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| Loan Rates | ||||
| New Cars 2018-2023 | ||||
| Credit Scores | 1-36 months | 37 to 60 months | 61 to 72 months | Percent Financed |
| 775-850 | 3.5% | 4% | 4.5% | 100% |
| 700-774 | 4.25% | 5% | 5.5% | 100% |
| 600-699 | 4.5% | 6% | 7% | 100% |
| 550-599 | 5.5% | 7% | 9.5% | 100% |
| 549-Below | 7.5% | 10% | 12.5% | 100% |
| ** A Credit Score of less than 525 will be required to make a down payment** | ||||
| Used Vehicles 2012-2017 | ||||
| Credit Scores | 1-36 months | 37 to 60 months | 61 to 72 months | Percent Financed |
| 750-850 | 5% | 6% | 6.5% | 100% |
| 650-749 | 6% | 6.5% | 7.5% | 100% |
| 600-649 | 7% | 8.5% | 10% | 100% |
| 550-599 | 8% | 10% | 13% | 100% |
| 549-Below | 9% | 12% | 15% | 100% |
| *Note: We do not finance vehicles loans that are upside down.( Purchase price of vehicle does not meet N.A.D.A value.)* | ||||
| Loans on Vehicles 2011 or older or special purpose vehicles must be approved by management | ||||
| NOTE: 2011 and older vehicles if approved, maximum of 48 months financing | ||||
| **There will be a $50.00 processing fee on all auto loans and a $25 Title Fee. effective 02/01/2020.** | ||||
| If you receive a lower quote from another financial instution, call us, we can match or beat rates quoted. (Proof Required) | ||||
| GAP Insurance will be included in new car loans at no cost to Credit Union Members | ||||
| ALL LOANS WILL BE CONSIDERED FROM INFORMA T/ON ON LOAN APPLICATION, CREDIT SCORE AND PAYMENT HISTORY | ||||
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