Loan Rates

Rates effective as of

New and Used Auto Loans

 Term (Months) APR As Low As* 
Up to 36 4.74%
37 - 48 4.99%
49 - 60 5.24%
61 - 72 5.49%
73 - 84 6.49%
*APR = Annual Percentage Rate. Rates disclosed above are the lowest rates available and require direct deposit with Parda Federal Credit Union. For qualified borrowers. Rate and term may vary based on credit score, year of collateral and loan-to-value. Approximate monthly payment example -$29.86 per $1,000 borrowed at 4.74% for 36 months. Rates and terms are subject to change at any time.

Recreational Vehicles:

RVs | Boats | Motorcycles
 Term (Months)  APR As Low As*
Up to 60 6.24%
61 - 120 6.49%
121 - 180 6.99%**
*APR = Annual Percentage Rate. Rates disclosed above are the lowest rates available and require direct deposit with Parda Federal Credit Union. For qualified borrowers. Rate and term may vary based on credit score, year of collateral and loan-to-value. Approximate monthly payment example - $11.35 per $1,000 borrowed at 6.49% for a term of 120 months. Rates and terms are subject to change at any time. 
**Minimum loan amount required for this term and is available based on individual credit history. 

Personal Loans

 Type  APR As Low As*
Closed End 9.70%
 
*APR = Annual Percentage Rate. Rate disclosed above is the lowest rate available and requires direct deposit with Parda Federal Credit Union. For qualified borrowers. Approximate monthly payment example - $21.10 per $1,000 borrowed at 9.70% for 60 months. Rate and term may vary based on credit score. Rates and terms are subject to change at any time. 

Lines of Credit

Type APR As Low As*
Parda Premier Line of Credit Prime rate plus a margin**
Freedom Line of Credit 14.95%***
 
*APR = Annual Percentage Rate. For qualified borrowers. Product and rate based on credit score and ability to repay. Rates are subject to change at any time.
**Rate is variable, based on Prime, plus a margin. Prime rate, as stated in the Wall Street Journal is 6.75% effective 12.10.2025. Payment amount based on 2% per $100 of the outstanding balance. Minimum payment $30.00. Minimum credit line $5,000. Minimum credit score 640 required.
***Payment amount $3.50 per $100, based on the outstanding balance. Minimum payment $35.00. Minimum credit line $500.00

Share/Certificate Secured Loans

APR As Low As* Collateral Rate + 2.000%
 
* APR = Annual Percentage Rate. Rate disclosed above is the lowest rate available and requires direct deposit with Parda Federal Credit Union. Approximate monthly payment of $17.55 per $1,000 borrowed at 2.01% for 60 months. Rates and terms are subject to change at any time. 

Home Equity Line of Credit

LTV APR As Low As*
80% LTV and Below Prime*
81% - 85% LTV Prime + 0.50%
86% - 90% LTV Prime + 1.00%
91% - 95% LTV Prime + 1.50%

* APR = Annual Percentage Rate. Rate is variable, based on the Prime Rate as stated in the Wall Street Journal (6.75% effective 12.10.2025) and adjusts quarterly. A HELOC monthly payment is based on 1% of the balance or $10.00 – whichever is greater. For qualified borrowers. Rate may vary based on credit score, loan-to-value of property and ability to repay. 
No Costs. 15-year draw period, which may result in a balloon payment. Minimum Rate 4%, Maximum Rate 18%. Refer to Wall Street Journal for stated Prime Rate.
Direct deposit discounted rate does not apply to Home Equity loans. 

Fixed Rate Term Home Equity Loan

Max Term APR As Low As*
60 Months 6.75%
84 Months 7.00%
120 Months 7.25%
144 Months 7.50%
180 Months 8.00%

*APR = Annual Percentage Rate. For qualified borrowers. Rate may vary based on credit score, loan-to-value of property and ability to repay. Approximate monthly payment example - $19.69 per $1,000 borrowed at 6.75% for a term of 60 months. This term is available based on individual credit worthiness.
Direct deposit discounted rate does not apply to Home Equity loans. 

First Lien Home Equity Loan

 Max Term APR As Low As* 
120 Months 6.00%
180 Months 6.375%
    
*APR = Annual Percentage Rate. For qualified borrowers. Rate may vary based on credit score, loan-to-value of property and ability to repay. Approximate monthly payment example - A loan amount of $25,000 at 120 months with up to 80% Loan-to-Value and a rate as low as 6.00% would be approx. $277.58/month.
Direct deposit discounted rate does not apply to Home Equity loans. 

Mortgage Loans

We partner with Member First Mortgage (MFM) to provide you with a great selection of mortgage programs at competitive rates.

Check out our Mortgage Options for more information. 

Credit Builder Loan

Amount Term (Months) APR As Low As*
$500 - $3,000 6-12 11.75%
 
*APR=Annual Percentage Rate. Rate disclosed above is the lowest rate available and requires direct deposit with Parda Federal Credit Union. Rates and terms are subject to change at any time. Loan proceeds will be frozen in the account until the loan is paid in full. Once the loan is paid in full, the freeze will be removed and you may access the funds. Minimum loan amount is $500; maximum loan amount is $3,000. Approximate monthly payment example - $86.16 per month for $500 borrowed at a rate of 11.75% with a term of 6 months. Not a promise to lend; some restrictions apply. 















 
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