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Vehicle Loan Rates Effective July 1, 2008
| New Auto Loans Autos 2005 and newer models |
| Payment Schedule | APR From | APR To |
| 36 months | 4.45% | 8.45% |
| 48 months | 4.45% | 8.45% |
| 60 months, $5,000 minimum | 4.45% | 8.45% |
| 72 months, $15,000 minimum | 4.45% | 8.45% |
| 84 months, $25,000 minimum | 5.40% | 9.40% |
Take an additional .25% APR off of the rates listed above when you purchase any energy-efficient vehicle that is rated seven or better in Air Pollution and Greenhouse Gas scores by the Environmental Protection Agency (EPA).
"From" rate includes a .50% discount for automatic payment.
Auto Loan Maximum $100,000
| New RV/Boat Loans Not Previously Registered |
| Payment Schedule | APR From | APR To |
| 36 months | 4.74% | 8.74% |
| 48 months | 4.74% | 8.74% |
| 60 months, $5,000 minimum | 4.74% | 8.74% |
| 72 months, $15,000 minimum | 4.74% | 8.74% |
| 84 months, $25,000 minimum | 5.40% | 9.40% |
| 120 months, $30,000 minimum | 7.04% | 11.04% |
| 144 months, $35,000 minimum | 7.44% | 11.44% |
| 180 months, $50,000 minimum (RV only) | 8.44% | 12.44% |
"From" rate includes a .50% discount for automatic payment.
Boat Loan Maximum $100,000; RV Loan Maximum $250,000.
| Used Auto Loans Autos 2002 - 2004 models |
| Payment Schedule | APR From | APR To |
| 36 months | 5.65% | 9.65% |
| 48 months | 5.65% | 9.65% |
| 60 months, $5,000 minimum | 5.65% | 9.65% |
| 72 months, $15,000 minimum | 5.65% | 9.65% |
| 84 months, $25,000 minimum | 6.74% | 10.74% |
Take an additional .25% APR off of the rates listed above when you purchase any energy-efficient vehicle that is rated seven or better in Air Pollution and Greenhouse Gas scores by the Environmental Protection Agency (EPA).
"From" rate includes a .50% discount for automatic payment.
Auto Loan Maximum $100,000
| Used RV/Boat Loans Previously Registered |
| Payment Schedule | APR From | APR To |
| 36 months | 5.65% | 9.65% |
| 48 months | 5.65% | 9.65% |
| 60 months, $5,000 minimum | 5.65% | 9.65% |
| 72 months, $15,000 minimum | 5.65% | 9.65% |
| 84 months, $25,000 minimum | 6.74% | 10.74% |
| 120 months, $30,000 minimum | 8.54% | 12.54% |
| 144 months, $35,000 minimum | 8.94% | 12.94% |
| 180 months, $50,000 minimum (RV only) | 9.94% | 13.94% |
"From" rate includes a .50% discount for automatic payment.
Boat Loan Maximum $100,000; RV Loan Maximum $250,000.
| Golden Auto Loans 1988 - 2001 models listed in the current Kelley Older Car Guide |
| Payment Schedule | APR From | APR To |
| 36 months | 6.49% | 10.49% |
| 48 months, $5,000 minimum | 6.99% | 10.99% |
| 60 months, $10,000 minimum | 7.19% | 11.19% |
| 72 months, $15,000 minimum | 7.19% | 11.19% |
| Classic Auto Loans 1998 or older collectible vehicles |
| Payment Schedule | APR From | APR To |
| Up to 60 months, $5,000 minimum | 8.19% | 12.19% |
"From" rate includes a .50% discount for automatic payment.
Golden Auto Loan Maximum $100,000. Classic Auto Loan Maximum $50,000.
| Motorcycle Loans |
| Payment Schedule | APR From | APR To |
| New Motorcycle Loans | ||
| 36 months | 5.74% | 9.74% |
| 48 months, $2,500 minimum | 6.24% | 10.24% |
| 60 months, $5,000 minimum | 6.24% | 10.24% |
| 72 months, $15,000 minimum | 6.24% | 10.24% |
| Used Motorcycle Loans | ||
| 36 months | 6.24% | 10.24% |
| 48 months, $2,500 minimum | 6.74% | 10.74% |
| 60 months, $5,000 minimum | 6.74% | 10.74% |
| 72 months, $15,000 minimum | 6.74% | 10.74% |
| New & Used Off-Road Vehicle Loans |
| Payment Schedule | APR From | APR To |
| 36 months, $1,000 minimum | 9.75% | 13.75% |
| 48 months, $2,500 minimum | 10.00% | 14.00% |
| 60 months, $5,000 minimum | 10.25% | 14.25% |
"From" rate includes a .50% discount for automatic payment.
New/Used Motorcycle Loan Maximum $30,000. Off-Road Vehicle Loan Maximum $20,000
These rates are not available for refinancing existing EECU loans.
How Interest Rates Are Determined: To make loans available to as many members as possible, we offer a variety of rates. The actual rate of interest applicable to your loan will depend on a number of factors including, but not limited to, credit history and loan payments by automatic payment. The rate assigned will be disclosed to you before you become obligated. (A .50% discount for loan payments by automatic payment is available on certain loan types.) Your reduced rate may be discontinued without advance notice in the month in which you stop making automated payments (Master Loan Disclosure, Section D,4.2). The rate reduction does not apply to VISA credit cards, certain unsecured loans or share secured loan sub-accounts.
New Auto Financing: Dealer Purchase - Current Year Model: 100% of purchase price, not to exceed 120% of MSRP (Manufacturer's Suggested Retail Price) including tax, license, Mechanical Breakdown Insurance (MBI) or dealer warranty, Guaranteed Auto Protection (GAP) waiver, upgrades (accessories), and applicable EECU fees. Dealer/Private Party Purchase: 100% of retail Kelley Blue Book value, not to exceed 120% of MSRP, including tax, license, (registration fees if due within 120 days) Mechanical Breakdown Insurance (MBI) or dealer warranty, Guaranteed Auto Protection (GAP) waiver, and applicable EECU fees.
Used Auto Financing: Financing available up to 100% of retail Kelley blue book (plus tax, license, and MBI).
