The Softite Community FCU is a personal loan from Softite Community FCU. The ongoing APR is 12 months 10.50% - 17.50%; 24 months 11.50% - 17.95%; 36 months 13.00% - 17.95%; 48 months (over $3,000.00) 14.75% - 17.95%; 60 months (over $3,000.00) 16.00% - 17.95% (599 or less: CALL) (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). Typical credit limit: Max 25% of gross yearly income. Loan terms: 12 to 60 months (48 and 60 months over $3,000.00).