Vehicle Loans

Effective May 1, 2012

New Auto Loans
Autos 2009 and newer models

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

Student New Auto Loans
Autos 2009 and newer

Auto Loan Maximum $20,000. Required automatic payment.

Used Auto Loans
Autos 2006 - 2008 models

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

Student Used Auto Loans
Autos 2006 - 2008

Auto Loan Maximum $20,000. Required automatic payment.

New RV/Boat Loans
RV Maximum: $250,000       Boat Maximum: $100,000
RV's: 2009 and newer models       Boats: Not Previously Registered

"As low as" 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: 2008 and older models       Boats: Previously Registered

"As low as" rate includes .50% discount for automatic payment and .25% discount for 80% loan-to-value (LTV).

Golden Auto Loans
1992 - 2005 models listed in the current Kelley Older Car Guide

Classic Auto Loans
2002 or older collectible vehicles

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

Motorcycle Loans

New & Used Off-Road Vehicle Loans

New/Used Motorcycle Loan Maximum $30,000. Off-Road Vehicle Loan Maximum $20,000 "As low as" 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).