Loan Rates


New Auto & Motorcycle Loans

Type Rates APR* Term (Months)
New Auto or Motorcycle As Low As 3.99% Up to 60 Months
New Auto or Motorcycle As Low As 4.25% Up to 72 Months (> $20,000)
New Auto or Motorcycle As Low As 4.25% Up to 84 Months (> $40,000)

*APR=Annual Percentage Rate. Ex: New Vehicle/Motorcycle Loan Amount=$15,000, Term=60 Months, APR=2.74%, Payment=$267.84. As low as rates are based credit history, credit qualifications, term of loan and approval. Actual rates will be determined by actual credit score and term of loan. Term of loan will be determined by amount borrowed. Rates, terms, and conditions may apply and are subject to change without notice. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.


Used Vehicles & Motorcycles

Type Rates APR* Term (Months)
Used Vehicle or Motorcycle As Low As 4.50% Up to 36 Months (> $3,000)
Used Vehicle or Motorcycle As Low As 4.50% Up to 48 Months (> $6,000)
Used Vehicle or Motorcycle As Low As 4.50% Up to 60 Months (> $10,000)
Used Vehicle or Motorcycle As Low As 4.99% Up to 72 Months (> $20,000)
Used Vehicle or Motorcycle As Low As 4.99% Up to 84 Months (> $40,000)

*APR=Annual Percentage Rate. Ex. Used Vehicle/Motorcycle Loan Amount=$15,000, Term=60 Months, APR=3.25%, Payment=$271.25. As low as rates are based credit history, credit qualifications, term of loan and approval. Actual rates will be determined by actual credit score and term of loan. Term of loan will be determined by amount borrowed. Rates, terms, and conditions may apply and are subject to change without notice. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.


Recreational Vehicle Loans

Type Rates APR* Term (Months)
New RV, Boat or ATV As Low As 5.24% Up to 24 Months
New RV, Boat or ATV As Low As 5.24% Up to 36 Months (> $3,000)
New RV, Boat or ATV As Low As 5.24% Up to 48 Months (> $6,000)
New RV, Boat or ATV As Low As 5.24% Up to 60 Months (> $10,000)
New RV, Boat or ATV As Low As 5.24% Up to 72 Months (> $20,000)
New RV, Boat or ATV As Low As 5.24% Up to 84 Months (> $ $40,000)
New RV, Boat or ATV As Low As 6.24% Up to 120 Months (> $40,000)
Used RV, Boat or ATV As Low As 6.24% Up to 24 Months
Used RV, Boat or ATV As Low As 6.24% Up to 36 Months (> $3,000)
Used RV, Boat or ATV As Low As 6.24% Up to 48 Months (> $6,000)
Used RV, Boat or ATV As Low As 6.24% Up to 72 Months (> $20,000)
Used RV, Boat or ATV As Low As 6.24% Up to 84 Months (> $40,000)
Used RV, Boat or ATV As Low As 7.24% Up to 120 Months (> $40,000)

*APR=Annual Percentage Rate. Ex: New RV, Boat, ATV Loan Amount+$15,000, Term Amount=60 Months, APR=3.74%, Payment=$274.55. As low as rates are based credit history, credit qualifications, term of loan and approval. Actual rates will be determined by actual credit score and term of loan. Term of loan will be determined by amount borrowed. Rates, terms, and conditions may apply and are subject to change without notice. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.


Secured Loans

Type Rates APR* Additional Info
Share Certificate Secured Current Share Certificate Rate Plus 1.00% (Fixed)
Share Secured (2.5% floor) Current Share Savings Rate Plus 1.00% Or 2.50% APR floor rate

*APR=Annual Percentage Rate. Share Savings Secured Loans are not credit score based. Actual rate will be 1.00% over the current Share Savings rate or a minimum of 2.50%. APR fixed, which is the lowest (Floor) rate available for this loan type. Term of loan will be determined by amount borrowed. Ex: Share Saving Secured Loan at (^^Floor Rate) Loan Amount=$10,000, Term=60 Months, APR=2.50%, Payment=$177.50. Share Certificate Secured Loans are not credit score based. Actual rate will be 1.00% over the current Share Certificate rate. Loan maturity date will not extend past Share Certificate maturity date. Ex: Share Certificate Loan Amount=$10,000, Term=60 Months, APR=3.10%, Payment=$180.14. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.


Home Equity Line of Credit

Type Rates APR* Additional Info
Home Equity Line of Credit - HELOC Please Call (800) 282-3006 (614) 431-0784

Call our office or click for HELOC Application and Disclosures [PDF].

Call (800) 282-3006 or 614-431-0784, option 5, during business hours to request an application or to request more information.

*APR=Annual Percentage Rate.


Personal Line of Credit

Type Rates APR* Additional Info
Education Line of Credit As Low As 8.50% --
Overdraft Line of Credit -- 15.00% (Rate not credit score based)
Signature Line of Credits As Low As 9.99% --

APR=Annual Percentage Rate. Signature Line of Credit, +Education Line of Credit - As low as rates are based on credit history, credit qualifications and approval. Actual rate will be determined by actual credit score. Rates are fixed for the life of the open plan and will not increase while plan is open. Overdraft Line of Credit Plans are not credit score based. Actual rate will be 15.00% APR for the life of the open plan. All borrowers subject to credit qualifications, approval and must have a checking account in good standing with SHPFCU. Overdraft Line of Credit limit is $500. Minimum Payment Calculation for Overdraft/LOC: The minimum payment will be $10.00 per month. Rates, terms, and conditions may apply and are subject to change without notice. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.


Mortgages

Type Rates APR* Term (Months)
Mortgage Loans Please Call (614) 431-0784 (800) 282-3006

Call (800)282-3006 or 614-431-0784, option 5, during business hours to request an application or to request more information.


Debt Restructure Loans

Type Rates APR* Term (Months)
Debt Restructure Loan As Low As 10.99% Up to 60 Months

*APR=Annual Percentage Rate. Debt Restructure Loans-As low as rate is based on credit history, credit qualifications, and approval. Actual rate will be determined by actual credit score. Term of loan will be determined by amount borrowed. Maximum limit is $20,000. All consolidated debt must be paid off and closed with this loan program. Rates, terms, and conditions may apply and are subject to change without notice. Ex:Debt Restructure Loan Amount=$20,000, Term=60 Months, APR=10.99%, Payment=$434.98. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.


Untitled Collateral

Type Rates APR* Term (Months)
Untitled Collateral Loan As Low As 10.99% Up to 48 Months

*APR=Annual Percentage Rate. +++Untitled Collateral Loan-As low as rate is based on credit history, credit qualifications, term of loan and approval. Actual rate will be determined by actual credit score. Term of loan will be determined by amount borrowed. New collateral only. Maximum credit limit is $15,000. Rates, terms, and conditions may apply and are subject to change without notice. Ex: Untitled Collateral Loan Amount=$15,000, Term=48 Months, APR=10.99, Payment=$387.81. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.