LOAN RATES
Effective 01/16/2026 and subject to change. APR=Annual Percentage Rate. OAC=On Approved Credit. Your rate will be determined by the loan type, amount, applicable fees, collateral, term requested, and your credit score.
For additional information regarding rates and terms on Progressions Credit Union loans, please contact us.
Looking for Deposit Rates? Click here.
AUTOS & TRUCKS
10 Years Old & Newer
|
Loan Term |
APR Range | ||
|
2018 Model year or newer up to 96 months OAC |
4.24% – 17.99% | ||
|
2015 – 2017 Model years up to 78 months |
4.24% – 17.99% |
OAC = On Approved Credit. Rates advertised include a 0.25% discount for automatic payment and a 0.50% discount for direct deposit of net payroll or retirement benefits to a Progressions Credit Union checking account. Add 0.25% for other payment options and 0.50% for accounts without qualifying direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.
For vehicles with 100k – 124,999 miles, add 1.50%, for vehicles with 125k miles add 3.00%; however, in no case will rates exceed 18%. Max term is 48 months for vehicles with 125,000 miles or more. Mileage may be limited to 150,000 miles.
Consumer loan payment example: New car loan of $20,000 for a 60 month term at 4.24% APR will have a monthly payment of $370.53.
Existing Progressions Credit Union loans do not qualify for these rates.
Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.
AUTOS & TRUCKS
11 – 15 Years Old
|
Loan Term |
APR Range | ||
|
Available up to 48 months OAC |
8.99%-17.99% |
OAC = On Approved Credit. Rates advertised include a 0.25% discount for automatic payment and a 0.50% discount for direct deposit of net payroll or retirement benefits to a Progressions Credit Union checking account. Add 0.25% for other payment options and 0.50% for accounts without qualifying direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.
For vehicles with 100k – 124,999 miles, add 1.50%, for vehicles with 125k miles add 3.00%; however, in no case will rates exceed 18%. Max term is 48 months for vehicles with 125,000 or more. Mileage may be limited to 150,000 miles.
Consumer loan payment example: Used car loan of $10,000 for a 48 month term at 8.99% APR will have a monthly payment of $248.83.
Existing Progressions Credit Union loans do not qualify for these rates.
Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.
BOAT & RECREATIONAL VEHICLE (RV)
2018 Model Years & Newer
|
Loan Term |
APR Range | ||
|
Available up to 180 months OAC |
6.74%-17.99% |
OAC = On Approved Credit. Rates advertised include a 0.25% discount for automatic payment and a 0.50% discount for direct deposit of net payroll or retirement benefits to a Progressions Credit Union checking account. Add 0.25% for other payment options and 0.50% for accounts without qualifying direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.
Consumer loan payment example: New RV loan of $35,000 for a 96 month term at 6.74% APR will have a monthly payment of $472.61.
Existing Progressions Credit Union loans do not qualify for these rates.
Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.
BOAT & RECREATIONAL VEHICLE (RV)
2015 – 2017 Model Years
|
Loan Term |
APR Range | ||
|
Available up to 180 months OAC |
7.24% – 17.99% |
OAC = On Approved Credit. Rates advertised include a 0.25% discount for automatic payment and a 0.50% discount for direct deposit of net payroll or retirement benefits to a Progressions Credit Union checking account. Add 0.25% for other payment options and 0.50% for accounts without qualifying direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.
Consumer loan payment example: Used RV loan of $15,000 for a 60 month term at 7.24% APR will have a monthly payment of $298.80.
Existing Progressions Credit Union loans do not qualify for these rates.
Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.
BOAT & RECREATIONAL VEHICLE (RV)
2010 – 2014 Model Years
|
Loan Term |
APR Range | ||
|
Available up to 84 Months OAC |
7.99%-10.74% |
OAC = On Approved Credit. Rates advertised include a 0.25% discount for automatic payment and a 0.50% discount for direct deposit of net payroll or retirement benefits to a Progressions Credit Union checking account. Add 0.25% for other payment options and 0.50% for accounts without qualifying direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.
Consumer loan payment example: Used RV loan of $15,000 for a 84 month term at 7.99% APR will have a monthly payment of $233.80.
Existing Progressions Credit Union loans do not qualify for these rates.
Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.
