Vehicles

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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.