Vehicle Loans

Rates effective December 1, 2018

2.18% Auto Loans effective November 21 thru December 31, 2018

*Offer valid on new auto loans (model year 2015 and newer) funded November 21, 2018 – December 31, 2018. ‘As low as’ APR assumes a maximum term of 72 months with a 0.50% discount for auto pay from an EECU checking account. Your actual APR may differ based on your credit history, loan term and other factors. Payment example: Monthly payment is $17.61 per $1,000 borrowed for a 5-year loan at 2.18% APR. Rates not available to refinance any existing EECU loan. Subject to credit approval. Rates subject to change without notice. Other conditions and restrictions apply.

 

New Auto Loans
Autos 2015 and newer models

TermAPR As Low AsEstimated Monthly Payment based on 'As low As' Rate
36 months2.18%$28.72 per $1,000
48 months2.18%$21.77 per $1,000
60 months, $5,000 minimum2.18%$17.61 per $1,000
72 months, $15,000 minimum2.18%$14.83 per $1,000
84 months, $25,000 minimum3.18%$13.29 per $1,000

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 2015 and newer

TermAPREstimated Monthly Payment based on 60 month term
36 - 72 months
GPA 3.50 or higher2.18%$17.61 per $1,000
GPA 3.00 - 3.493.68%$18.27 per $1,000
GPA 2.50 - 2.996.18%$19.42 per $1,000
GPA 2.49 or less12.18%$22.34 per $1,000

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

Used Auto Loans
Autos 2012 - 2014 models

TermAPR As Low AsEstimated Monthly Payment based on 'As low As' Rate
36 months3.00%$29.08 per $1,000
48 months3.00%$22.13 per $1,000
60 months, $5,000 minimum3.00%$17.97 per $1,000
72 months, $15,000 minimum3.00%$15.19 per $1,000
84 months, $25,000 minimum4.00%$13.67 per $1,000

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 2012 - 2014

TermAPREstimated Monthly Payment based on 60 month term
36 - 60 months
GPA 3.50 or higher3.00%$17.97 per $1,000
GPA 3.00 - 3.494.50%$18.64 per $1,000
GPA 2.50 - 2.997.00%$19.80 per $1,000
GPA 2.49 or less13.00%$22.75 per $1,000

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: 2015 and newer models       Boats: Not Previously Registered

TermAPR As Low AsEstimated Monthly Payment based on As low As Rate
NEW BOAT
36 months3.50%$29.30 per $1,000
48 months3.50%$22.36 per $1,000
60 months, $5,000 minimum3.50%$18.19 per $1,000
72 months, $15,000 minimum3.50%$15.42 per $1,000
84 months, $25,000 minimum5.50%$14.37 per $1,000
120 months, $30,000 minimum5.50%$10.85 per $1,000
144 months, $35,000 minimum6.50%$10.02 per $1,000
NEW RV
36 months3.79%$29.43 per $1,000
48 months3.79%$22.49 per $1,000
60 months, $5,000 minimum3.79%$18.32 per $1,000
72 months, $15,000 minimum3.79%$15.55 per $1,000
84 months, $25,000 minimum5.79%$14.51 per $1,000
120 months, $30,000 minimum5.79%$11.00 per $1,000
144 months, $35,000 minimum6.79%$10.17 per $1,000
180 months, $50,000 minimum7.79%$9.44 per $1,000

"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: 2014 and older models       Boats: Previously Registered

TermAPR As Low AsEstimated Monthly Payment based on As low As Rate
USED BOAT
36 months4.79%$29.88 per $1,000
48 months4.79%$22.93 per $1,000
60 months, $5,000 minimum4.79%$18.78 per $1,000
72 months, $15,000 minimum4.79%$16.01 per $1,000
84 months, $25,000 minimum6.79%$14.99 per $1,000
120 months, $30,000 minimum6.79%$11.50 per $1,000
144 months, $35,000 minimum7.79%$10.71 per $1,000
USED RV
36 months4.79%$29.88 per $1,000
48 months4.79%$22.93 per $1,000
60 months, $5,000 minimum4.79%$18.78 per $1,000
72 months, $15,000 minimum4.79%$16.01 per $1,000
84 months, $25,000 minimum6.79%$14.99 per $1,000
120 months, $30,000 minimum6.79%$11.50 per $1,000
144 months, $35,000 minimum7.79%$10.71 per $1,000
180 months, $50,000 minimum8.79%$10.02 per $1,000

"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
1998 - 2011 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
2008 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. Must be titled in California.
"As low as" rate includes .50% discount for automatic payment from checking account.

Motorcycle Loans

TermAPR As Low AsEstimated Monthly Payment based on 'As low As' Rate
NEW MOTORCYCLE
36 months2.84%$29.01 per $1,000
48 months, $2,500 minimum2.84%$22.06 per $1,000
60 months, $5,000 minimum2.84%$17.90 per $1,000
72 months, $15,000 minimum2.84%$15.12 per $1,000
USED MOTORCYCLE
36 months4.24%$29.63 per $1,000
48 months, $2,500 minimum4.24%$22.69 per $1,000
60 months, $5,000 minimum4.24%$18.53 per $1,000
72 months, $15,000 minimum4.24%$15.75 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 minimum9.75%$32.15 per $1,000
48 months, $2,500 minimum10.00%$25.36 per $1,000
60 months, $5,000 minimum10.25%$21.37 per $1,000

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).