Loan Rate Schedule - Autos
New/Current Year (Under 15,000 Miles)
Effective Date: February 23, 2022
Term | A+ (720 and Up) | A (685 - 719) | B (655 - 684) | C (620 - 654) | D (585 - 619) | E (584 or Less) |
36 Months |
1.69% |
1.69% |
2.10% |
7.15% |
10.15% |
12.90% |
48 Months |
1.89% |
1.89% |
2.20% |
7.40% |
10.40% |
13.40% |
60 Months |
1.89% |
1.89% |
2.30% |
7.60% |
10.40% |
13.90% |
66 Months |
2.00% |
2.00% |
4.35% |
8.10% |
11.15% |
n/a |
72 Months |
2.40% |
2.40% |
5.10% |
8.35% |
11.15% |
n/a |
84 Months |
3.00% |
3.00% |
6.90% |
9.90% |
13.40% |
n/a |
All rates are displayed with the APR: Annual Percentage Rate |
Used: 1 & 2 Years
Effective Date: January 2016
Term | A+ (720 and Up) | A (685 - 719) | B (655 - 684) | C (620 - 654) | D (585 - 619) | E (584 or Less) |
36 Months |
2.00% |
2.00% |
3.65% |
7.50% |
11.75% |
14.25% |
48 Months |
2.25% |
2.25% |
3.80% |
7.60% |
12.00% |
14.50% |
60 Months |
2.35% |
2.35% |
3.80% |
7.85% |
12.25% |
14.75% |
66 Months |
2.65% |
2.65% |
5.15% |
8.15% |
12.50% |
15.00% |
72 Months |
3.15% |
3.40% |
5.65% |
8.85% |
12.75% |
n/a |
All rates are displayed with the APR: Annual Percentage Rate |
Used: 3 & 4 Years
Effective Date: February 23, 2022
Term | A+ (720 and Up) | A (685 - 719) | B (655 - 684) | C (620 - 654) | D (585 - 619) | E (584 or Less) |
36 Months |
3.20% |
3.75% |
5.10% |
7.90% |
16.00% |
17.00% |
48 Months |
3.40% |
4.15% |
5.30% |
8.10% |
16.25% |
17.25% |
60 Months |
3.80% |
4.65% |
5.85% |
8.35% |
17.00% |
18.00% |
66 Months |
4.65% |
5.15% |
6.60% |
9.40% |
17.25% |
n/a |
All rates are displayed with the APR: Annual Percentage Rate |
Used: 5 Years & Older
Effective Date: February 23, 2022
Term | A+ (720 and Up) | A (685 - 719) | B (655 - 684) | C (620 - 654) | D (585 - 619) | E (584 or Less) |
36 Months |
5.00% |
5.20% |
6.45% |
8.45% |
16.00% |
17.00% |
48 Months |
5.25% |
5.45% |
6.95% |
8.70% |
16.25% |
17.25% |
60 Months |
5.50% |
5.70% |
7.45% |
8.95% |
17.00% |
18.00% |
All rates are displayed with the APR: Annual Percentage Rate |
Competitive Rate Adjustments: Secured Loans only - AVP and above authorization = down to 25bp below base rate.
Long Term Auto Loans
Long Term Auto Loans (Term of 66-months or Greater) |
66-Month Term Minimum Loan amount must be equal to or greater that $12,000.00 |
For loan balances below $12,000 member must have 10% equity in Auto. |
72-Month Term Minimum Loan amount must be equal to or greater that $15,000.00 |
For loan balances below $15,000 member must have 20% equity in Auto. |
84-Month Term Minimum Loan amount must be equal to or greater that $30,000.00 |
For loan balances below $30,000 member must have 30% equity in Auto. |
Credit Score Table
Credit Score Grade | Credit Score Range |
All loans subject to credit approval. Restrictions apply. Contact credit union for full details." and “Competitive Rate Adjustments: Secured Loans only - AVP and above authorization = down to 25bp below base rate. |
A+ |
720 and Up |
A |
685 - 719 |
B |
655 - 684 |
C |
620 - 654 |
D |
585 - 619 |
E |
584 or Less |