Loan Rates

(Rates effective as of July 1, 2017)

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Auto Loans

Payment example:$17.64 per month for every $1,000 borrowed as an Auto Loan at 2.24% APR with a 60 month term.
§ APR=Annual Percentage Rate. All rates are quoted on approved credit as Annual Percentage Rates (APRs). Some restrictions may apply. Loan approval subject to credit and income evaluation. Consumer loan rates may vary, depending on credit worthiness, term, and the amount financed. Rates and terms are subject to change without notice.
† The rates shown reflects a Relationship Benefits discount of 0.50% for members with a POPA FCU direct deposit (Minimum $250 per month), or an automatic payment and; an additional 0.25% discount for enrolling into eStatements and have a POPA Credit Card.

Loan Type Max Amount Financed Term APR (as low as)§
New Auto 125% 48 Months 1.24%†
New Auto 125% 60 Months 1.49%†
New Auto 125% 72 Months 1.99%†
New Auto 125% 84 Months 2.49%†
Used Auto 125% 48 Months 1.24%†
Used Auto 125% 60 Months 1.49%†
Used Auto 125% 72 Months 1.99%†

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Home Loans

*APR= Annual Percentage Rate. POPA Federal Credit Union (NMLS#852741) provides mortgage loans through a partnership with CU Members Mortgage, a division of Colonial Savings, F.A. NMLS#401285. Rates change daily, please click here for today’s rates.

Loan Type Points APR*
30 Year Fixed (Conventional) 0.00% Click here for today’s rate.
15 Year Fixed Rate (Conventional) 0.00% Click here for today’s rate.
10 Year Fixed Rate (Conventional) 0.00% Click here for today’s rate.
FHA 30 Year Fixed Rate 0.00% Click here for today’s rate.
Federal VA 30 Year Fixed Rate 0.00% Click here for today’s rate.

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Home Equity Loans

§. APR = Annual Percentage Rate.
†. Closing Costs (typically ranging from $200-$1500) will apply in the event the Loan is closed within the first 3 years, or if the minimum daily balance requirement is not met during the first 3 years. . Contact the Credit Union for more details.
‡. Margin as low as 0.00% and as high as 4.00%.Closing Costs (typically ranging from $200-$1500) will apply in the event the Line is closed within the first 3 years, or if the minimum daily balance requirement is not met during the first 3 years. $50 annual fee on our Equity Line. Contact the Credit Union for more details.

Loan Type Max Amount Financed Term APR (as low as)§
Home Equity Loan up to 80% CLTV up to 7 years 5.25%†
Home Equity Loan up to 80% CLTV 8 to 15 years 6.25%†
Home Equity Line of Credit up to 80% CLTV Revolving 4.25% (Prime + Margin‡)

Call us today to apply at 562.229.9181, or 800.369.7672.

RV & Motorhome Loans

Payment example: $18.87 per month for every $1,000 borrowed as an RV & Motorhomes Loan at 4.99% APR with a 60 month term.
§ APR=Annual Percentage Rate. All rates are quoted on approved credit as Annual Percentage Rates (APRs). Some restrictions may apply. Loan approval subject to credit and income evaluation. Consumer loan rates may vary, depending on credit worthiness, term, and the amount financed. Rates and terms are subject to change without notice.
† The rates shown reflects a Relationship Benefits discount of 0.50% for members with a POPA FCU direct deposit (Minimum $250 per month), or an automatic payment and; an additional 0.25% discount for enrolling into eStatements and have a POPA Credit Card.

Loan Type Max Amount Financed Term APR (as low as)§
RV & Motorhome 100% 48 Months 2.24%†
RV & Motorhome 100% 60 Months 2.49%†
RV & Motorhome 100% 72 Months 2.99%†
RV & Motorhome 100% up to 180 Months 3.49%†

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Boat Loans

Payment example: $18.87 per month for every $1,000 borrowed as a Boat Loan at 4.99% APR with a 60 month term.
§ APR=Annual Percentage Rate. All rates are quoted on approved credit as Annual Percentage Rates (APRs). Some restrictions may apply. Loan approval subject to credit and income evaluation. Consumer loan rates may vary, depending on credit worthiness, term, and the amount financed. Rates and terms are subject to change without notice.
† The rates shown reflects a Relationship Benefits discount of 0.50% for members with a POPA FCU direct deposit (Minimum $250 per month), or an automatic payment and; an additional 0.25% discount for enrolling into eStatements and have a POPA Credit Card.

