Educational Employees Credit Union

Rates

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Vehicle Loans

Rates effective December 1, 2014  

New Auto Loans
Autos 2011 and newer models

Auto Loan Maximum $100,000. Must be titled in California.
"As low as" rate includes .50% discount for automatic payment from checking account.

Student New Auto Loans
Autos 2011 and newer

Auto Loan Maximum $20,000. Must be titled in California. Required automatic payment from checking account.

Used Auto Loans
Autos 2008 - 2010 models

Auto Loan Maximum $100,000. Must be titled in California.
"As low as" rate includes .50% discount for automatic payment from checking account.

Student Used Auto Loans
Autos 2008 - 2010

Auto Loan Maximum $20,000. Must be titled in California. Required automatic payment.

New RV/Boat Loans
RV Maximum: $250,000       Boat Maximum: $100,000. Must be titled in California.
RV's: 2011 and newer models       Boats: Not Previously Registered

"As low as" rate includes .50% discount for automatic payment from checking account. Trailer max. length 48 ft and/or width 8.5 ft. Must be titled in California.

Used RV/Boat Loans
RV Maximum: $250,000       Boat Maximum: $100,000
RV's: 2010 and older models       Boats: Previously Registered

"As low as" rate includes .50% discount for automatic payment from checking account. Trailer max. length 48 ft and/or width 8.5 ft. Must be titled in California.

Golden Auto Loans
1994 - 2007 models listed in the current Kelley Older Car Guide

 

Classic Auto Loans
2004 or older collectible vehicles

Golden Auto Loan Maximum $100,000. Classic Auto Loan Maximum $50,000. Must be titled in California.
"As low as" rate includes .50% discount for automatic payment from checking account.

Motorcycle Loans

New & Used Off-Road Vehicle Loans

New/Used Motorcycle Loan Maximum $30,000. Off-Road Vehicle Loan Maximum $20,000. Must be titled in California. "As low as" rate includes .50% discount for automatic payment from checking account.

Invest in America with Driving the Discount

*Actual rate depends upon credit history and other factors. Lowest rate shown includes .50% automatic payment discount from checking account. Rates are not available for refinancing existing EECU loans. Rates subject to change without notice.

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).

 

EECU Call Center
1-800-538-EECU (3328)