Auto Rates

Click here to see our Consumer Loan Rate Sheet.

Auto Loan Rates

Rates effective as of April 18th, 2014
Loan Type Range
New Autos, Vans, Trucks & SUVs (2012 or Newer)
12 - 36 Months 1.99% APR* - 13.99% APR*
37 - 48 Months 1.99% APR* - 13.99% APR*
49 - 60 Months 1.99% APR* - 13.99% APR*
61 - 72 Months 2.34% APR* - 14.34% APR*
73 - 84 Months 2.54% APR* - 5.54% APR*
New Hybrid/Smartway Elite Autos, Vans, Trucks & SUVs (2012 or Newer)
24 - 36 Months 1.74% APR* - 13.74% APR*
37 - 48 Months 1.74% APR* - 13.74% APR*
49 - 60 Months 1.74% APR* - 13.74% APR*
61 - 72 Months 2.09% APR* - 14.09% APR*
73 - 84 Months 2.29% APR* - 5.29% APR*
Used Autos, Vans, Trucks & SUVs (2009 to 2011)
12 - 36 Months 1.99% APR* - 13.99% APR*
37 - 48 Months 1.99% APR* - 13.99% APR*
49 - 60 Months 1.99% APR* - 13.99% APR*
61 - 72 Months 2.34% APR* - 14.34% APR*
73 - 84 Months 2.94% APR* - 5.99% APR*
Older Autos, Vans, Trucks & SUVs (2008 or Older)
24 - 36 Months 2.89% APR* - 14.89% APR*
37 - 48 Months 2.89% APR* - 14.89% APR*
49 - 60 Months 2.89% APR* - 14.89% APR*
61 - 72 Months 3.09% APR* - 15.09% APR*

*APR = ANNUAL PERCENTAGE RATE. Rates are based on your credit history and credit qualifications. We may finance up to 100% NADA/KBB retail value MSRP, plus any taxes, title fees, or dealer maintenance contracts. For Older Autos (2008 and older) we may finance up to 100% of NADA/KBB for Tiers 1-2 borrowers and up to 80% of NADA/KBB on Tiers 3-6 borrowers. Autos with over 100K miles we may finance up to 100% for Tier 1 borrowers and up to 80% of NADA/KBB retail value for Tier 2-6 borrowers plus any taxes, title fees, or dealer maintenance contracts. Estimated repayment periods: 12-84 months; 72 month repayment period requires $10,000 minimum loan amount; 84 month repayment period requires an applicant credit score of 610 or better for New and Used Auto Loans and a $15,000 minimum loan amount. Max 72 month repayment period for Older Autos. Dealer maintenance contracts are limited to $3,500. We do not finance reconstructed/salvaged vehicles or lemon law buybacks. Additional terms may apply; contact the Credit Union for more information.

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