Loan Rates

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LTV over 100% Rate Add On: +0.50 up to 110% or +1.00 up to 120% (Credit Officer Approval). Less than 70% LTV Rate Discount: -0.25.  Term Rate Add On: 61-72 months +0.25  73-84 months +1.50. Term Rate Discount: 48 months or less -0.10. Model Year (2014 and Older) Add On: +0.50.

*LTV is NADA Adjusted Retail Book plus taxes, D & H, warranty & insurance for all tiers for used vehicles. New vehicles (current year models plus year before with less than 2,000 miles) are based on MSRP.

Also, Sight inspection required on Older Used (2014 and Older) Automobiles. Mileage over 100,000 will be reduced by 25% of the current retail value listed in NADA.

Paper B or higher will finance 100% of Retail Value. Paper C maximum of 80% of Retail Value.

Finance 90% of NADA Loan Value. 10% trade or cash down payment required. Recreational Vehicles ten (10) years and older, the maximum term up to 72 months.

Finance 90% NADA Loan Value. 10% trade or cash down payment required.

The interest rates are evaluated by the Board of Directors. Terms vary based on value and year of vehicle. All applications subject to member credit qualification.

100% secured using NADA Retail Value on vehicles in the current NADA or Trade-in value on vehicles over seven (7) years.

A & B Paper
Current NADA Retail Value and 2x gross monthly income.
C Paper
Current NADA Retail Value and 1.5x gross monthly income. 
D Paper
Current NADA Retail Value and 1x gross monthly income.
 

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• Terms: 10 year draw period, up to 15 years to repay the balance.
• Payments: 1% of outstanding principal balance with minimum payment of $100.00.
• HELOC has a floor rate of 3.00% APR, and a ceiling rate of 18% APR
• Current Prime Rate = 3.25% APR

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Maximum term on Shared Secured is 60 months.

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