of Computing the Balance for Purchases

Average Daily Balance (Including new purchases)

Annual Fee

None

Balance Transfer Rate

Same as purchase rate

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date

Transaction Fees

a. Foreign Transaction Fee - 1.00% of each transaction in U.S. dollars

Penalty Fees

a. Late Payment Fee - Up to $25.00
b. Returned Payment Fee - Up to $25.00

Rates effective as of 8/29/2025.

Rate Disclosures

Fixed Rate Home Equity Rates
Term APR as low as Loan to Value Comments
5 Years 6.49% Up to 80% No closing costs! (provided initial loan amount is $20,000 and loan remains open for 36 months)
7 Years 6.99%    
10 Years 7.49%   Minimum Loan Amount: $5,000. Maximum Loan Amount $200,000. Maximum Loan to Value (LTV) for owner-occupied and non-owner-occupied properties is 80% of tax assessed or appraised value. Rate based on credit evaluation.
15 Years 7.99%    

Rates effective as of 8/29/2025.

Rate Disclosures

 

Home Equity Line of Credit Rates
Variable APR as low as Comments
7.00% No closing costs! (provided initial advance is at least $20,000 and loan remains open 36 months.) Minimum HELOC amount: $10,000, Maximum HELOC amount: $200,000

Rates effective as of 8/29/2025.

Rate Disclosures

Market USA Federal Credit Union is a full-service financial institution with locations in Maryland and South Carolina as well as nationwide locations through the Shared Branch Network.