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Loan Rates

Loan Rates as of December 15, 2025

Loan Rates
Type of Loan Rate APR* Terms
Santa's Nice List Auto Loans (New)1 3.99% 5.29% - 17.99% 3.99% 5.29% - 17.99% Special rate up to 36 months1 other terms up to 86 months
Santa's Nice List Auto Loans (Used)1 3.99% 5.29% - 17.99% 3.99% 5.29% - 17.99% Special rate up to 36 months1 other terms up to 86 months
Santa's Nice List Boat & RV Loans (New)1

3.99% 5.79% - 17.99%

 3.99% 5.79% - 17.99% Special rate up to 36 months1 other terms up to 120 months
Santa's Nice List Boat & RV Loans (Used)1 3.99% 5.79% - 17.99% 3.99% 5.79% - 17.99% Special rate up to 36 months1 other terms up to 120 months
Santa's Nice List Motorcycle & ATV Loans (New)1 3.99% 5.29% - 17.99% 3.99% 5.29% - 17.99% Special rate up to 36 months1 other terms up to 86 months
Santa's Nice List Motorcycle & ATV Loans (Used)1 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
Home Improvement Loan

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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.

Rates and payment options based on creditworthiness, term, and other factors. 

1Existing Credit Union loans do not apply. No other offer may be applied. Application must be received by December 27, 2025, and close by January 24, 2026 in order to qualify for this special. Contact the Credit Union for full details.

Loan rate effective date: December 15, 2025.

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.