Vehicle Loans for both new and used automobiles are availble for our members.

APR is based on members FICO score

Debt ratio limit 50%

$10.00 automobile loan application fee

September 2022 rates

* Revised and Board approved: 08/30/2022

Vehicle Model Year 2021, 2022, 2023 and under 24,000 miles
Credit Rating (FICO score)	Max LTV (loan to value)	Maximum Term (months)	Rate %
A+ 720 plus	125%	84	3.75%
A 700-719	125%	78	3.99%
B+ 680-699	120%	78	4.84%
B 660-679	115%	78	5.34%
C+ 640-659	105%	72	6.59%
C 620-639	100%	72	7.84%
D+ 600-619	100%	60	9.84%
D 580-599	100%	60	10.59%
E+ 560-579	100%	60	13.34%
E 540-559	100%	60	15.09%
Subprime	100%	48	18.00%

Vehicle Model Year 2020 and older
Credit Rating (FICO score)	Max LTV (loan to value)	Maximum Term (months)	Rate %
A+ 720 plus	110%	84	4.50%
A 700-719	110%	78	4.74%
B+ 680-699	100%	78	5.59%
B 660-679	100%	78	6.09%
C+ 640-659	95%	72	7.34%
C 620-639	95%	72	8.59%
D+ 600-619	90%	60	10.59%
D 580-599	90%	60	11.34%
E+ 560-579	85%	60	14.09%
E 540-559	85%	60	15.84%
Subprime	75%	48	18.00%