Argent Credit Union Loan Rates
Argent Credit Union Loan Rates
Rates listed are “as low as“, may vary based on credit qualifications and terms, and are subject to change at any time.
For more information, call us at (804) 748-9488 or (800) 943-3328.
Vehicle Loans
| Model Years 2018 – 2014 | |||
| APR | Terms | ||
| New & Used Cars, Trucks & Motorcycles | 2.49% | Up to 48 mons. | |
| 2.99% | 49 – 63 mons. | ||
| 3.49% | 64 – 75 mons. | ||
| 4.49% | 76 – 84 mons. | ||
| Model Years 2013 – 2010 | |||
| APR | Terms | ||
| Used Cars Trucks & Motorcycles | 2.99% | up to 48 mons. | |
| 3.49% | 49 – 63 mons. | ||
| 3.99% | 64 – 75 mons. | ||
| 4.99% | 76 – 84 mons. | ||
Boat & RV Loans
| New Boats & RVs 2018-2014 | |
| APR | Terms |
| 4.49% | up to 48 mons. |
| 4.99% | 49 – 75 mons. |
| 5.74% | 76 – 120 mons. ($30,000 minimum) |
| 6.99% | 121 – 180 mons. ($50,000 minimum) |
| Older Used Boats & RVs 2013-2008 | |
| APR | Terms |
| 5.49% | Up to 48 mons. |
| 5.99% | 49 – 75 mons. |
| 6.74% | 76 – 120 mons. ($30,000 minimum) |
Personal Loans & Lines of Credit
| Personal Loans & Lines of Credit | |||
| APR | Terms | ||
| Personal Loans | 8.74% | Up to 60 mns. | |
| Lines of Credit | 8.74% | Up to 36 mons. | |
Personal Loans: For example, if you financed $3,500 at 8.74% APR, you would have a monthly payment of $72.21 for 60 months.
Lines of Credit: For example, if you financed $3,500 at 8.74% APR, you would have a payment of $110.88 based on a 36 month term.
| Secured Loans | |||
| Terms | |||
| Savings Secured (Share Rate + 3% – Floor rate of 3%) | Up to 60 mns. | ||
| Certificate Secured (CD Rate +3%) | Up to 60 mons. | ||
| Credit Cards & Overdraft Protection | |||
| APR | Terms | ||
| VISA® Platinum | 9.49% | N/A | |
| Overdraft Protection | 15.00% | Up to 36 mons. | |
Credit Cards: The purchase APR is a variable rate which will be adjusted quarterly to an amount equal to the sum of (i) the Eastern Edition of the Wall Street Journal’s prime rate plus (ii) a margin rate of 4.74% – 14.74%. Maximum rate: 18%. The cash advance APR is a variable rate which will be adjusted quarterly to an amount equal to the sum of (i) the Eastern Edition of the Wall Street Journal’s prime rate plus (ii) a margin rate of 6.74% – 16.74%. Maximum rate: 18.00%.
Overdraft Protection: Payment on overdraft protection loans are based on a 36 month term, with a minimum payment of $45.50 per month.