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| Loan Rates | ||||
| New Cars 2022-2024 | ||||
| Credit Scores | 1-36 months | 37 to 60 months | 61 to 72 months | Percent Financed |
| 800-850 | 3.5% | 4% | 4.5% | 100% |
| 725-789 | 4.0% | 5% | 5.5% | 100% |
| 625-724 | 4.5% | 6% | 7% | 100% |
| 550-624 | 6.0% | 7.% | 9.5% | 100% |
| 549-Below | 10.% | 12% | 14% | 100% |
| ** A Credit Score of less than 525 will be required to make a down payment** | ||||
| Used Vehicles 2014-21 | ||||
| Credit Scores | 1-36 months | 37 to 60 months | Percent Financed | |
| 750-850 | 5% | 6% | 100% | |
| 650-749 | 6% | 6.5% | 100% | |
| 600-649 | 7% | 8.5% | 100% | |
| 550-599 | 8% | 10% | 100% | |
| 549-Below | 9% | 12% | 90% | |
| *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 2013 or older or special purpose vehicles must be approved by management | ||||
| NOTE: 2013 and older vehicles if approved, maximum of 3 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 on car loans at no cost to Credit Union Members (Maybe excluded Dependent on Age / Financed Amount) | ||||
| ALL LOANS WILL BE CONSIDERED FROM INFORMATION ON LOAN APPLICATION, CREDIT SCORE AND PAYMENT HISTORY | ||||
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