SUMMER/WINTER TOYS – 10 YEARS OLD OR NEWER
ATV, Off Road Motorcycles, Street Motorcycles Under 750cc, Scooters, & Personal Watercraft
|
Loan Term |
APR Range | ||
|
2018 Model years & newer up to 84 months OAC |
5.74% – 17.99% | ||
|
2015 – 2017 Model years up to 60 months OAC |
5.74% – 17.99% |
OAC = On Approved Credit. Rates advertised include a 0.25% discount for automatic payment and a 0.50% discount for direct deposit of net payroll or retirement benefits to a Progressions Credit Union checking account. Add 0.25% for other payment options and 0.50% for accounts without qualifying direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.
Consumer loan payment example: New ATV loan of $4,000 for a 48 month term at 5.74% APR will have a monthly payment of $93.46.
Existing Progressions Credit Union loans do not qualify for these rates.
Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.
STREET LEGAL MOTORCYCLES
10 Years Old Or Newer (Over 750cc)
|
Loan Term |
APR Range | ||
|
2018 Model years and newer up to 84 months OAC |
5.24% – 17.99% | ||
|
2015 – 2017 Model years up to 78 months OAC |
5.24% – 17.99% |
OAC = On Approved Credit. Rates advertised include a 0.25% discount for automatic payment and a 0.50% discount for direct deposit of net payroll or retirement benefits to a Progressions Credit Union checking account. Add 0.25% for other payment options and 0.50% for accounts without qualifying direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.
Consumer loan payment example: New Motorcycle loan of $18,000 for a 60 month term at 5.24% APR will have a monthly payment of $341.65.
Existing Progressions Credit Union loans do not qualify for these rates.
Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.
STREET LEGAL MOTORCYCLES
11 – 15 Years Old (Over 750cc)
|
Loan Term |
APR Range | ||
|
2010 – 2014 Model Years |
9.49% – 17.99% |
OAC = On Approved Credit. Rates advertised include a 0.25% discount for automatic payment and a 0.50% discount for direct deposit of net payroll or retirement benefits to a Progressions Credit Union checking account. Add 0.25% for other payment options and 0.50% for accounts without qualifying direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.
Consumer loan payment example: New Motorcycle loan of $4,900 for a 48 month term at 9.49% APR will have a monthly payment of $123.07.
Existing Progressions Credit Union loans do not qualify for these rates.
Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.
PERSONAL UNSECURED
Signature Loan For Any Purpose
|
Loan Term |
APR Range | ||
|
Available up to 60 months OAC |
10.24% – 21.49% |
OAC = On Approved Credit. Rates advertised include a 0.25% discount for automatic payment and a 0.50% discount for direct deposit of net payroll or retirement benefits to a Progressions Credit Union checking account. Add 0.25% for other payment options and 0.50% for accounts without qualifying direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.
Consumer loan payment example: Signature loan for $3,000.00 for a 36 month term at 10.24% APR will have a monthly payment of $97.17.
Existing Progressions Credit Union loans do not qualify for these rates.
Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.
PERSONAL LINE OF CREDIT (PLC)
|
Loan Term |
APR Range | ||
|
Open Ended |
11.75% – 22.00% |
OAC = On Approved Credit. Rates advertised include a 0.25% discount for automatic payment and a 0.50% discount for direct deposit of net payroll or retirement benefits to a Progressions Credit Union checking account. Add 0.25% for other payment options and 0.50% for accounts without qualifying direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.
Personal Line of Credit (PLC) Loans are a fixed rate, open end line of credit with a variable payment. Minimum payments for a PLC are calculated at 2% of the outstanding balance or $25.00, whichever is greater. May be used for overdraft protection. A $2.00 overdraft transfer fee will apply.
Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.
VISA CREDIT CARD
|
Loan Term |
APR Range | ||
|
Open Ended |
10.99%-17.99% |
Rates advertised for Visa Credit Card include a 0.25% discount for automatic payment and a 0.25% discount for direct deposit of payroll or retirement benefits to a Progressions Credit Union savings or checking account. Add 0.25% for other payment options and 0.25% for accounts without direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.
Visa Credit Card Loans are a fixed rate, open end line of credit with a variable payment. Minimum payments for a Visa Credit Card are calculated at 2% of the outstanding balance or $25.00, whichever is greater.
Existing Progressions Credit Union loans do not qualify for these rates.
Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.
SPECIAL PURPOSE PERSONAL LOANS
Vacation Loan, Back To School Loan, Wedding Loan, Bicycle Loan, Debt Consolidation Loan, Holiday Loan*
|
Loan Term |
APR Range | ||
|
Available up to 24 months OAC |
8.74% – 16.99% |
OAC = On Approved Credit. Rates advertised include a 0.25% discount for automatic payment and a 0.50% discount for direct deposit of net payroll or retirement benefits to a Progressions Credit Union checking account. Add 0.25% for other payment options and 0.50% for accounts without qualifying direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.
