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 |