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

Last Rate Change:  December 1, 2017
Vehicle Loans

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 8.99% 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.