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Rates

Vehicle Loan Rates Effective September 1, 2010

New Auto Loans
Autos 2007 and newer models
TermAPR As Low AsEstimated Monthly Payment based on "As low As" Rate
36 months3.40%$29.26 per $1,000
48 months3.40%$22.31 per $1,000
60 months, $5,000 minimum3.40%$18.15 per $1,000
72 months, $15,000 minimum3.40%$15.37 per $1,000
84 months, $25,000 minimum4.85%$14.06 per $1,000

Student New Auto Loan Rates

Auto Loan Maximum $100,000
"From" rate includes .50% discount for automatic payment and .25% discount for 80% loan-to-value (LTV). 

New RV/Boat Loans
 RV Maximum:  $250,000      Boat Maximum:  $100,000
RV's:  2007 and newer models    Boats:  Not Previously Registered
TermAPR As Low AsEstimated Monthly Payment based on "As low As" Rate
36 months5.49%$30.19 per $1,000
48 months5.49%$23.25 per $1,000
60 months, $5,000 minimum5.49%$19.10 per $1,000
72 months, $15,000 minimum5.49%$16.33 per $1,000
84 months, $25,000 minimum6.15%$14.68 per $1,000
120 months, $30,000 minimum7.79%$12.02 per $1,000
144 months, $35,000 minimum8.19%$10.93 per $1,000
180 months, $50,000 minimum (RV only)9.19%$10.26 per $1,000

Boat Loan Maximum $100,000; RV Loan Maximum $250,000.
"From" rate includes .50% discount for automatic payment and .25% discount for 80% loan-to-value (LTV). 

Used Auto Loans
Autos 2004 - 2006 models
TermAPR As Low AsEstimated Monthly Payment based on "As low As" Rate
36 months4.60%$29.79 per $1,000
48 months4.60%$22.85 per $1,000
60 months, $5,000 minimum4.60%$18.69 per $1,000
72 months, $15,000 minimum4.94%$16.08 per $1,000
84 months, $25,000 minimum6.19%$14.70 per $1,000

Student Used Auto Loan Rates

Auto Loan Maximum $100,000
"From" rate includes .50% discount for automatic payment and .25% discount for 80% loan-to-value (LTV). 

Used RV/Boat Loans
 RV Maximum:  $250,000      Boat Maximum:  $100,000
RV's:  2006 and older models    Boats:  Previously Registered
TermAPR As Low AsEstimated Monthly Payment based on "As low As" Rate
36 months6.40%$30.60 per $1,000
48 months6.40%$23.67 per $1,000
60 months, $5,000 minimum6.40%$19.52 per $1,000
72 months, $15,000 minimum6.40%$16.67 per $1,000
84 months, $25,000 minimum7.49%$15.33 per $1,000
120 months, $30,000 minimum9.29%$12.83 per $1,000
144 months, $35,000 minimum9.69%$11.77 per $1,000
180 months, $50,000 minimum (RV only)10.69%$11.17 per $1,000


Boat Loan Maximum $100,000; RV Loan Maximum $250,000.
"From" rate includes .50% discount for automatic payment and .25% discount for 80% loan-to-value (LTV). 

Golden Auto Loans
1990 - 2003 models listed in the current Kelley Older Car Guide
TermAPR As Low AsEstimated Monthly Payment based on "As low As" Rate
36 months6.24%$30.53 per $1,000
48 months, $5,000 minimum6.74%$23.83 per $1,000
60 months, $10,000 minimum6.94%$19.77 per $1,000
72 months, $15,000 minimum6.94%$17.02 per $1,000


Classic Auto Loans
2000 or older collectible vehicles
TermAPR As Low AsEstimated Monthly Payment based on "As low As" Rate
Up to 60 months, $5,000 minimum7.94%$20.25 per $1,000

Golden Auto Loan Maximum $100,000. Classic Auto Loan Maximum $50,000.
"From" rate includes .50% discount for automatic payment and .25% discount for 80% loan-to-value (LTV). 

Motorcycle Loans
TermAPR As Low AsEstimated Monthly Payment based on "As low As" Rate
New Motorcycle Loans
36 months6.49%$30.64 per $1,000
48 months, $2,500 minimum6.99%$23.94 per $1,000
60 months, $5,000 minimum6.99%$19.80 per $1,000
72 months, $15,000 minimum6.99%$17.04 per $1,000
Used Motorcycle Loans
36 months6.99%$30.87 per $1,000
48 months, $2,500 minimum7.49%$24.17 per $1,000
60 months, $5,000 minimum7.49%$20.03 per $1,000
72 months, $15,000 minimum7.49%$17.29 per $1,000


New & Used Off-Road Vehicle Loans
TermAPR As Low AsEstimated Monthly Payment based on "As low As" Rate
36 months, $1,000 minimum10.50%$32.50 per $1,000
48 months, $2,500 minimum10.75%$25.72 per $1,000
60 months, $5,000 minimum11.00%$21.74 per $1,000

New/Used Motorcycle Loan Maximum $30,000. Off-Road Vehicle Loan Maximum $20,000
"From" rate includes .50% discount for automatic payment and .25% discount for 80% loan-to-value (LTV). 

*Actual rate depends upon credit history and other factors. Lowest rate shown includes .50% automatic payment discount and .25% discount for 80% Loan-To-Value (LTV). Rates are not available for refinancing existing EECU loans. Rates subject to change without notice.

An additional .25% Green Auto Loan discount is available on any energy-efficient vehicle rated 7 or higher by the Environmental Protection Agency (EPA) in the areas of Air Pollution Score and Greenhouse Gas Score.

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 - Marked new on the purchase order: 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 Purchase - Marked used on the purchase order: 100% of retail Kelly blue book (plus tax, license, MBI or dealer warranty, GAP, and EECU applicable fees). Private Party Purchase: 100% of retail Kelly blue book (plus tax, license, MBI or dealer warranty, GAP, and EECU applicable fees). 

Used Auto Financing: Financing available up to 100% of retail Kelley blue book or NADA Guide (plus tax, license, MBI or dealer warranty, GAP, and EECU applicable fees).

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