LOAN Services



For wherever life takes you

At Latah Credit Union, we offer loan options with great rates for all of life’s moments. Whether you’re buying your dream car, ready to move into a new home, or booking a vacation, we’re here for you! Applying for a loan is easy, fast and secure. 

Auto Loans

Buying a vehicle doesn't have to be stressful. Come to Latah CU for real, personalized service.

Recreational Vehicle (RV) loans

This is your land – you deserve to enjoy it. Finance your fun with a competitive rate from your local credit union.

Personal Loans

Gain the flexibility you need to finance all kinds of needs – from a passion project to an emergency repair.

Credit Builder Loan

We're here to help you establish credit, whether it's your first time or you're looking to rebuild.

Overdraft Line of Credit

Need a little cushion between paydays? Our overdraft protection line of credit will cover your checking.

Home Loans

Why buy a home with help from a stranger? At Latah CU, your lenders just might be your neighbors.

Home Equity Line of Credit (HELOC)

Finance a home renovation, a vacation, and more with a line of credit – backed by the equity in your home.

Business Loans

From funding operational expenses to updating equipment, we have a business loan suited to your needs.

Credit Cards

The power of Visa® in the palm of your hand. Apply for enhanced purchasing control today.

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Loan Rates

Loan Type Max Term APR
Auto Loans 84 Months 5.74% - 18.00%
Small Recreational Vehicles
(Motorcycles, UTVs, 4-Wheelers, Jet Skis, Snowmobiles, Horse Trailers, etc.)
84 Months 6.50% - 18.00%
Large Recreational Vehicles
(Boats, Motor Homes, Travel Trailers, 5th Wheels, Campers, Living Quarter Horse Trailers)
180 Months 6.74% - 18.00%
Mobile Home Loans
(Mobile homes must be manufactured after 1976. Must be owner occupies and cannot be used as an investment property)
180 Months 6.50% - 18.00%
Land Loans 180 Months 6.74% - 11.74%
Second Mortgage Loans/Home Equity Loan
Must be owner-occupied and cannot be an investment property
240 Months 5.25% - 8.25%
Personal Loans 60 Months 9.49% - 18.00%
Overdraft Lines of Credit
Monthly payments will be figured at 3% of outstanding balance at the time of the advance, with a minimum payment of $25.00 monthly
Revolving 11.90%
Credit Cards
No Annual Fee
Revolving 8.00% - 17.90%
Share Secured Loans 60 Months Rate + 2.00%
Certificate Secured Loans Varies Rate + 2.00%
Credit Builder Loan 36 Months 9.00%
Loan rates effective as of March 10, 2023. The interest rate on each loan is customized to the individual member. Factors that will affect your rate are your credit history, the loan type, value of collateral, and the term that you request. Some restrictions may apply.