Loan Interest Rates
Effective as of February 3, 2026
Auto
Loan Type | Term | APR* |
Auto - 2021 and Newer | 60 Months | 5.74% - 14.24% |
Auto - 2021 and Newer | 72 Months¹ | 5.99% - 15.49% |
Auto - 2021 and Newer | 84 Months² | 6.24% - 16.99% |
Auto - 2021 and Newer | 96 Months⁵ | 7.24% - 7.99% |
Auto - 2018 through 2020 | 60 Months | 6.24% - 14.99% |
Auto - 2018 through 2020 | 72 Months¹ | 6.49% - 16.24% |
Auto - 2018 through 2020 | 84 Months² | 6.74% - 17.49% |
Auto - 2014 through 2017 | 60 Months | 7.24% - 16.99% |
Auto - 2014 through 2017 | 72 Months¹ | 7.74% - 17.99% |
Auto - 2014 through 2017 | 84 Months² | 8.99% - 12.49% |
Auto - 2013 and Older | 12 Months | 7.74% - 18.74% |
Auto - 2013 and Older | 24 Months | 9.24% - 19.24% |
Auto - 2013 and Older | 36 Months | 9.74% - 19.99% |
Auto - 2013 and Older | 48 Months | 10.24% - 20.74% |
Relationship Pricing on Auto Loans is Now Available for Valued Members
Home Equity
Loan Type | Term | APR* |
First Mortgage - Fixed Rate | 10-Year | 5.49% - 10.24% |
First Mortgage - Fixed Rate | 12-Year | 5.74% - 10.74% |
First Mortgage - Fixed Rate | 15-Year | 5.99% - 11.24% |
First Mortgage - Fixed Rate | 20-Year | 6.49% - 11.99% |
Second Mortgage - Fixed Rate | 5-Year | 6.74% - 10.24% |
Second Mortgage - Fixed Rate | 7-Year | 6.99% - 11.74% |
Second Mortgage - Fixed Rate | 10-Year | 7.24% - 12.24% |
Second Mortgage - Fixed Rate | 12-Year | 7.49% - 12.74% |
Loan Type | Loan-to-Value | APR* |
HELOC - Variable Rate | 80% or lower | 6.75% - 9.75% |
HELOC - Variable Rate | 81% - 85% | 7.75% - 10.75% |
HELOC - Variable Rate | 86% - 90% | 8.75% - 11.75% |
All Other Loan Types
Loan Type | Term | APR* |
Share Certificate - Secured⁶ | Negotiable | Certificate Rate + 2.00% |
Share - Secured⁷ | 12 - 60 Months | 3.10% |
Overdraft Line of Credit | 12.50% | |
Raw Land | 60 Months | 8.74% - 11.99% |
Raw Land | 84 Months | 8.99% - 12.99% |
Raw Land | 120 Months | 9.49% - 13.99% |
Small Recreational Vehicles - 2021 and Newer | 48 Months | 7.99% - 15.24% |
Small Recreational Vehicles - 2021 and Newer | 60 Months | 8.24% - 15.99% |
Small Recreational Vehicles - 2021 and Newer | 72 Months¹ | 8.49% - 17.24% |
Small Recreational Vehicles - 2021 and Newer | 84 Months¹ | 8.74% - 18.49% |
Small Recreational Vehicles - 2016 - 2020 | 48 Months | 8.49% - 15.74% |
Small Recreational Vehicles - 2016 - 2020 | 60 Months | 8.74% - 16.49% |
Small Recreational Vehicles - 2016 - 2020 | 72 Months¹ | 8.99% - 17.74% |
Small Recreational Vehicles - 2016 - 2020 | 84 Months¹ | 9.24% - 18.99% |
Recreation Vehicle & Boat - 2021 and Newer | 96 Months¹ | 7.49% - 16.99% |
Recreation Vehicle & Boat - 2021 and Newer | 120 Months³ | 7.99% - 18.24% |
Recreation Vehicle & Boat - 2021 and Newer | 180 Months⁴ | 8.49% - 18.99% |
Recreation Vehicle & Boat - 2016 - 2020 | 96 Months¹ | 7.99% - 17.49% |
Recreation Vehicle & Boat - 2016 - 2020 | 120 Months³ | 8.49% - 18.74% |
Recreation Vehicle & Boat - 2016 - 2020 | 180 Months⁴ | 8.99% - 19.49% |
Personal
Loan Type | Term | APR* |
Personal Loan | 12 Months | 7.74% - 18.74% |
Personal Loan | 24 Months | 9.24% - 19.24% |
Personal Loan | 36 Months | 9.74% - 19.99% |
Personal Loan | 48 Months | 10.24% - 20.74% |
*APR = Annual Percentage Rate. LTV = Loan-to-value.
NMLS ID #781767
Rates and terms are subject to change without prior notice. Interest rates shown are the lowest and highest possible APRs available for the term shown and are dependent upon credit performance. All loans are subject to final credit approval. Please call (719) 473-5962 or (877) 524-7099 for additional information.
Home Equity or real estate secured loans are limited to properties located in the state of Colorado. Property insurance is required. Mortgage interest rates listed are for owner-occupied properties only with an LTV of 80% or less. Add 0.50% APR (first mortgage) and 1.00% APR (second mortgage) to Home Equity interest rate for LTV up to 90%. Closing costs (origination fee, appraisal, title policy and tax certificate) extra. Other rates and terms are available for non-owner-occupied properties. Raw land loan interest rates shown are for LTV of 70% or less and the property must be located in El Paso, Teller, Park, or Elbert County. In reference to an extension of credit that may exceed the fair market value of the dwelling, the interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax-deductible for Federal income tax purposes. Consult a tax advisor for further information regarding the deductibility of interest and charges.
Existing PPCU auto loan refinances and add-on requests will be subject to a refinance charge. Auto loan payment example: a $25,000 loan at 5.74% APR for 60 months would be $480.30 per month.
Home equity loan payment example: a $100,000 loan at 6.49% APY for 240 months would be $744.98 per month. The payment example does not include taxes and insurance. Your total monthly obligation may be higher. Pikes Peak Credit Union does not escrow for taxes and insurance.
1 Loan amount must be at least $15,000 to be eligible for the term shown.
2 Loan amount must be at least $20,000 to be eligible for the term shown.
3 Loan amount must be at least $30,000 to be eligible for the term shown.
4 Loan amount must be at least $40,000 to be eligible for the term shown.
5 Restrictions apply, contact the credit union for additional details.
6 Share certificate balance greater than or equal to the loan amount must be on deposit at Pikes Peak Credit Union.
7 Shares greater than or equal to the loan amount must be on deposit at Pikes Peak Credit Union.