Loan Rates
Loan rates effective November 1, 2025.
Not sure which loan is right for you?
Contact a Loan Counselor at
410-828-4730 or 800-234-4730.
Vehicle Loans
New Autos & Motorcycles
APR Range | Terms | Estimated Payment |
|---|---|---|
4.75% to 10.75%* | Up to 60 months | $18.76 per 1,000 at 4.75% APR* for 60 months $21.62 per 1,000 at 10.75% APR* for 60 months |
5.25% to 11.25%* | Up to 72 months | $16.22 per 1,000 at 5.25% APR* for 72 months $19.16 per 1,000 at 11.25% APR* for 72 months |
5.75% to 11.75%* | Up to 84 months | $14.49 per 1,000 at 5.75% APR* for 84 months $17.52 per 1,000 at 11.75% APR* for 84 months |
Used Autos & Motorcycles
APR Range | Terms | Estimated Payment |
|---|---|---|
4.75% to 10.75%* | Up to 60 months | $18.76 per 1,000 at 4.75% APR* for 60 months $21.62 per 1,000 at 10.75% APR* for 60 months |
5.25% to 11.25%* | Up to 72 months | $16.22 per 1,000 at 5.25% APR* for 72 months $19.16 per 1,000 at 11.25% APR* for 72 months |
5.75% to 11.75%* | Up to 84 months | $14.49 per 1,000 at 5.75% APR* for 84 months $17.52 per 1,000 at 11.75% APR* for 84 months |
Antique, Vintage, & Classic Vehicles
APR Range | Terms | Estimated Payment |
|---|---|---|
5.50% to 11.50%* | Up to 60 months | $19.10 per 1,000 at 5.75% APR* for 60 months $21.99 per 1,000 at 11.50% APR* for 60 months |
6.00% to 12.00%* | Up to 72 months | $16.57 per 1,000 at 6.00% APR* for 72 months $19.55 per 1,000 at 12.00% APR* for 72 months |
6.50% to 12.50%* | Up to 84 months | $14.85 per 1,000 at 6.50% APR* for 84 months $17.92 per 1,000 at 12.50% APR* for 84 months |
Aged Vehicle - Models 10 years & older
APR Range | Terms | Estimated Payment |
|---|---|---|
6.50% to 12.50%* | Up to 60 months | $19.57 per 1,000 at 6.50% APR* for 60 months $22.50 per 1,000 at 12.50% APR* for 60 months |
Boats and RVs
APR Range | Terms | Estimated Payment |
|---|---|---|
8.50% to 14.50%* | 60 months up to $24,999 | $20.52 per 1,000 at 8.50% APR* for 60 months $23.53 per 1,000 at 14.50% APR* for 60 months |
8.50% to 14.50%* | 144 months $25,000 & up | $11.10 per 1,000 at 8.50% APR* for 144 months $14.69 per 1,000 at 14.50% APR* for 144 months |
Auto Cash
APR Range | Terms | Estimated Payment |
|---|---|---|
9.00% to 15.00% APR* | Up to 60 months Up to 120% of MSRP or J.D. Power Average Retail Value* | $20.76 per 1,000 at 9.00% APR* for 60 months $23.79 per 1,000 at 15.00% APR* for 60 months |
*Subject to credit approval. Check for qualifying details. APR= Annual Percentage Rate. New & used vehicle rates above include a discount of .50% (for 60, 72 and 84 months) with automated payments at time of origination. Refinancing of any existing Credit Union auto loan will incur a $250 processing fee. Loan policies and rates are subject to change without notice as declared by the Board of Directors and are based on credit worthiness
The percentage financed is up to 120% of MSRP (new) or J.D. Power Average Retail Value (used), 80% of J.D. Power Average Retail Value for antique, vintage, classic and kit cars.
Home Loans
Mortgages for the Purchase or Refinance of Your Home
Whether you want to buy a new home or refinance your existing mortgage(s), we have programs to help you. Choose from fixed, adjustable, or buy down rates. Rates and points can change daily, subject to change without notice.
For rates and information tailored to you, contact a Mortgage Counselor at 410-828-4730, 800-234-4730 or mortgages@peakefederal.com or visit our Online Mortgage Center.