Consumer loan payment example: Specialty loan for $2,000.00 for a 24 month term at 8.74% APR will have a monthly payment of $91.16.
Existing Progressions Credit Union loans do not qualify for these rates.
Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.
*Holiday Loan available November 1 – January 31
SAVINGS & CERTIFICATE SECURED LOANS
|
Loan Type |
Loan Term |
APR Range | ||
|
Savings Secured |
Up to 120 months OAC |
3% above the securing savings account rate | ||
|
Certificate Secured |
Up to 120 months OAC |
3.50% above the securing certificate rate |
Savings Secured Loan payment example: Savings secured loan for $8,000 for 60 month term at 9.99% APR will have a monthly payment of $169.97.
Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.
WEALTH BUILDER LOANS
|
Loan Term |
APR Range | ||
|
Available up to 30 months OAC |
5.49% | ||
|
Available up to 48 months OAC |
5.49% |
No credit required or income verification needed.
Funds remained fully pledged until loan is paid in full.
Wealth Builder Loan payment example: Wealth Builder loan for $1000 for 24 month term at 5.49% APR will have a monthly payment of $42.78.
CLASSIC AUTOS
|
Loan Term |
APR Range | ||
|
Available up to 72 months OAC |
7.75% – 17.99% |
OAC = On Approved Credit. Rates advertised include a 0.25% discount for automatic payment and a 0.50% discount for direct deposit of net payroll or retirement benefits to a Progressions Credit Union checking account. Add 0.25% for other payment options and 0.50% for accounts without qualifying direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Call for more details.
Consumer loan payment example: Classic auto loan for $25,000 for a 72 month term at 7.75% APR will have a monthly payment of $435.32.
Existing Progressions Credit Union loans do not qualify for these rates.
Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.
FIRST MORTGAGE DEED OF TRUST
Purchase Or Refinance
Purchase Or Adjustable Rate Transactions Click Here
Refinance, Refinance with Cash Out, or Cash Out Equity First Mortgages Please contact Brian Nutley, 509.444.0475, Trish Whitney, 509.622.2018, or Kevin Spoerl, 509.622.2017 to discuss rates and options available.
Brian Nutley, 509.444.0475 NMLS #963782
Dionne Ables, 509.622.2021 NMLS #2683030
Trish Whitney, 509.622.2018 NMLS #912264
Kevin Spoerl, 509.622.2017 NMLS #422874
Progressions Credit Union – NMLS #784627
HOME EQUITY LINE OF CREDIT (HELOC)
|
Type |
APR Range |
Loan to Value |
|
1st Deed of Trust |
6.99%-9.27% |
Maximum 85% |
|
2nd Deed of Trust |
7.24%-9.74% |
Maximum 85% |
Rate is variable and based on the Prime Rate (WSJ) + a Margin. Margins are based on the credit quality of the applicant. The rates above are the lowest available to qualified borrowers.
HELOC variable rate will not exceed 18% APR and will not go below the floor rate of 3.99% on a 1st DOT or 4.24% on a 2nd DOT.
Draw Period: 10 Years, minimum initial draw is $2,500.00. Any subsequent draws have a $100.00 minimum thereafter.
Repayment Period: 15 Years
Total length of loan is 25 years (Draw Period + Repayment Period).
Fees: Minimum initital advace required of $2,500.00; third-party closing costs range between $430.00-$1,620.00. Minimum initial advance to have closing costs paid by Progressions Credit Union, with the exception of any necessary appraisal/valuation is $20,000.00. Member is responsible for appraisal/valuation fees. If line of credit is closed within 36 months of opening, the waiver of third-party closing costs (paid by the Credit Union) will be revoked and the fees will be added to loan balance. Borrower is responsible for the reconveyance fee charged to release the lien on the property at the time the credit line is paid off and closed. Offer valid 03/16/2020 and is subject to change.
Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply. For more information or to apply, contact us.
Progressions Credit Union – NMLS #784627
Brian Nutley – NMLS #963782
Dionne Ables – NMLS #2683030
Trish Whitney – NMLS #912264
Kevin Spoerl – NMLS #422874
HOME EQUITY CLOSED END
1st Deed of Trust/Fixed Rate Equity Loans
|
Terms Available |
APR Range |
Loan to Value | |
|
6, 10, 15, 20 & 30 years |
Please contact the credit union for current quote |
Maximum 85% |
HOME EQUITY CLOSED END
2nd Deed of Trust/Fixed Rate Equity Loans
|
Terms Available |
APR Range |
Loan to Value | |
|
6, 10, 15 & 20 years |
Please contact the credit union for current quote |
Maximum 85% |
Real Estate loans will be limited to the Credit Union’s geographic area, which is defined as: the State of Washington, and; the Northern Idaho counties of: Benewah, Kootenai, Bonner, Latah, Boundary, and Shoshone.
