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Rates

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Auto loans Boat loans RV loans Motorcycle loans Misc. vehicle loans Home mortgage Home refinance Home equity Home improvement Personal loans QMoney loans Lines of credit Share secured loans Share certificate secured loans
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Dividend Checking Roth IRA certificate Roth Money Fund IRA Traditional IRA certificate Traditional Money Fund IRA Share savings Money market savings Share Certificates Liquid Share Certificate

Automobile loan rates - new and used vehicles

The following rates apply to car and truck loans for purchase, refinancing, and equity loan types.

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Rates effective as of 07-01-2026

Vehicle model year Term Minimum loan Rate (APR)
2023 and newer 24 - 48 months $7,500 5.69 - 14.29%
2021 - 2022 24 - 72 months $7,500 5.89 - 14.29%
2020 24 - 69 months $7,500 5.89 - 14.09%
2019 24 - 63 months $7,500 5.89 - 14.09%
2016 - 2018 24 - 60 months $7,500 5.89 - 14.09%

Disclosures

* Minimum 680 FICO score and $25,000 amount financed to qualify for 79 - 84-month term.

** 5.69% APR is for a 24 - 48-month term with minimum 780 FICO score and includes .40% discount for setting up auto pay from a Credit Human checking account. Additional rate discounts may apply for vehicle value and EV/hybrid. Ask an Auto Loan Advisor for details.

*** No payment for 90 days applies to qualified borrowers with a 680+ FICO score on loans of $7,500 or more.

Annual Percentage Rate (APR) is dependent on credit rating, collateral value, amount financed and other criteria. Qualifying used vehicles must be 10 model years or newer with 150,000 miles or fewer.

Boat loan rates - model year 2016 and newer

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Rates effective as of 06-20-2025

Term Minimum loan Rate (APR)
1 - 48 months $5,000 7.44% - 15.29%
49 - 60 months $10,000 7.34% - 15.19%
61 - 72 months $20,000 7.29% - 15.14%
73 - 84 months $25,000 7.24% - 15.09%

Disclosures

Your specific rate and term will be dependent upon your credit rating, collateral, amount financed and relationship with Credit Human. Vehicle values are determined based on the NADA Guide. Annual Percentage Rates (APRs) are effective as of June 20, 2025 and are to subject to change without notice. For information on current rates, call our Member Service Center at 210-258-1234 or toll free at 800-688-7228. Annual Percentage Rates (APRs) include a .20% discount for loan payments made automatically from any checking or saving account. Payment example: For a $15,000 loan for a term of 48 months with a 7.44% APR, the monthly payment will be $362.26

RV loan rates - models 2016 and newer

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Rates effective as of 06-20-2025

Term Minimum loan Rate (APR)
1 - 48 months $5,000 7.44 - 15.29%
49 - 60 months $10,000 7.34 - 15.19%
61 - 84 months $15,000 7.24 - 15.09%
85 - 96 months $20,000 7.04 - 14.89%
97 - 120 months $25,000 6.94 - 14.79%

Disclosures

Your specific rate and term will be dependent upon your credit rating, collateral, amount financed and relationship with Credit Human. Vehicle values are determined based on the NADA Guide. Annual Percentage Rates (APRs) are effective as of June 20, 2025 and are to subject to change without notice. For information on current rates, call our Member Service Center toll free at 800-688-7228. Annual Percentage Rates (APRs) include a .20% discount for loan payments made automatically from any checking or saving account. Payment example: For a $15,000 loan for a term of 72 months with a 7.24% APR, the monthly payment will be $257.47

Motorcycle loan rates - Model year 2016 or newer

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Rates effective as of 06-20-2025

Term Minimum loan Rate (APR)
1 - 48 months $5,000 7.44 - 15.29%
49 - 60 months $10,000 7.34 - 15.19%
61 - 72 months $20,000 7.29 - 15.14%
73 - 84 months $25,000 7.24 - 15.09%

Disclosures

Your specific rate and term will be dependent upon your credit rating, collateral, amount financed and relationship with Credit Human. Vehicle values are determined based on the NADA Guide. Annual Percentage Rates (APRs) are effective as of June 20, 2025 and are to subject to change without notice. For information on current rates, call our Member Service Center toll free at 800-688-7228. Annual Percentage Rates (APRs) include a .20% discount for loan payments made automatically from any checking or saving account. Payment example: For a $5,000 loan for a term of 60 months with a 7.34% APR, the monthly payment will be $299.43

Other vehicle secured loan rates - model year 2016 and newer

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Rates effective as of 6/20/2025

