Car and Truck Rates
Effective April 1st, 2026
| 36-48 Months | 49-66 Months | 67-75 Months | 76-84 Months | |
|---|---|---|---|---|
| 2022-2026 | 4.49% APR | 4.99% APR | 5.49% APR | 6.49% APR |
| 2019-2021 | 5.29% APR | 5.49% APR | 6.29% APR | 6.99% APR |
| 2010-2018 | 6.99% APR | 7.49% APR | ||
| 2009 and Below* | 8.49% APR |
We will finance classic cars—Call Brett Cain for details.
*Extended terms available-up to 120 Months*.
Motorcycle, Rec Vehicle Loan Rates
Effective April 1st, 2026
| Year | 36-48 Months | 49-66 Months | 67-75 Months | 76-84 Months |
|---|---|---|---|---|
| 2022-2026 | 6.49% APR | 6.49% APR | 6.79% APR | 7.29% APR |
| 2019-2021 | 6.49% APR | 6.79% APR | 7.29% APR | |
| 2014-2018 | 7.99% APR | 8.29% APR | ||
| 2004-2013 (Inspection may be required) | 11.49% APR | |||
| Vintage (Inspection may be required) | 10.49% APR |
| Year | Rate |
|---|---|
| 2023-2025 up to 84 Months | 6.99 APR |
| 2020-2022 up to 84 Months | 7.49 APR |
| 2018-2019 up to 84 Months | 7.99 APR |
| 2012-2017 up to 72 Months | 8.49 APR |
| 2011 and Older up to 60 Months | 9.89 APR |
Boat Loan 2022-2026 ModelsRates
Effective April 1st, 2026
| Rate | |
|---|---|
| 36-48 Months | 7.25% APR |
| 49-66 Months | 7.49% APR |
| 67-75 Months | 7.79% APR |
| 76-84 Months | 8.50% APR |
| 85-108 Months (Loan amount over $20K) | 9.25% APR |
| 109-144 Months (Loan amount over $60K) | 9.75% APR |
RV/Camper/Trailer 2022-2026 Models Loan Rates
Effective April 1st, 2026
| Year | Rate | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
Boat and RV 2021 and Prior Loan Rates
Effective April 1st, 2026
| Rate | |
|---|---|
| 36-48 Months | 8.25% APR |
| 49-66 Months | 8.99% APR |
| 67-75 Months | 9.25% APR |
| 78-84 Months | 9.75% APR |
*Extended terms available on high dollar RV’s and boats-up 120 months*.
Call Brett Cain for details at (260) 425-2324.
All Rates Effective April 1st, 2026
Signature Loans
Unsecured up to $25,000.00 9.99% Up to 60 Months
Unsecured Line of Credit
Maximum $10,000.00 13.50% Revolving
Home Improvement Loans-No Fees or Costs
Up to $25,000.00 7.99% Up to 84 Months
Secured by Share or Certificate
The greater of the certificate rate + 2% or 4%
Home Equity Line of Credit
Prime Rate – adjustable 15 year loan. Base at 4%
Mortgage Rates
Call Brett Cain in Ft. Wayne for pricing and availability at (260) 425-2324.
***Upon approval from Brett Cain, Power One FCU may match or beat the rate of other local financial institutions – dealer incentive programs EXCLUDED.
CBR must be at least 650 to match the rate.
***Risk Factor Premium
CBR 630 – 649 Add 1% to APR
CBR 600 – 629 Add 2% to APR
CBR 550 – 599 Add 4% to APR
CBR 549 – 500 Add 6% to APR
CBR 499 & below Add 8% to APR
Refinancing of vehicles by the same member within the Credit Union does NOT qualify until AFTER 12 months from the date of the original loan. Must include a MINIMUM of $1,500.00 new money, meet all other qualifications and new funds can NOT be used to pay off other loans to this Credit Union.
An exception may be granted to help relieve financial distress.
Exceptions to be approved by Brett Cain.
*APR = Annual Percentage Rate. Rate Based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.