Closing Costs/Settlement Charges will vary depending upon transaction specific details. Please contact the credit union for more information.
Membership required. Must live, work, worship, or attend school in the state of Washington. a $20.00 membership fee may apply.
Contact us for fee information and more details. Existing Progressions Credit Union loans may be subject to a 1% refinancing fee.
Progressions Credit Union – NMLS #784627
Brian Nutley – NMLS #963782
Dionne Ables – NMLS #2683030
Trish Whitney – NMLS #912264
Kevin Spoerl – NMLS #422874
All information provided through this site is intended to be accurate. However, there may be inaccuracies at times, which we will make every attempt to correct when found. Information provided is intended to assist you in making decisions and does not eliminate the need to discuss your particular circumstances with a qualified professional.
Fixed rate. Max advance may include Tax, License, Warranty, and GAP.
Progressions Credit Union offers a range of rates that depend on factors such as credit history, loan term, loan to value, and the age and mileage of the collateral. Not all terms are available for all collateral/borrowers. Actual rates are disclosed to approved applicants in writing prior to loan consummation. The rates listed here are a range of our lowest and highest with deductions noted below. In no case will rates exceed 18%.
Fixed rate. Max advance may include Tax, License, Warranty, and GAP.
Progressions Credit Union offers a range of rates that depend on factors such as credit history, loan term, loan to value, and the age and mileage of the collateral. Actual rates are disclosed to approved applicants in writing prior to loan consummation. The rates listed here are a range of our lowest and highest with deductions noted below. In no case will rates exceed 18%.
Fixed rate. Max advance may include Tax, License, Warranty, and GAP.
Progressions Credit Union offers a range of rates that depend on factors such as credit history, loan term, loan to value, and mileage (if a motorized RV). Actual rates are disclosed to approved applicants in writing prior to loan consummation. The rates listed here are a range of our lowest and highest with deductions noted below. In no case will rates exceed 18%.
Fixed rate. Max advance may include Tax, License, Warranty, and GAP.
Progressions Credit Union offers a range of rates that depend on factors such as credit history, loan term, loan to value, and mileage (if a motorized RV). Actual rates are disclosed to approved applicants in writing prior to loan consummation. The rates listed here are a range of our lowest and highest with deductions noted below. In no case will rates exceed 18%.
Minimum advance $10,000, Fixed Rate, up to 80% LTV.
Progressions Credit Union offers a range of rates that depend on factors such as credit history, loan term, loan to value, and mileage (if a motorized RV). Actual rates are disclosed to approved applicants in writing prior to loan consummation. The rates listed here are a range of our lowest and highest with deductions noted below. In no case will rates exceed 18%.
Fixed rate. Max advance may include Tax, License, Warranty, and GAP.
Progressions Credit Union offers a range of rates that depend on factors such as credit history, loan term, loan to value, and age of collateral. Not all terms are available for all collateral/borrowers. Actual rates are disclosed to approved applicants in writing prior to loan consummation. The rates listed here are a range of our lowest and highest with deductions noted below. In no case will rates exceed 18%.
Fixed rate. Max advance may include Tax, License, Warranty, and GAP.
Progressions Credit Union offers a range of rates that depend on factors such as credit history, loan term, collateral age, and loan to value. Actual rates are disclosed to approved applicants in writing prior to loan consummation. The rates listed here are a range of our lowest and highest with deductions noted below. In no case will rates exceed 18%.
Fixed rate. Max advance may include Tax, License, Warranty, and GAP.
Progressions Credit Union offers a range of rates that depend on factors such as credit history, loan term, collateral age, and loan to value. Actual rates are disclosed to approved applicants in writing prior to loan consummation. The rates listed here are a range of our lowest and highest with deductions noted below. In no case will rates exceed 18%.
Fixed rate. Rates vary by term and the lowest rate is not available on terms greater than 36 months.
Fixed rate.
Fixed rate.
Fixed Rate
Fixed rate. No credit is required.
Fixed rate. Maximum loan amount $4,999.99.
Fixed rate. Loan amount $5,000.00-$10,000.00.
Fixed rate. Max 80% Loan to Value based on NADA Classic Car Guide. Requires credit union inspection. May also require appraisal.