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Rates

Loan Rate Schedule - Autos

Home > Loans > Loan Rate Schedule - Autos

Loan Rate Schedule - Autos

New/Current Year (Under 15,000 Miles)
Effective Date: January 2016
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Months 2.10% 2.10% 4.25% 7.15% 10.15% 12.90%
48 Months 2.20% 2.20% 4.30% 7.40% 10.40% 13.40%
60 Months 2.30% 2.30% 4.35% 7.60% 10.40% 13.90%
66 Months 2.40% 2.40% 4.35% 8.10% 11.15% n/a
72 Months 3.15% 3.15% 5.10% 8.35% 11.15% n/a
84 Months 4.40% 4.40% 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
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Months 2.25% 2.25% 4.65% 7.50% 11.75% 14.25%
48 Months 2.35% 2.45% 4.80% 7.60% 12.00% 14.50%
60 Months 2.45% 2.65% 4.80% 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: January 2016
TermA+ (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% 12.50% 14.75%
48 Months 3.40% 4.15% 5.30% 8.10% 12.75% 15.00%
60 Months 3.80% 4.65% 5.85% 8.35% 13.00% 15.25%
66 Months 4.65% 5.15% 6.60% 9.40% 13.25% n/a
All rates are displayed with the APR:  Annual Percentage Rate

Used: 5 Years & Older
Effective Date: January 2016
TermA+ (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% 13.50% 14.75%
48 Months 5.25% 5.45% 6.95% 8.70% 13.75% 15.00%
60 Months 5.50% 5.70% 7.45% 8.95% 14.00% 15.25%
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 GradeCredit 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