Loan Rates

Rates are effective November 1st, 2018 and are subject to change without advanced notice

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New and Used Automobile

Suffix 5001-5010 New
Suffix 5021-5030 Used

Suffix 5041-5050 New Indirect
Suffix 5061-5070 Used Indirect

Paper Credit Bureau Score As Low As
A+ S3 800 & Higher 4.24%
A+ S2 780 - 799 4.24%
A+ S1 760 - 779 4.39%
A+ 740 - 759 4.74%
A 720 - 739 5.09%
B+ 700 - 719 5.84%
B 680 - 699 6.84%
C+ 660 - 679 8.84%
C 640 - 659 11.84%
D 600 - 639 12.69%
E > 600 18.00%

LTV over 100% Rate Add On: +0.50 up to 110% or +1.00 up to 120% (Credit Officer Approval). Less than 70% LTV Rate Discount: -0.25.  A loan financed for $18,000.00 or higher can qualify up to 84 months. Term Rate Add On: 61-72 months +0.25  73-84 months +1.50. Term Rate Discount: 48 months or less -0.10. Model Year (2012 and Older) Add On: +0.50.

*LTV is NADA Adjusted Retail Book plus taxes, D & H, warranty & insurance for all tiers for used vehicles. New vehicles (current year models plus year before with less than 2,000 miles) are based on MSRP.

Also, Sight inspeciton required on Older Used (2012 and Older) Automobiles. Mileage over 100,000 will be reduced by 25% of the current retail value listed in NADA.

Classic and Exotic Autombile
Suffix 5241-5250
Paper A+ A B C D
Maximum LTVs 100% 100% 100% 80% N/A
as low as 4.49% 4.49% 5.99% 6.99% N/A

Paper B or higher will finance 100% of Retail Value. Paper C maximum of 80% of Retail Value.

New/Used Recreational Vehicles
Suffix 5161-5170
Paper A+ A B C D
Up to 120 Months 4.99% 5.25% 5.99% 9.99% N/A

Finance 90% of NADA Loan Value. 10% trade or cash down payment required. Recreational Vehicles ten (10) years and older, the maximum term up to 72 months.

New Motorcycle
Suffix 5181-5190
Paper A+ A B C D
Up to 60 Months 3.99% 4.49% 5.99% 9.49% N/A

Finance 90% NADA Loan Value. 10% trade or cash down payment required.

Used Motorcycle
Suffix 5201-5210
Paper A+ A B C D
Maximum LTV 90% 85% 80% 75% N/A
Up to 48 Months 4.99% 5.49% 6.49% 10.25% N/A

The interest rates are evaluated by the Board of Directors. Terms vary based on value and year of vehicle. All applications subject to member credit qualification.

Multi-Collateral
Suffix 5261-5270
Paper A+ A B C D
as low as 6.49% 6.99% 7.99% 9.99% 11.99%

100% secured using NADA Retail Value on vehicles in the current NADA or Trade-in value on vehicles over seven (7) years.

Mixed-Collateral Partially Secured
Suffix 5221-5230
Paper A+ A B C D
as low as 8.49% 9.00% 10.00% 11.99% 16.99%

A & B Paper
Current NADA Retail Value and 2x gross monthly income.
C Paper
Current NADA Retail Value and 1.5x gross monthly income. 
D Paper
Current NADA Retail Value and 1x gross monthly income.
 

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Real Estate and Home Equity Closed End Loans Up to 180 Months
Paper A B C D
Terms up to 15 Years 95% LTV 95% LTV 95% LTV 95% LTV
  5.25% 6.25% 7.00% 7.50%
HELOC (Line of Credit)
Score LTV Rate
A - 700 or higher Up to 95% Prime
B - 680-699 Up to 95% Prime +1
C - 660-679 Up to 95% Prime +2
D - 640-659 Up to 75% Prime +3
  • Terms: 10 year draw period, up to 15 years to repay the balance.
  • Payments: 1% of outstanding principal balance with minimum payment of $100.00.
  • HELOC has a floor rate of 3.00% APR, and a ceiling rate of 18% APR
  • Current Prime Rate = 5.25% APR

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Personal Advance
Suffix 6081-6090
Paper A+ A B C D
as low as 8.99% 9.49% 10.99% 12.99% 17.99%
Preferred LOC
Suffix 6061-6070
Paper A+ A B C D
  7.99% 8.49% 9.99% 11.99% N/A
Miscellaneous Loans
Loan Rate
VISA Credit Card   14.90%
VISA Platinum 8.90%
Share Overdraft/QuickFix 18.00%
Share Secured SC Rate + 3%
Share Certificate SC Rate + 3%
PinPoint Loan 12.99%

Maximum term on Shared Secured is 60 months.

Click here for VISA Credit Card Disclosures.