Competitive, Member-first Borrowing Rates for Auto, Personal, and Home Equity Loans
Whether you are purchasing a new vehicle, financing a boat, consolidating debt, or tapping into your home equity, Marine Federal Credit Union offers competitive rates designed to fit your budget. Review our current rate schedule below and apply online in minutes!
Current Rate Schedule
Rates Effective as of May 4, 2026
Membership eligibility required. Rates subject to risk-based pricing and credit approval.
| Loan Type | APR As Low As* |
|---|---|
| New Automobile | 4.15% APR |
| Used Automobile | 5.75% APR |
| Home Equity Line of Credit (HELOC) | 6.75% APR** |
| RV / Boat | 8.75% APR |
| Title Secured (Non-Purchase) | 9.00% APR |
| Motorcycle | 11.00% APR |
| Personal Watercraft | 11.00% APR |
| Personal Loan | 11.15% APR |
| Line of Credit | 11.75% APR* |
| Share Secured Loan | 3.10% APR |
| Certificate Secured Loan | 6.05% APR |
Looking for Mortgage Rates or Loan Assistance?
We Are Here to Help You Choose the Right Financing
Mortgage Loans: Interested in buying a home or refinancing your primary mortgage? View our dedicated home loan options and rate lock disclosures:
Apply Online: Ready to lock in your consumer loan rate? Complete your application online in as little as 15 minutes!
Contact Our Lending Team
Have questions about rate tiers or underwriting requirements?
Local Support: (910) 577-7333
Toll-Free Support: (800) 225-3967
Hours: Monday – Friday 7 a.m. – 7 p.m. ET | Saturday 8 a.m. – 2 p.m. ET
Loan Rate Disclosures & Footnotes
Risk-Based Pricing Disclosure: The Annual Percentage Rate (APR) you receive may vary based on individual credit history, loan term, vehicle age, and underwriting factors, but will not exceed 18.00% APR. You will be notified of the exact base rate for which you qualify upon loan approval. All programs, rates, terms, and conditions are subject to change without notice. Rates are accurate as of the effective date (05/04/2026).
* Line of Credit Variable Rate: This APR will vary with the market based on The Wall Street Journal Prime Rate, but will not go below the floor rate of 10.00% APR. Following a change to the Prime Rate, the revised rate will be applied at the start of your next monthly billing cycle.
**HELOC Prime Rate: This APR will vary with the market based on The Wall Street Journal Prime Rate, but will not go below the floor rate of 3.50% APR. Following a change to the Prime Rate, the revised rate will be applied at the start of your next monthly billing cycle.
Equal Housing Lender.