Home Equity Loan
APR Range | Terms | Estimated Payment |
|---|---|---|
5.75% to 11.75% APR* | Up to 60 months | $19.22 per 1,000 at 5.75% APR* for 60 months $22.12 per 1,000 at 11.75% APR* for 60 months |
6.00% to 12.00% APR* | Up to 120 months | $11.10 per 1,000 at 6.00% APR* for 120 months $14.35 per 1,000 at 12.00% APR* for 120 months |
6.25% to 12.25% APR* | Up to 180 months | $8.57 per 1,000 at 6.25% APR* for 180 months $12.16 per 1,000 at 12.25% APR* for 180 months |
Home Equity Loan:
- Fixed rate
- Fixed terms of 5, 10 or 15 years
- No closing costs**
*Subject to credit approval. Check for qualifying details. APR = Annual Percentage Rate. Rates may vary based on loan term and credit worthiness and are subject to change as declared by the Board of Directors.
**If loan is paid off within 24 months of the original note date, closing costs must be reimbursed to Credit Union by the borrower. Note: Properties which are security for any type of Home Equity Loan are limited to the States of Maryland, Pennsylvania, and Delaware.
Home Equity Line of Credit
Introductory rate special of 5.50% APR*
for the first year!
Approved loan amounts to qualified borrowers based on 85% of appraised value of Primary Residence less the first mortgage balance.
- Variable rate after introductory rate period
- Terms up to 180 months
- 10-year draw period
- No closing costs**
Home Cash
| APR Range | Terms |
|---|---|
9.00% to 15.00% APR* | Loan amounts from $3,000 to $20,000 Terms up to 60 months |
Residential Investment Property Home Equity Loan
| APR Range | Terms |
|---|---|
6.75% to 12.75%* | Up to 180 months |
Up to 70% of appraised value less first mortgage balance
More Loans
Personal
APR Range | Terms | Percentage Financed | Estimated Payment |
|---|---|---|---|
7.90% to 13.90%* | Up to 60 months | Up to $25,000 to qualified applicants | $20.23 per 1,000 at 7.90% APR* for 60 months $23.22 per 1,000 at 13.90% APR* for 60 months |
8.90% to 14.90%* | 61 to 84 months | Up to $25,000 to qualified applicants | $16.04 per 1,000 at 8.90% APR* for 84 months $19.24 per 1,000 at 14.90% APR* for 84 months |
Preferred Line of Credit
APR Range | Terms | Percentage Financed | Estimated Payment |
|---|---|---|---|
10.90% to 16.90%* | Up to 84 months | Up to $15,000 to qualified applicants* | $17.07 per 1,000 at 10.90% APR* for 84 months $20.38 per 1,000 at 16.90% APR* for 84 months |
Holiday Loan (Oct. 1, 2025 to Jan. 31, 2026)
APR Range | Terms | Percentage Financed | Estimated Payment |
|---|---|---|---|
7.90% to 13.90%* | Up to 12 months | 100% to qualified applicants* | $86.94 per 1,000 at 7.90% APR for 12 months $89.74 per 1,000 at 13.90% APR for 12 months |
Vacation Loan
APR Range | Terms | Percentage Financed | Estimated Payment |
|---|---|---|---|
7.90% to 13.90%* | Up to 12 months | 100% to qualified applicants* | $86.94 per 1,000 at 7.90% APR for 12 months $89.74 per 1,000 at 13.90% APR for 12 months |
Signature Money Line of Credit
APR Range | Terms | Percentage Financed | Estimated Payment |
|---|---|---|---|
12.00% to 18.00%* | 6-month term 12-month term | Up to $1,000* Up to $2,000* | $172.55 per 1,000 at 12.00% APR* for 6 months, $88.85 per 1,000 at 12.00% APR* for 12 months $175.53 per 1,000 at 18.00% APR* for 6 months, $91.68 per 1,000 at 18.00% APR* for 12 months |
Share Secured (variable rate)
| APR Range | Terms | Percentage Financed |
|---|---|---|
3.00% above Share Savings* | 144 months | Full amount in Share Saving |
Education / Computer
APR Range | Terms | Percentage Financed | Estimated Payment |
|---|---|---|---|
6.90% to 12.90%* | Up to 18 months | 100% to qualified applicants* | $58.64 per 1,000 at 6.90% APR for 18 months $61.40 per 1,000 at 12.90% APR for 18 months |
*Subject to credit approval. Check for qualifying details. APR= Annual Percentage Rate. New & used vehicle rates above include a discount of .50% (for 60, 72 and 84 months) with automated payments at time of origination. Refinancing of any existing Credit Union auto loan will incur a $250 processing fee. Loan policies and rates are subject to change without notice.
**If loan is paid off within 24 months of the original note date, closing costs must be reimbursed to Credit Union by the borrower. Note: Properties which are security for any type of Home Equity Loan are limited to the States of Maryland, Pennsylvania and Delaware.
Loan rates may vary based on loan term and credit worthiness.
