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Rates

Loan Rates Savings Rates

Effective as of: January 15, 2025
Loan Rates
New Cars 2022-2025
Credit Scores1-36 months37 to 60 months61 to 72 monthsPercent Financed
800-8503.5%4.5%5.0%100%
725-7994.0%5%5.5%100%
625-7244.5%6%7%100%
550-6246.0%7.5%9.5%100%
549-Below*10%12%NA90%
* Limited to Vehicle Cost less than $25,000
**A Credit Score of less than 549 will be required to make a down payment**
 
Used Vehicles 2015-2021
Credit Scores1-36 months37 to 60 months61 to 72 monthsPercent Financed
750-8505%6%NA100%
650-7496%6.5%NA100%
600-6497%8.5%NA100%
550-5998%10% - 48 mo maxNA100%
549-Below**9%12%- 48 mo maxNA90%
*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 2014 or older or special purpose vehicles must be approved by management
NOTE: 2014 and older vehicles if approved, maximum of 48 months financing
***** May provide extending loan length depending on Management approval.
**There will be a $50.00 processing fee on all auto loans and a $25 Title Fee.
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 on car loans at no cost to Credit Union Members (Dependent on age, financing)
ALL LOANS WILL BE CONSIDERED FROM INFORMATION ON LOAN APPLICATION, CREDIT SCORE AND PAYMENT HISTORY
Loan Approvals Are Not Guaranteed

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