Loan Rate Schedule - Autos
New/Current Year (Under 15,000 Miles)
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 | 2.10% | 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
| Term | A+ (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
| 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% | 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
| 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% | 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 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 |