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 3.49%APR, the monthly payment will be $22.36. 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. |
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Loan Type | Max Amount Financed | Term | APR (as low as) § |
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Used Auto | up to 125% | 72 Months | 4.99%† |
Used Auto | up to 125% | 60 Months | 4.49%† |
Used Auto | up to 125% | 48 Months | 3.49%† |
New Auto | up to 125% | 96 Months | 6.99%† |
New Auto | up to 125% | 84 Months | 5.74%† |
New Auto | up to 125% | 72 Months | 4.99%† |
New Auto | up to 125% | 60 Months | 4.49%† |
New Auto | up to 125% | 48 Months | 3.49%† |
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Home Loans
*APR= Annual Percentage Rate. POPA Federal Credit Union (NMLS#852741) provides mortgage loans through a partnership with Land Home Financial Services, F.A. NMLS# 1796. Rates change daily, please click here for today’s rates. |
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Loan Type | Points | APR* |
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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 3/22/2023, 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. |
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Loan Type | Max Amount Financed | Term | APR (as low as)§ |
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Home Equity Loan – Fixed | up to 80% CLTV | 1 to 10 years | 8.00%* |
Home Equity Loan – Fixed | up to 80% CLTV | 11 to 20 years | 9.00%* |
Home Equity Loan – Fixed | over 80.01% up to 90.00% CLTV | 1 to 10 years | 9.00%* |
Home Equity Loan – Fixed | over 80.01% up to 90.00% CLTV | 11 to 20 years | 10.00%* |
Home Equity Line of Credit – Variable | up to 80% CLTV | Revolving | 8.00%* |
Call us today to apply at 562.229.9181, or 800.369.7672.
RV & Motorhome Loans
Payment example: $23.25 per month for every $1,000 borrowed as an RV & Motorhomes Loan at 5.49% APR with a 48 month term. |
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Loan Type | Max Amount Financed | Term | APR (as low as)§ |
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RV & Motorhome | up to 100% | 48 Months | 5.49%† |
RV & Motorhome | up to 100% | 60 Months | 6.49%† |
RV & Motorhome | up to 100% | 72 Months | 6.99%† |
RV & Motorhome | up to 100% | up to 180 Months | 7.74%† |
Apply Online
Boat Loans
Payment example: $23.25 per month for every $1,000 borrowed as a Boat Loan at 5.49% APR with a 48 month term. |
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Loan Type | MAX Amount Financed | Term | APR (as low as)§ |
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Boat | up to 100% | 48 Months | 5.49%† |
Boat | up to 100% | 60 Months | 6.49%† |
Boat | up to 100% | 72 Months | 6.99%† |
Boat | up to 100% | up to 180 Months | 7.74%† |
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ATV & Watercraft Loans
Payment example: $24.64 per month for every $1,000 borrowed as an ATV & Watercraft Loan at 8.49% APR with a 48 month term. |
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Loan Type | MAX Amount Financed | Term | APR (as low as)§ |
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ATV & Watercraft | up to 90% | 48 Months | 8.49%† |
ATV & Watercraft | up to 90% | 60 Months | 9.49%† |
ATV & Watercraft | up to 90% | 72 Months | 9.99%† |
Apply Online
Motorcycle Loans
Payment example: $22.80 per month for every $1,000 borrowed as a Motorcycle Loan at 4.49% APR with a 48 month term. |
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Loan Type | MAX Amount Financed | Term | APR (as low as)§ |
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Motorcycle (Dual Sport Qualifies under Off-Road/ATV Vehicle Rates) | up to 125% | 48 Months | 4.49%† |
Motorcycle (Dual Sport Qualifies under Off-Road/ATV Vehicle Rates) | up to 125% | 60 Months | 5.49%† |
Motorcycle (Dual Sport Qualifies under Off-Road/ATV Vehicle Rates) | up to 125% | 72 Months | 5.99%† |
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Personal Loans
Payment example: $21.01 per month for every $1,000 borrowed as a Signature Loan at 9.49% 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 creditworthiness, term, and the amount financed. Rates and terms are subject to change without notice. †. The rates shown reflects a Relationship Benefits discount of 0.25% 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 $2,500 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 16.99% APR for 24 months, the monthly payment would be $24.72. 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. |
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Loan Type | Loan Amount | Term | APR (as low as) § |
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Signature | Up to $15,000.00 | Up to 60 Months | 9.49%† |
Signature | $15,000.01 to $30,000.00 | Up to 84 Months | 10.49%† |
Special Debt Consolidation | Up to $30,000.00 | Up to 60 Months | 9.49%† |
Patrol & Gear | Up to $5,000.00 | Up to 48 Months | 4.99%† |
Share Secured‡ | N/A | Up to 60 Months | Share Rate +3.00% |
SHIELD | Up to $3,500.00 | 6 to 24 Months | Fixed 16.99%* |
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. |
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Card Type | Maximum Line of Credit | Term | APR (as low as))§ |
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Share Secured VISA® ‡ | $500.00 – $10,000.00 | Revolving | 6.00% |
Cash Rewards VISA® | $500.00 – $30,000.00 | Revolving | 12.75%* |
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.