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Loan Rates

Loan Rates as of February 1, 2026

Loan Rates
Type of Loan Rate APR* Terms
Valentine's Auto Loans (New) Special1 3.99% 5.29% - 17.99% 3.99% 5.29% - 17.99% Special rate up to 36 months1 other terms up to 86 months
Valentine's Auto Loans (Used) Special1 3.99% 5.29% - 17.99% 3.99% 5.29% - 17.99% Special rate up to 36 months1 other terms up to 86 months
Valentine's Boat & RV Loans (New) Special1

3.99% 5.79% - 17.99%

 3.99% 5.79% - 17.99% Special rate up to 36 months1 other terms up to 120 months
Valentine's Boat & RV Loans (Used) Special1 3.99% 5.79% - 17.99% 3.99% 5.79% - 17.99% Special rate up to 36 months1 other terms up to 120 months
Valentine's Motorcycle & ATV Loans (New) Special1 3.99% 5.29% - 17.99% 3.99% 5.29% - 17.99% Special rate up to 36 months1 other terms up to 86 months
Valentine's Motorcycle & ATV Loans (Used) Special1 3.99% 5.29% - 17.99% 3.99% 5.29% - 17.99% Special rate up to 36 months1 other terms up to 86 months
My4WhatEv$ 9.70% - 17.99% 9.70% - 17.99% up to 72 months
My Score Card Credit Cards 9.40% - 17.99% 9.40% - 17.99% N/A
Line of Credit 10.20% - 17.99% 10.20% - 17.99% N/A
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Home Purchase  Check Rates Check Rates Check Rates
Seasonal Loan 8.70% - 17.99% 8.70% - 17.99% up to 12 months
Disaster Preparedness Loan 8.70% - 17.99% 8.70% - 17.99% up to 24 months
Personal "Signature" Loan 15.70% - 17.99% 15.70% - 17.99%

up to 72 months
Special Purchase Loan

6.70% - 17.99%

 6.70% - 17.99% up to 84 months

*APR = Annual Percentage Rate.

1Rates and payment options based on creditworthiness, term, and other factors. Existing Credit Union loans do not apply. No other offer may be applied. Application must be received between February 1 – February 14, 2026, and close by March 14, 2026 in order to qualify for this special. Contact the Credit Union for full details.

Loan rate effective date: February 1, 2026.

Credit Cards - There are costs associated with the use of a VISA Scorecard.  To get information about these costs, call us at 850.432.9939 or toll free 888.432.9939 or you can visit/write us at 108 South Reus Street, Pensacola, FL 32502 to request a disclosure.