Loan Rates
Life is expensive enough. That's why we do everything possible to keep your costs down.
Whether you're buying a home, financing a vehicle, or getting a loan for some other reason, we offer competitive rates that can be your budget's best friend.
This is another shining example of how you benefit from our not-for-profit status. Consumer-friendly rates limit your overall interest charges, leaving more money for everything else you and your family need.
Effective Date: November 1, 2025
| Type | Rates as low as (APR*) | Rate Type | Term |
|---|---|---|---|
| Personal Line of Credit1 | 11.00% APR | Variable | No Set Term |
| Personal Loan2 | 9.99% APR | Fixed | up to 60 months |
| Lift Credit Builder3 | 5.00% APR | Fixed | up to 36 months |
The rate examples, current as of 11/1/25, are Everwise Credit Union's best rate and subject to change without notice. All loans are subject to credit approval and membership requirements. APR = Annual Percentage Rate:
1 Personal Line of Credit: Rates vary with Prime and can change monthly.
2 Personal Loan: If you borrowed $2,000 at 9.99% APR for 12 months, you would have 11 payments of $176.57 and a final payment of $176.53.
3 Lift Credit Builder: Fixed-rate, secured-term loan. Using the loan amount, the money is placed in your Share account and pledged. As payments are made, the pledged amount is reduced. If your payment is late, on the 26th day, the money in your Share account will be used to pay off the loan. Minimum borrowed amount is $500. If you borrowed $2,000 at 5.00% APR for up to 36 months, your payment would be $60.07.
Auto Purchase Loans
Effective Date: November 1, 2025
| Type | Rates as low as (APR*) | Term |
|---|---|---|
| New (2024 & Newer) | 7.39% APR | 60 mo |
| Used (2022-2023) | 7.79% APR | 60 mo |
| Used (2020 - 2021) | 7.99% APR | 60 mo |
| Used (2017-2019) | 8.19% APR | 60 mo |
| Used (2013-2016) | 8.59% APR | 36 mo |
Based on borrowing $10,000 for 60 mo, the following payments and costs would apply:
New (2024 & Newer): 7.39% APR, 59 payments of $200.48 and a final payment of $199.93 with a total finance charge of $2,028.25.
Used (2022-2023): 7.79% APR, 59 payments of $202.42 and a final payment of $202.02 with a total finance charge of $2,144.80.
Used (2020 - 2021): 7.99% APR, 59 payments of $203.40 and a final payment of $202.69 with a total finance charge of $2,203.29.
Used (2017-2019): 8.19% APR 59 payments of $204.37 and a final payment of $204.30 with a total finance charge of $2,262.13.
Used (2013-2016): 8.59% APR 35 payments of $317.23 and a final payment of $316.90 with a total finance charge of $1,419.95.
Auto Refinance Loans
Learn MoreEffective Date: October 1, 2025
| Type | Rates as low as (APR*) | Term | Payment sample for $10,000 loan |
|---|---|---|---|
| Auto (2024 & Newer) | 5.89% APR | 60 mo | $193.25 |
| Auto (2021-2023) | 6.29% APR | 60 mo | $195.15 |
| Auto (2017-2020) | 6.69% APR | 60 mo | $197.06 |
| Auto (2013-2016) | 7.09% APR | 36 mo | $310.02 |
New/Used Motorcycle Loans
Effective Date: November 1, 2025
| Type | Rates as low as (APR*) | Term |
|---|---|---|
| New (2024 & Newer) | 7.69% APR | 60 mo |
| Used (2017-2023) | 8.29% APR | 60 mo |
| Used (2013-2016) | 8.99% APR | 36 mo |
Based on borrowing $10,000 for 60 mo, the following payments and costs would apply:
New (2024 & Newer): 7.69% APR, 59 payments of $201.93 and a final payment of $201.82 with a total finance charge of $2,115.69.
Used (2017-2023): 8.29% APR, 59 payments of $204.86 and a final payment of $204.79 with a total finance charge of $2,291.53.
Used (2013-2016): 8.99% APR, 36 payments of $319.14 and a final payment of $319.14 with a total finance charge of $1,489.04.
Effective Date: November 1, 2025
| Home Equity Loan | Rates as low as (APR*) | Rate Type | Loan to Value |
|---|---|---|---|
| 60 months | 7.00% APR | Fixed | Up to 70% |
| 120 months | 7.50% APR | Fixed | Up to 70% |
| 180 months | 8.00% APR | Fixed | Up to 70% |
Effective 11/1/2025. Qualified members can finance 90% loan to value (less outstanding mortgage). Rates subject to change without notice. The actual interest rate offered is based on your credit history, product, loan term, and the percentage of remaining equity in your home. With $0 closing cost and loan fees, your rate will equal your APR. If a full internal/external appraisal is required or requested, you will be required to pay the appraisal fee up to $750.