Term Minimum loan Rate (APR)
1 - 48 months $5,000 7.44 - 15.29%
49 - 60 months $10,000 7.34 - 15.19%
61 - 72 months $20,000 7.29 - 15.14%
73 - 84 months $25,000 7.24 - 15.09%

Disclosures

Your specific rate and term will be dependent upon your credit rating, collateral, amount financed and relationship with Credit Human. Vehicle values are determined based on the NADA Guide. Annual Percentage Rates (APRs) are effective as of June 20, 2025 and are to subject to change without notice. For information on current rates, call our Member Service Center toll free at 800-688-7228. Payment example: For a $15,000 loan for a term of 48 months with a 7.34% APR, the monthly payment will be $299.43

Home loan purchase rates

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Rates effective as of 08-18-2026

Term Rates as low as Minimum loan Maximum loan APR as low as
Up to 15 years 5.95% $50,000 $832,750 6.09%
30 years 6.45% $50,000 $832,750 6.53%

Disclosures

Credit Human lending areas include the states of Colorado, Louisiana, North Carolina and Texas. Rates are subject to change without notice. Rates may be locked only after your completed loan application is received. This information is not a commitment to make a loan, nor is it a guarantee that you will receive a specific rate if approved. An annual percentage rate (APR) is a broader measure of the cost to you of borrowing money. The APR reflects not only the interest rate but also the points, mortgage fees and other charges that you have to pay to get the loan. Disclosed rates are based on a purchase of $225,000 loan amount, FICO of 780+ with a maximum loan-to-value of 75%. Please contact a Credit Human Loan Advisor at 844-468-9369 for assistance if you have questions about rates and terms.

Home refinance loan rates

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Rates effective as of 08-18-2026

Term Rates as low as Minimum loan Maximum loan APR as low as
15 years 5.95% $50,000 $832,750 6.09%
30 years 6.45% $50,000 $832,750 6.53%

Disclosures

Credit Human lending areas include the states of Colorado, Louisiana, North Carolina and Texas. Rates are subject to change without notice. Rates may be locked only after your completed loan application is received. This information is not a commitment to make a loan, nor is it a guarantee that you will receive a specific rate if approved. An annual percentage rate (APR) is a broader measure of the cost to you of borrowing money. The APR reflects not only the interest rate but also the points, mortgage fees and other charges that you have to pay to get the loan. Disclosed rates are based on a purchase of $225,000 loan amount, FICO of 780+ with a maximum loan-to-value of 75%. Please contact a Credit Human Loan Advisor at 844-468-9369 for assistance if you have questions about rates and terms.

Home equity loan rates

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Rates effective as of 08-18-2026

Term Rates as low as Minimum loan Maximum loan APR as low as
15 years–1st 7.15% $15,000 $350,000 7.32%
20 years–1st 7.18% $15,000 $350,000 7.31%
15 years–2nd 8.05% $15,000 $250,000 8.22%

Disclosures

Credit Human lending areas include the states of Colorado, Louisiana, North Carolina and Texas. Rates are subject to change without notice. Rates may be locked only after your completed loan application is received. This information is not a commitment to make a loan, nor is it a guarantee that you will receive a specific rate if approved. An annual percentage rate (APR) is a broader measure of the cost to you of borrowing money. The APR reflects not only the interest rate but also the points, mortgage fees and other charges that you have to pay to get the loan. Disclosed rates are based on a $175,000 loan amount, FICO of 740+ with a maximum loan-to-value of 80%. Please contact a Credit Human Loan Advisor at 844-468-9369 for assistance if you have questions about rates and terms.

Home improvement loan rates

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Rates effective as of 08-18-2026

Term Rates as low as Minimum loan Maximum loan APR as low as
20 years 7.18% $15,000 $350,000 7.31%

Disclosures

Credit Human lending areas include the states of Colorado, Louisiana, North Carolina and Texas. Rates are subject to change without notice. Rates may be locked only after your completed loan application is received. This information is not a commitment to make a loan, nor is it a guarantee that you will receive a specific rate if approved. An annual percentage rate (APR) is a broader measure of the cost to you of borrowing money. The APR reflects not only the interest rate but also the points, mortgage fees and other charges that you have to pay to get the loan. - Disclosed rates are based on a $175,000 loan amount, FICO of 740+ with a maximum loan-to-value of 80%. - Please contact a Credit Human Loan Advisor at 844-468-9369 for assistance if you have questions about rates and terms. Credit Human isn’t just another financial institution. We’re a credit union tht cares about the financial wellbeing of our members, their communities, and the environments they live in.

