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Loan Rates

Vehicle Loans

Type APR (as low as)
Vehicles (2023 to 2022) 5.95%
Motorcycles (2023 to 2022)* 7.95%
Boats & RVs (2023 to 2022)* 7.95%
ATVs & Jetskis (2023 to 2022)* 7.95%
Vehicles (2021-2020) 6.20%
Vehicles (2019-2017) 6.70%
Vehicles (2016 & Older) 7.20%
Motorcycles (2021 & Older)* 8.20%
Boats & RVs (2021 & Older)* 8.20%
ATVs & Jetskis (2021 & Older)* 8.20%

APR = Annual Percentage Rate. Contact Best Reward Federal Credit Union for additional information. Rates and terms are subject to change without notice. The fixed rate, terms, and conditions of each loan are determined by the borrower's credit qualification and loan-to-value (LTV) of the collateral. Other rate discounts may apply. Lower credit grades and longer repayment terms result in higher interest rate. Additional conditions and/or restictions may apply. Rates shown include a 0.25% discount for automatic payment transfer from a Best Reward Federal Credit Union account.*Titled collateral only and minimum initial loan balance of $10,000. Non-Titled collateral and lower initial balance loans subject to higher rates.



Mortgage Loans

Type Term APR (as low as)
First Mortgage Loans Click Here for our Mortgage Programs
Home Equity Loans
6 Year to 15 Year Repayment Terms Call for Details
Home Equity Lines of Credit (Variable-Rate) Call for Details Call for Details

APR and payment vary depending on loan amount, term, applicable fees, credit score, and combined loan-to-value (LTV). All loans are subject to credit application and approval, receipt of property appraisal demonstrating acceptable real estate value, and acceptable title search result.  Borrower must obtain and pay separately for Homeowners Insurance on real property securing the loan and Flood Insurance for property located in a Special Flood Hazard area.  Borrower is separately responsible for Real Estate Taxes.  Other conditions and restrictions may apply.  Consult your tax advisor about the deductibility of interest. Programs and conditions are subject to change at any time.

Personal Loans

Type APR (as low as)
Signature (Fixed-Rate) 13.50%

APR = Annual Percentage Rate

Rates and terms are subject to change without notice. The fixed rate and term of loan will be determined by the credit qualifications. Maximum loan amount is $15,000 (before insurance) with a maximum 48 month term.



VISA Credit Cards

To view a printable version of a table that includes APR's and other required cost disclosures Click Here.

Type APR (as low as)
VISA Platinum 14.24%
VISA Platinum Rewards* 15.24%

APR = Annual Percentage Rate. The APR is subject to change to reflect any change in the index and will be determined by the Prime Rate on the first day of each quarter (January, April, July, and October) of each year as published in The Wall Street Journal. All cards are subject to approval. Card limit and rate based on the credit qualifications. The Balance Transfer Fee is $5.00 or 2.00% of the amount of each balance transfer; whichever is greater (maximum fee is $50.00).

*Rewards are available on the VISA Platinum Rewards card only. One point is earned for every one dollar spent (minus returns) and is redeemable towards merchandise, travel, or gifts cards.

Secured VISA cards only available with the VISA Platinum card and are subject to approval. The card limit approved will require a deposit of the same amount to be on hold in the member’s share savings account. All secured VISA cards are reviewed annually to determine if the account qualifies for conversion to a traditional card based on the credit qualifications and payment history.