Year of Vehicle Maximum Loan Term Credit Score Interest Rate and APR

750+ 4.49%

700-749 4.99%

675-699 5.99%

674- N/A

750+ 3.99%

700-749 4.49%

675-699 5.49%

650-674 5.99%

649- 7.99%

750+ 2.99%

700-749 3.49%

675-699 4.49%

650-674 4.99%

649- 6.99%

750+ 2.49%

700-749 2.99%

675-699 3.49%

650-674 4.49%

649- 6.49%

750+ 4.49%

700-749 5.49%

675-699 6.49%

650-674 7.49%

649- 8.49%

750+ 3.49%

700-749 4.49%

675-699 5.49%

650-674 6.49%

649- 7.49%

$9001 or above 4 yr

$6001-$9000 3 yr

$3001-$6000 2 yr

$3000 or below 1 yr

700+ 4.15%

675-699 5.65%

650-674 6.65%

649- 7.65%

High (over100%) LTV Loans:* Must meet all the qualifications

2011 & Older36 Months

(3 Years)

Fresh Start Program

The Fresh Start Program is for members who do not qualify for our regular loan program per policy but

show other positive factors.

LOAN RATES Federally Insured by NCUA

New & Used VehiclesEffective 1/23/2018

2012 & Newer48 Months

(4 years)

2012 & Newer60 months

(5 Years)

2015 & Newer72 Months

(6 Years)

2016 & Newer84 Months

(7 Years)

2011 & Older48 Months

(4 years)

Applicants must meet underwriting guidelines to be approved. 2011 & Newer Clean Retail Value, 2010 &

Older Clean Trade in value. High mileage vehicles subject to lower terms.

10.00%

Classic/Antique60 Months

(5 years)

* Max LTV 125% Not including GAP or Warranty

* Term may be shorter due to mileage

* Minimum credit score of 700 * Max DTI 35%