Loan Type MAX Amount Financed Term APR (as low as)§
Boat 100% 48 Months 2.24%†
Boat 100% 60 Months 2.49%†
Boat 100% 72 Months 2.99%†
Boat 100% up to 180 Months 3.49%†

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ATV & Watercraft Loans

Payment example: $19.81 per month for every $1,000 borrowed as an ATV & Watercraft Loan at 6.99% APR with a 60 month term.
§ APR=Annual Percentage Rate. All rates are quoted on approved credit as Annual Percentage Rates (APRs). Some restrictions may apply. Loan approval subject to credit and income evaluation. Consumer loan rates may vary, depending on credit worthiness, term, and the amount financed. Rates and terms are subject to change without notice.
† The rates shown reflects a Relationship Benefits discount of 0.50% for members with a POPA FCU direct deposit (Minimum $250 per month), or an automatic payment and; an additional 0.25% discount for enrolling into eStatements and have a POPA Credit Card.

Loan Type MAX Amount Financed Term APR (as low as)§
ATV & Watercraft 90% 48 Months 6.24%†
ATV & Watercraft 90% 60 Months 6.49%†
ATV & Watercraft 90% 72 Months 6.99%†

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Motorcycle Loans

Payment example: $18.87 per month for every $1,000 borrowed as a Motorcycle Loan at 4.99% APR with a 60 month term.
§ APR=Annual Percentage Rate. All rates are quoted on approved credit as Annual Percentage Rates (APRs). Some restrictions may apply. Loan approval subject to credit and income evaluation. Consumer loan rates may vary, depending on credit worthiness, term, and the amount financed. Rates and terms are subject to change without notice.
† The rates shown reflects a Relationship Benefits discount of 0.50% for members with a POPA FCU direct deposit (Minimum $250 per month), or an automatic payment and; an additional 0.25% discount for enrolling into eStatements and have a POPA Credit Card.

Loan Type MAX Amount Financed Term APR (as low as)§
Motorcycle 125% 48 Months 2.24%†
Motorcycle 125% 60 Months 2.49%†
Motorcycle 125% 72 Months 2.99%†

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Personal Loans

Payment example: $19.91 per month for every $1,000 borrowed as a Signature Loan at 7.20% APR with a 60 month term.

§. APR=Annual Percentage Rate. All rates are quoted on approved credit as Annual Percentage Rates (APRs). Some restrictions may apply. Loan approval subject to credit and income evaluation. Consumer loan rates may vary, depending on credit worthiness, term, and the amount financed. Rates and terms are subject to change without notice.

†. The rates shown reflects a Relationship Benefits discount of 0.50% for members with a POPA FCU direct deposit (Minimum $250 per month), or an automatic payment and; an additional 0.25% discount for enrolling into eStatements and have a POPA Credit Card.

‡. With a Share Secured loan, the total amount of money available as a loan to you is based on the amount that you currently keep in your share account and POPA will hold those funds until the balance of the loan is paid in full. Click here for more details.

  • For amounts greater than $1,500 but up to $2,500, the borrower must be employed for more than 24 months and also have been a member of the credit union a minimum of 30 days at the time of application. The borrower must be employed by the Los Angeles County Sheriff’s Department or Los Angeles District Attorney Investigators at time of funding. Some restrictions may apply. Borrower must have direct deposit over $250 into an account at POPA FCU or, payroll deduction to make the required loan payments. Verification income (e.g. two recent paycheck stubs) is required. Rates, terms, and conditions are subject to change without notice. The minimum loan amount is $500. The maximum loan amount is $2,500. Terms available from 6 to 18 months. Payment example: For every $500 borrowed at 13.99% APR for 18 months, the monthly payment would be $30.96. The member may only have one (1) active POPA SHIELD Loan at any given time and must be the Primary Member on the account.
Loan Type Loan Amount Term APR (as low as) §
Signature Up to $15,000.00 Up to 60 Months 7.20%†
Special Debt Consolidation Up to $30,000.00 Up to 60 Months 6.20%†
Patrol & Gear Up to $5,000.00 Up to 60 Months 6.20%†
Share Secured ‡ N/A Up to 60 Months Share Rate +3.00%

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VISA® Credit Cards

§. APR=Annual Percentage Rate. All rates are quoted on approved credit as Annual Percentage Rates (APRs). Some restrictions may apply. Loan approval subject to credit and income evaluation. Consumer loan rates may vary, depending on credit worthiness, term, and the amount financed. Rates and terms are subject to change without notice.
‡. With a Share Secured VISA, the total amount of money available as a line of credit to you is based on the amount you currently keep in your share account and POPA will hold these funds while you keep the line of credit active. Click here for more details.

Card Type Maximum Line of Credit Term APR (as low as))§
Share Secured VISA® ‡ $10,000.00 Revolving 6.00%
VISA® Classic $4,999.99 Revolving 8.90%
VISA® Platinum $10,000.00 – $20,000.00 Revolving 8.90%
VISA® Bulldogs $1,000.00 Revolving 13.90%

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Rates and programs are subject to change without notice. Please call the POPA office nearest you for our most current rates.