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Auto & Personal Loan Rates

All Interest Rates and Annual Percentage Rates are Current as of February 13, 2017

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Auto Loans

Type Term (Months) APR As Low As (%) APR with Autopay As Low As (%)1
2013 – 2017 model years 36 (up to 72 month term available) 2.49 1.99
2007 – 2012 model years 36 (up to 60 month term available) 3.74 3.24
2006 & older model years 36 (maximum term of 36 months) 4.99 4.49

Your rate is determined by your payment option, term and credit score.

Rates used in these examples are effective as of February 13, 2017 and assume excellent credit history and automatic payment from a Thrivent Federal Credit Union account. Rates are subject to change without notice. Other rates and payment options are available. All loans are subject to credit application, qualification and approval. Restrictions may apply. APR is Annual Percentage Rate.

2013 – 2017 Auto

A $20,000 auto loan with a simple interest rate of 1.99% and a corresponding APR of 1.99% for 36 months equates to a monthly principal and interest payment of $572.76.

2007 – 2012 Auto

A $20,000 auto loan with a simple interest rate of 3.24% and a corresponding APR of 3.24% for 36 months equates to a monthly principal and interest payment of $583.74.

2006 & older

A $20,000 auto loan with a simple interest rate of 4.49% and a corresponding APR of 4.49% for 36 months equates to a monthly principal and interest payment of $594.85.

 

Boats, Motorcycles and Luxury Trailers

Type Term (Months) APR As Low As (%) APR with Autopay As Low As (%)1
2016 – 2017 model years 36 months (up to 120 month term available) 4.49 3.99
2010 – 2015 model years 36 months (up to 120 month term available) 5.74 5.24

Your rate is determined by your payment option, term and credit score.

Rates used in these examples are effective as of February 13, 2017 and assume excellent credit history and automatic payment from a Thrivent Federal Credit Union account. Rates are subject to change without notice. Other rates and payment options are available. Certain restrictions apply. Application required and normal credit criteria apply. APR is Annual Percentage Rate.

New Boat, Motorcycle or Trailer

A $20,000 boat loan with a simple interest rate of 3.99% and a corresponding APR of 3.99% for 36 months equates to a monthly principal and interest payment of $590.39.

Used Boat, Motorcycle or Trailer

A $20,000 boat loan with a simple interest rate of 5.24% and a corresponding APR of 5.24% for 36 months equates to a monthly principal and interest payment of $601.58.

 

Other Collateral (ATV's, Snowmobiles, Personal Watercraft, Campers)

Type Term (Months) APR As Low As (%) APR with Autopay As Low As (%)1
2016 – 2017 model years 36 months 4.49 3.99
2010 – 2015 model years 36 months 5.74 5.24

Your rate is determined by your payment option, term and credit score.

Rates used in these examples are effective as of February 13, 2017 and assume excellent credit history and automatic payment from a Thrivent Federal Credit Union account. Rates are subject to change without notice. Certain restrictions apply. Other rates and payment options are available. Application required and normal credit criteria apply. APR is Annual Percentage Rate.

New ATV's, Snowmobiles, Personal Watercraft, Campers

A $10,000 personal watercraft loan with a simple interest rate of 3.99% and a corresponding APR of 3.99% for 36 months equates to a monthly principal and interest payment of $295.20.

Used ATV's, Snowmobiles, Personal Watercraft, Campers

A $10,000 personal watercraft loan with a simple interest rate of 5.24% and a corresponding APR of 5.24% for 36 months equates to a monthly principal and interest payment of $300.79.

 

Certificate Secured

Type Term APR As Low As (%) APR with Autopay As Low As (%)1
Certificate Secured Up to Maturity Date of Certificate 2.5 plus Certificate Rate 2.0 plus Certificate Rate

Rates used in this example are effective as of February 13, 2017 and assume automatic payment from a Thrivent Federal Credit Union account. Rates are subject to change without notice. Certain restrictions apply. Application required and normal credit criteria apply.

Payment example: A $20,000 loan with a simple interest rate of 3.00% and a corresponding Annual Percentage Rate (APR) of 3.00% for 36 months equates to a monthly principal and interest payment of $581.62.

