The Softite Community FCU is a personal loan from Softite Community FCU. The ongoing APR is 36 months 10.00% - 16.25%; 48 months 10.50% - 17.95%; 60 months (over $5,000.00) 11.00% - 17.95%; 72 months (over $7,500.00) 11.50% - 17.95%; 84 months (over $10,000.00) 12.00% - 17.95% (rates effective February 23, 2026; rate tiers A++ 780+ / A+ 730-779 / A 680-729 / B 640-679 / C 600-639 / D & E 599 or less). Loan terms: 36 to 84 months (60 months over $5,000.00; 72 months over $7,500.00; 84 months over $10,000.00).