Personal loan rates

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Rates effective as of 04-06-2026

Term Minimum loan Rate (APR)
1 - 12 months $500 15.06 - 18.00%
13 - 24 months $2,000 15.11 - 18.00%
25 - 36 months $3,000 15.14 - 18.00%
37 - 48 months $4,000 15.17 - 18.00%
49 - 60 months $5,000 15.22 - 18.00%
61 - 72 months $10,000 15.31 - 18.00%

Disclosures

Annual Percentage Rates (APRs) are subject to change. A 0.20% rate discount will be given upon enrollment in automatic payments from any checking or savings account. For additional information on current rates, call our Member Service Center toll free at 800-688-7228. Payment example: For a $3,000 loan for a term of 36 months with a 15.14%% APR, the monthly payment will be $104.20

QMoney loan rates

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Rates effective as of 08-20-2023

Term Minimum loan Loan amount Rate (APR)
60 days $200 $200 - $500 28.00%

Disclosures

To be eligible for a QMoney loan you must be a member of Credit Human, the primary account holder, have an open deposit account for 6 months or more and be at least 18 years of age. You must not have any overdrawn accounts, loans past due or charged off loans including credit cards. A non-refundable $20 application fee applies.

Line of credit loan rates

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Rates effective as of 04-05-2024

Loan amount Rate (APR)
$500 - $5,000 11.99%

Share secured loan rates

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Rates effective as of 04-05-2024

Product Term Minimum loan Rate (APR)
Share Secured Single Paid Note Up to 12 months $500 APR 3% Over Share Dividend Rate
Share Secured Up to 24 months $500 APR 3% Over Share Dividend Rate

Disclosures

If you have at least $500 in a Credit Human Share Savings account, you can lend money to yourself at an APR 3% Over Share Dividend Rate with a term of up to 24 months.

Share Certificate Secured loan rates

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Rates effective as of 09-20-2023

Product Term Minimum loan Rate (APR)
Share Certificate Single Paid Note Max 12 months $500 APR 3% Over Share Dividend Rate
Share Certificate Up to the Term of the Share Certificate $500 APR 3% Over Share Dividend Rate

Disclosures

If you have at least $1,000 in a Credit Human Share Certificate account, you can lend money to yourself at an APR 3% Over Share Certificate Rate, not to exceed the maturity or renewal date of the certificate.

Dividend Checking rates

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Rates effective as of 08-14-2026

Account balance Dividend rate APY
$5 0.10% 0.10%

Disclosures

The variable rate and annual percentage yield (APY) may change after the account is opened. Fees could reduce the earnings on these accounts. Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY or additional information, please call our Member Service Center toll free at 800-688-7228. Credit Human checking accounts require a minimum $25 deposit to open.

Roth IRA Certificate rates

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Rates effective as of 08-14-2026

Term Account balance Dividend rate APY
6 - 11 months $500.00 and up 3.74% 3.80%
12 - 17 months $500.00 and up 3.78% 3.85%
18 - 23 months $500.00 and up 3.83% 3.90%
24 - 35 months $500.00 and up 3.84% 3.91%
36 - 59 months $500.00 and up 3.86% 3.93%
60 - 83 months $500.00 and up 3.88% 3.95%
84 - 119 months $500.00 and up 3.90% 3.97%
120 months $500.00 and up 3.93% 4.00%

Disclosures

A penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments. Includes Traditional, Roth, and Education IRAs. Credit Human IRA share certificates are available with a minimum deposit of $500. Actual certificate dividend rate and annual percentage yield (APY) will be based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. The annual percentage yield assumes that dividends remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Published rates and annual percentage yields (APYs) are subject to change daily. Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please call the Credit Human Member Service Center at 1-800-688-7228.

Roth Money Fund IRA rates

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Rates effective as of 08-14-2026

Account balance Dividend rate APY
$0.00 - $499.99 0.30% 0.30%
$500.00 - $999.99 0.50% 0.50%
$1,000.00 - $9,999.99 1.49% 1.50%
$10,000.00 - $89,999.99 1.74% 1.75%
$90,000.00 and up 2.09% 2.11%

Disclosures

A penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments. Includes Traditional, Roth, and Education IRAs. The variable rate may change after the account is opened. Fees could reduce the earnings on these accounts. Balance tier determines daily dividend rate and annual percentage yield on the daily account balance. Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please call the Credit Human Member Service Center at 800-688-7228. * Each member of Credit Human is also a part owner and your $5.00 deposit establishes your membership. You must maintain $5.00 in your share savings account at all times to cover your ownership share in Credit Human.

