Call us at (757) 388-3834 or [email protected]

Loan Rates


When you are looking to buy a car, check us out before signing the dotted line with the dealers. Let us try and help get you a better deal!!!!

Get pre-approved and save an additional 1/4% off your interest rate on auto loans. (Special conditions may apply)

Prime Care Credit Union offers a variety of loans for all of your needs & wants in life. If there’s a loan product you are interested in that you do not see please contact the Credit Union for more information.

Apply Now NADA Auto Guide Loan Calculator

Share Secured Loan Rates

100%Share Covered Loans
(Fixed rate)
3.00% Above Current
Dividend Rate Up to 60 Months
100%Share Covered Loans 4.00% Above Current
Dividend Rate 61-120 Months
Share Certificates 4% above certificate rate.
Click Here for our online Loan Calculator
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New & Used Car Loans

2021-201436 Months2.49% – 8.09%
48 Months2.74% – 8.34%
60 Months2.99% – 8.59%
No D Pricing Available for 72 months72 Months3.24% – 5.84%
No C or D pricing available80 Months*4.24% – 4.84%
*80 Month financing only available if you finance $30,000.00 +
A+, A, B, pricing
Finance 100% MSRP on New Cars (Never been titled)
On Used Cars up to 100% NADA Clean Retail Value
All rates and % to be financed, depends on your credit score.
Auto’s with 5000 miles or less can be considered new if 2021 or 2020.
Loan Officers have the final decision as to the length of time to finance a car loan depending on your credit score, outstanding debt ratio, etc. Many factors apply.
Pre-Approval will allow an additional 1/4% off current rate unless otherwise specified. Depending on your credit score rebates may be used toward tax/title/processing fees. Vehicles with 5000 miles or less, will be considered as new. Campers, Motor Homes & Boats, have special financing, call for more information.
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Campers & Motor Homes

(See Auto for year info)Up to 144 months (depending on year & credit score)4.50% – 6.00%
$40,000 + to go over 120 months add 2.00% to the current rates.
Call for detailed information.
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Boats & Trailers

Call for detailed information. Rates start at 4.50% – 6.00% up to 144 Months.
Now is the time to save yourself some money!
Do you have a vehicle financed somewhere other than at Prime Care?

We will refinance it and may be able to drop your rate by 2.000%. Check us out to find your new rate.

**New policies to extend the terms of financing **
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Signature Loans

TermAnnual Percentage RateNotes
1 – 12 Months5.00% – 13.50%

No new loans will be issued at a variable rate unless its an open end loan.
13 – 24 Months6.00% – 14.50%
25 – 36 Months7.00% – 15.50%
37 – 48 Months8.00% – 16.50%
Open End Loan Rate 8.25%
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VISA Credit Card

TypeAnnual Percentage RateNotes
Visa Credit Card Rate9.99% – 16.99%(Beacon score determines rate)
Platinum Visa Credit Card7.49%Solid Rate (Includes balance transfers)
Visa rates may change to a default rate in the event of delinquency, see VISA disclosure.
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Regular Loanliner Variable Rate Loans

Regular Loanliner Variable Rate Loans are at Wall Street Journal Prime + 3%

Rate adjusts quarterly & changes on the first day of April, July, October, & January
Payments @ $16.00 per $500.00 owed/never less than $20.00 per month.
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Maximum Signtaure Loan Amount

Maximum Signtaure Loan amount is $10,000.00 not to exceed 20% of your Gross Annual Income (i.e, gross annual income is $30,000, then 20% of that is $6000.00).
Your Beacon Score will determine if you can borrow up to $10,000.00 and your gross annual income.
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Maximum Loan for any member

Maximum Loan for any member is $500,000.00 (Mortgage included) Home Equity Loans – Call the credit union for the current rate Speak to Robin or Terry for quote (757-388-3834)
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Have Questions? No Problem

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