1 60 month term: $25,000 borrowed, 59 payments of $494.90 with a final payment of $494.35 and a total finance charge of $4,693.45.
2 120 month term: $25,000 borrowed, 59 payments of $296.70 with a final payment of $295.91 and a total finance charge of $10,603.21.
3 180 month term: $50,000 borrowed, 59 payments of $477.77 with a final payment of $476.59 and a total finance charge of $35,997.42.
Effective Date: November 1, 2025
| Home Equity Line of Credit | Rates as low as (APR*) | Rate Type | Term | Loan to Value |
|---|---|---|---|---|
| Prime Equity Line | 7.00% APR | Variable | 10-year draw period followed by a 10-year amortized repayment period | Up to 80% |
| Equity Line Plus | 7.50% APR | Variable | 10-year draw period followed by a 10-year amortized repayment period | Up to 90% |
Effective 11/1/25. Minimum loan amount $10,000. Current APR is subject to change without notice. Term is a 10-year draw period followed by a 10-year amortized repayment period. If you make the minimum monthly payment during the term of your loan on or before the due date, the loan will be paid in full after the repayment period ends.
A Home Equity Line of Credit is a variable-rate product. Rates adjust monthly based on the Prime Rate as published in the Wall Street Journal, and can vary to a low of 3.00% to a maximum of 12.00% (subject to change).
Payment Options During Draw Period:
1) 1.00% of the outstanding balance, or interest due, or $50 (whichever is greater), OR
2) The greater of monthly interest due or $50 for qualified members
1) 1.00% of the outstanding balance, or interest due, or $50 (whichever is greater), OR
2) The greater of monthly interest due or $50 for qualified members
Qualified members can finance up to Up to 80% of home's value (less outstanding mortgage).
Qualified members can finance up to Up to 90% of home's value (less outstanding mortgage).
Effective Date: November 1, 2025
| Card Type | Rates | Points Earned on Purchases |
|---|---|---|
| Everwise Visa® Platinum | 0.00% intro rate for first 6 months from the date account is opened, then 11.25%, 13.25%, 15.25%, 17.25%, or 21.25% (based on your creditworthiness) for purchases and balance transfers applies. | N/A |
| Everwise Visa® Signature Rewards | 0.00% intro rate for first 6 mos from the date account is opened, then 15.25%, 17.25%, or 19.25% (based on your creditworthiness) for purchases and balance transfers applies. | 1.5 pts. per dollar spent on eligible purchases |
| Everwise Visa® Accelerate | 19.99% APR fixed rate. | N/A |
Eligibility subject to membership requirements. See Everwise Visa Credit Cards agreement and our credit cards page for interest rate/fee disclosures information.
Effective Date: November 1, 2025
| Type | Rates as low as (APR*) | Term |
|---|---|---|
| New (2023 & Newer) | 8.19% APR | 60 mo |
| Used (2016-2022) | 8.79% APR | 60 mo |
| Used (2013-2015) | 9.39% APR | 60 mo |
Qualified members can finance up to 100%. Effective 11/1/2025. Based on borrowing $50,000, the following payments and costs would apply:
New (2023 & Newer): 8.19% APR, 59 payments of $1,021.85 and a final payment of $1,021.37 with a total finance charge of $11,310.52.
Used (2016-2022): 8.79% APR, 59 payments of $1,036.61 and a final payment of $1,036.31 with a total finance charge of $12,196.30.
Used (2013-2015): 9.39% APR, 59 payments of $1,051.50 and a final payment of $1,051.27 with a total finance charge of $13,089.77.
Rates shown do not include a 0.25% discount available to qualified members with Advantage, Ultimate or World checking accounts. See Products and Services Details for more information.Rates shown do not include a 0.25% discount for qualified members with Advantage, Ultimate or World checking accounts.
Disclaimer
*APR = Annual Percentage Rate. All loans are subject to credit approval and membership eligibility requirements. Borrower must be a resident of Indiana or Michigan. All credit union programs, rates, terms, and conditions may change without notice. Actual APR will vary based on borrower's creditworthiness and underwriting factors.
*APR = Annual Percentage Rate. All loans are subject to credit approval and membership eligibility requirements. Borrower must be a resident of Indiana or Michigan. All credit union programs, rates, terms, and conditions may change without notice. Actual APR will vary based on borrower's creditworthiness and underwriting factors.