Loan Rates

(Rates effective as of date)

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Auto Loans

Payment example: For a $1,000 Auto Loan for a term of 48 months with a 1.74%APR, the monthly payment will be $21.58. Extended terms are available (up to 96 months) at higher rates. 96 months are not available for Experian Fico scores 649 and below. Minimum loan amount finance of $50,000 is required for a 96 month extended term.Contact the credit union for details.
§ 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) §
Used Auto up to 125% 72 Months 2.49%†
Used Auto up to 125% 60 Months 1.99%†
Used Auto up to 125% 48 Months 1.74%†
New Auto up to 125% 96 Months 4.99%†
New Auto up to 125% 84 Months 3.74%†
New Auto up to 125% 72 Months 2.49%†
New Auto up to 125% 60 Months 1.99%†
New Auto up to 125% 48 Months 1.74%†

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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. The advertised rate is our lowest rate available, effective as of 06/01/2020, this rate is subject to change without notice. HELOC features a variable rate based on the Prime Rate as published in The Wall Street Journal plus a margin. The APR is subject to change and may increase after consummation. The maximum APR is 18%. Minimum credit limit is $10,000; Maximum credit limit is $250,000. Maximum combined loan to value (CLTV) of up to 80%.

Closing costs range from $200 to $1200 to open a HELOC. Call us for details on how POPA FCU can pay all closing costs. Property insurance is required, and flood insurance is required where necessary. Consult a tax advisor regarding the deductibility of interest and charges. Rates, program terms and conditions are subject to change without notice. Other restrictions and limitations may apply. NMLS # 852741.

Loan Type Max Amount Financed Term APR (as low as)§
Home Equity Loan – Fixed up to 80% CLTV 1 to 10 years 3.25%*
Home Equity Loan – Fixed up to 80% CLTV 11 to 20 years 4.25%*
Home Equity Loan – Fixed over 80.01% up to 90.00% CLTV 1 to 10 years 4.25%*
Home Equity Loan – Fixed over 80.01% up to 90.00% CLTV 11 to 20 years 5.25%*
Home Equity Line of Credit – Variable up to 80% CLTV Revolving 3.25%*

Call us today to apply at 562.229.9181, or 800.369.7672.

RV & Motorhome Loans

Payment example: $22.46 per month for every $1,000 borrowed as an RV & Motorhomes Loan at 3.74% 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 up to 100% 48 Months 3.74%†
RV & Motorhome up to 100% 60 Months 3.99%†
RV & Motorhome up to 100% 72 Months 4.49%†
RV & Motorhome up to 100% up to 180 Months 5.74%†

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Boat Loans

Payment example: $22.46 per month for every $1,000 borrowed as a Boat Loan at 3.74% 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 up to 100% 48 Months 3.74%†
Boat up to 100% 60 Months 3.99%†
Boat up to 100% 72 Months 4.49%†
Boat up to 100% up to 180 Months 5.74%†

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ATV & Watercraft Loans

Payment example: $19.68 per month for every $1,000 borrowed as an ATV & Watercraft Loan at 6.74% 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. Dual sport motorcycles fall under Off-Road/ATV vehicle rates.
† 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 up to 90% 48 Months 6.74%†
ATV & Watercraft up to 90% 60 Months 6.99%†
ATV & Watercraft up to 90% 72 Months 7.49%†

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Motorcycle Loans

Payment example: $22.02 per month for every $1,000 borrowed as a Motorcycle Loan at 2.74% 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. Dual sport motorcycles fall under Off-Road/ATV vehicle rates.
† 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 (Dual Sport Qualifies under Off-Road/ATV Vehicle Rates) up to 125% 48 Months 2.74%†
Motorcycle (Dual Sport Qualifies under Off-Road/ATV Vehicle Rates) up to 125% 60 Months 2.99%†
Motorcycle (Dual Sport Qualifies under Off-Road/ATV Vehicle Rates) up to 125% 72 Months 3.49%†

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Personal Loans

Payment example: $20.49 per month for every $1,000 borrowed as a Signature Loan at 8.45% 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 $3,500, 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 a minimum direct deposit of $250 a month 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 $3,500. Terms available from 6 to 24 months. Payment example: For every $500 borrowed at 15.99% APR for 24 months, the monthly payment would be $24.48. The member may only have one (1) active POPA SHIELD Loan at any given time and must be the Primary Member on the account. Relationship Benefits are not applicable. POPA FCU does not accept online applications for SHIELD Loans.

**A non-refundable application fee of $20.00 will be collected at the time of application. Terms range from a minimum of one (1) month to a maximum of six (6) months. Interest rate of 28.00% APR; relationship benefits discounts are not applicable. Rates and terms are subject to change without notice. Borrower must have and maintain direct deposit of their next paycheck into an account at POPA FCU (minimum direct deposit of $500.00 per month) or, payroll deduction to make the required loan payment. POPA FCU does not accept online applications for PAL Loans.

Loan Type Loan Amount Term APR (as low as) §
Signature Up to $15,000.00 Up to 60 Months 8.45%†
Special Debt Consolidation Up to $30,000.00 Up to 60 Months 7.45%†
Patrol & Gear Up to $5,000.00 Up to 60 Months 7.45%†
Share Secured ‡ N/A Up to 60 Months Share Rate +3.00%
SHIELD Up to $3,500.00 6 to 24 Months Fixed 15.99*
PAL Up to $1,000 Up to 6 Months Fixed 28.00**

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.
*Your rate may vary, based on your credit worthiness, between the APR range quoted above. Your APR may increase in the future.The APR will vary with the market based on the prime rate. APR for purchases, cash advances and balance transfers can range from 8.25% to 18.00%. POPA reserves the right to adjust the balance rewards prior to posting to account. The following benefits are included with your VISA Cash Rewards: auto rental collision damage waiver, roadside dispatch, cardholder inquiry service, emergency cash disbursement, emergency card replacement, lost/stolen card reporting, travel accident insurance $250,000 and travel emergency assistance. For full details about the card benefits,
please refer to the disclosures that will accompany your Consumer Credit Card Agreement.
‡. 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® ‡ $500.00 – $10,000.00 Revolving 6.00%
Cash Rewards VISA® $500.00 – $30,000.00 Revolving 8.25%*
VISA® Bulldogs $500.00 – $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.