 

Thrivent Financial Life Insurance Secured – Fixed Rate

Type Term (Months) Loan Amount APR As Low As (%) APR with Autopay As Low As (%)1
Thrivent Financial Life Insurance Secured 60 months $5,000 – $10,000 6.09 5.59
Thrivent Financial Life Insurance Secured 60 months >$10,000 5.49 4.99

Rate used in these examples are effective as of February 13, 2017 and assume automatic payment from a Thrivent Federal Credit Union account. Rates are subject to change without notice. Certain restrictions apply. Application required and normal credit criteria apply.

Payment examples:

A $10,000 loan with a simple interest rate of 5.59% and a corresponding Annual Percentage Rate (APR) of 5.59% for 60 months equates to a monthly principal and interest payment of $191.44.

A $20,000 loan with a simple interest rate of 4.99% and a corresponding Annual Percentage Rate (APR) of 4.99% for 60 months equates to a monthly principal and interest payment of $377.36.

 

Thrivent Financial Life Insurance Secured – Adjustable Rate


Rate adjusts after being fixed for the first 5 years and every 5 years thereafter, until maturity
Type Term (Months) Loan Amount APR As Low As (%) APR with Autopay As Low As (%)1
Thrivent Financial Life Insurance Secured 120 months $10,000 – $100,000 5.49 4.99
Thrivent Financial Life Insurance Secured 180 months >$100,000 5.24 4.74

Your initial rate is determined by your payment option and loan amount and may not necessarily be based on the current value of the index plus a margin. After the first 60 months, your rate will adjust based on the value of the index (5-year Treasury Rate – weekly average yield on United States Treasury securities adjusted to the constant maturity of five years) plus a margin. Margins range from 3.25% to 4.00% based on payment option and loan amount. The 5-year Treasury Rate as of February 13, 2017 is 1.86%. Your rate will adjust every 60 months thereafter until maturity. A change in rate will result in a corresponding change in payment. Rates are subject to change without notice but will not be lower than 4.5% or higher than 18%. Certain restrictions apply. Application required and normal credit criteria apply.

Rates used in these examples are effective as of February 13, 2017 and assume automatic payments from a Thrivent Federal Credit Union account. Examples are based on the initial rate and full term. Rate and payment can adjust every 60 month, until maturity.

Payment examples:

A $20,000 loan with a simple interest rate of 4.99% and a corresponding Annual Percentage Rate (APR) of 4.99% for 120 months equates to a monthly principal and interest payment of $212.05.

A $150,000 loan with a simple interest rate of 4.74% and a corresponding Annual Percentage Rate (APR) of 4.74% for 180 months equates to a monthly principal and interest payment of $1166.06.

 

Personal Loans

Type Term APR As Low As (%) APR with Autopay As Low As (%)1
Preferred Line of Credit 5 years 11.49 10.99
Reserve Line of Credit As long as the Checking is open Autopay required 14.00
Personal Term

With a credit score of 700+

Up to 60 months

10.49 9.99

With a credit score of 660 – 699

Up to 36 months

12.49 11.99

Rates used in these examples are effective as of February 13, 2017. Rates are subject to change without notice. Certain restrictions apply. Application required and normal credit criteria apply.

Preferred Line of Credit

The Prime Rate as of December 15, 2016, is 3.75%, with a corresponding variable Annual Percentage Rate (APR) as low as 10.99%. The rate is based on an index (Prime Rate) plus the margin in effect at the time your loan is originated. This rate is subject to change, but will not be lower than 7.99 % and in no case will exceed 18%. Minimum credit score of 700 required. Monthly payments made during the term of the loan may not fully amortize the outstanding balance and may result in a balloon payment.

Reserve Line of Credit

Applicable simple interest rate is 14.00% with a corresponding Annual Percentage Rate (APR) of 14.00%. Monthly payments made during the term of the loan may not fully amortize the outstanding balance and may result in a balloon payment. Automatic payments required.

Personal Term Loan

A $10,000 personal loan with a simple interest rate of 9.99% and a corresponding Annual Percentage Rate (APR) of 9.99% for 60 months equates to a monthly principal and interest payment of $212.44.

A $10,000 personal loan with a simple interest rate of 11.99% and a corresponding Annual Percentage Rate (APR) of 11.99% for 60 months equates to a monthly principal and interest payment of $222.41.

 

1 Must set up autopay from a Thrivent Federal Credit Union Account.

 

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