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Loan Rate Schedule - Autos

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Loan Rate Schedule - Autos

New/Current Year (Under 15,000 Miles)
Effective Date: March 22, 2023
TermA+ (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
TermA+ (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
TermA+ (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
TermA+ (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 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