Loan Rate Schedule - Autos
New/Current Year (Under 15,000 Miles)
Effective Date: March 22, 2023
Term | A+ (720 and Up) | A (685 - 719) | B (655 - 684) | C (620 - 654) | D (585 - 619) | E (584 or Less) |
36 Months |
4.19% |
4.19% |
4.69% |
9.15% |
12.15% |
15.90% |
48 Months |
4.39% |
4.39% |
4.89% |
9.40% |
12.40% |
16.00% |
60 Months |
4.39% |
4.39% |
5.00% |
9.60% |
12.90% |
16.40% |
66 Months |
4.50% |
4.50% |
6.35% |
10.10% |
13.15% |
n/a |
72 Months |
4.90% |
4.90% |
7.10% |
10.35% |
14.00% |
n/a |
84 Months |
5.50% |
5.50% |
8.90% |
11.90% |
15.40% |
n/a |
All rates are displayed with the APR: Annual Percentage Rate |
Used: 1 & 2 Years
Effective Date: March 22, 2023
Term | A+ (720 and Up) | A (685 - 719) | B (655 - 684) | C (620 - 654) | D (585 - 619) | E (584 or Less) |
36 Months |
4.50% |
4.50% |
5.65% |
9.50% |
13.75% |
16.25% |
48 Months |
4.75% |
4.75% |
5.80% |
9.60% |
14.00% |
16.50% |
60 Months |
4.85% |
4.85% |
5.85% |
9.85% |
14.25% |
17.25% |
66 Months |
5.15% |
5.15% |
7.15% |
10.15% |
14.50% |
17.50% |
72 Months |
5.65% |
5.65% |
7.65% |
10.85% |
15.25% |
n/a |
All rates are displayed with the APR: Annual Percentage Rate |
Used: 3 & 4 Years
Effective Date: March 22, 2023
Term | A+ (720 and Up) | A (685 - 719) | B (655 - 684) | C (620 - 654) | D (585 - 619) | E (584 or Less) |
36 Months |
5.70% |
6.20% |
7.10% |
9.90% |
16.00% |
17.00% |
48 Months |
5.90% |
6.40% |
7.30% |
10.10% |
16.25% |
17.25% |
60 Months |
5.90% |
6.40% |
7.85% |
10.35% |
17.00% |
18.00% |
66 Months |
7.15% |
7.65% |
8.60% |
11.40% |
17.25% |
n/a |
All rates are displayed with the APR: Annual Percentage Rate |
Used: 5 Years & Older
Effective Date: March 22, 2023
Term | A+ (720 and Up) | A (685 - 719) | B (655 - 684) | C (620 - 654) | D (585 - 619) | E (584 or Less) |
36 Months |
7.50% |
7.50% |
8.45% |
10.45% |
16.50% |
17.50% |
48 Months |
7.75% |
7.75% |
8.95% |
10.70% |
16.75% |
17.75% |
60 Months |
8.00% |
8.00% |
9.45% |
10.95% |
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 |