Traditional IRA Certificate rates

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Rates effective as of 08-14-2026

Term Account balance Dividend rate APY
6 - 11 months $500.00 and up 3.74% 3.80%
12 - 17 months $500.00 and up 3.78% 3.85%
18 - 23 months $500.00 and up 3.83% 3.90%
24 - 35 months $500.00 and up 3.84% 3.91%
36 - 59 months $500.00 and up 3.86% 3.93
60 - 83 months $500.00 and up 3.88% 3.95%
84 - 119 months $500.00 and up 3.90% 3.97%
120 months $500.00 and up 3.93% 4.00%

Disclosures

A penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments. Includes Traditional, Roth, and Education IRAs. Credit Human IRA share certificates are available with a minimum deposit of $500. Actual certificate dividend rate and annual percentage yield (APY) will be based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. The annual percentage yield assumes that dividends remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Published rates and annual percentage yields (APYs) are subject to change daily. Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please call the Credit Human Member Service Center at 800-688-7228.

Traditional Money Fund IRA rates

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Rates effective as of 08-14-2026

Account balance Dividend rate APY
$0.00 - $499.99 0.30% 0.30%
$500.00 - $999.99 0.50% 0.50%
$1,000.00 - $9,999.99 1.49% 1.50%
$10,000.00 - $89,999.99 1.74% 1.75%
$90,000.00 and up 2.09% 2.11%

Disclosures

A penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments. Includes Traditional, Roth, and Education IRAs. The variable rate may change after the account is opened. Fees could reduce the earnings on these accounts. Balance tier determines daily dividend rate and annual percentage yield on the daily account balance. Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please call the Credit Human Member Service Center at 1-800-688-7228. * Each member of Credit Human is also a part owner and your $5.00 deposit establishes your membership. You must maintain $5.00 in your share savings account at all times to cover your ownership share in Credit Human.

Share Savings account rates

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Rates effective as of 08-14-2026

Account balance Dividend rate APY
$100.00 and up 0.50% 0.50%

Disclosures

The variable rate may change after the account is opened. Fees could reduce the earnings on these accounts. Balance tier determines daily dividend rate and annual percentage yield on the daily account balance. Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please ask an Member Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228. * Each member of Credit Human is also a part owner and your $5.00 deposit establishes your membership. You must maintain $5.00 in your share savings account at all times to cover your ownership share in Credit Human.

Money Market Savings rates

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Rates effective as of 08-14-2026

Account balance Dividend rate APY
$0.00 - $499.99 0.30% 0.30%
$500.00 - $999.99 0.50% 0.50%
$1,000.00 - $9,999.99 1.49% 1.50%
$10,000.00 - $89,999.99 1.74% 1.75%
$90,000.00 and up 2.09% 2.11%

Disclosures

The variable rate may change after the account is opened. Fees could reduce the earnings on these accounts. Balance tier determines daily dividend rate and annual percentage yield on the daily account balance. Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please ask an Member Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228. Money Market Account requires a minimum opening balance of $1,000. Up to six free withdrawals permitted each monthly statement cycle. Each additional withdrawal $2. * Each member of Credit Human is also a part owner and your $5.00 deposit establishes your membership. You must maintain $5.00 in your share savings account at all times to cover your ownership share in Credit Human.

Share Certificate rates

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Rates effective as of 08-14-2026

Term Account balance Dividend rate APY
3 - 5 months $500.00 and up 3.01% 3.05%
6 - 11 months $500.00 and up 3.74% 3.80%
12 - 17 months $500.00 and up 3.78% 3.85%
18 - 23 months $500.00 and up 3.83% 3.90%
24 - 35 months $500.00 and up 3.84% 3.91%
36 - 59 months $500.00 and up 3.86% 3.93%
60 - 83 months $500.00 and up 3.88% 3.95%
84 - 119 months $500.00 and up 3.90% 3.97%
120 months $500.00 and up 3.93% 4.00%

Disclosures

A penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments. Credit Human Share Certificates are available with a minimum deposit of $500. Actual certificate dividend rate and annual percentage yield (APY) will be based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. The annual percentage yield assumes that dividends remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Published rates and annual percentage yields (APYs) are subject to change daily. Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY or additional information, please call our Member Service Center toll free at 800-688-7228.

Liquid Share Certificate rates

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Rates effective as of 08-14-2026

Term Account balance Dividend rate APY
12 months $5,000.00 and up 3.48% 3.54%

Disclosures

A penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments. Actual certificate dividend rate and annual percentage yield (APY) will be based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. The annual percentage yield assumes that dividends remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Published rates and annual percentage yields (APYs) are subject to change daily. Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY or additional information, please call our Member Service Center toll free at 800-688-7228 Credit Human 12-Month Liquid Share Certificates are available with a minimum deposit of $5,000. You can make two, no-penalty withdrawals during the term as long as you maintain a minimum balance of $5,000.