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Loans

New Vehicles(¥) Eligible for Member Rewards*

Loan TypeMaximum AmountMaximum TermAnnual Percentage Rate

Current or prior

calendar year with

less than 7,500 miles




Up to 115% or up to 125%

(for well-qualified borrowers) of dealer MSRP

(or invoice if MSRP is not available)

not to exceed documented purchase price.

Includes sales tax, license fee and GAP.

 




0-48 months (2)1.24% to 13.74%
49-60 months (4)1.74% to 14.49%
61-72 months (5)1.99% to 14.99%
73-84 months (6)2.24% to 15.49%
Loan Payment Example: $21.37 per month per $1,000 borrowed at 1.24% APR for 48 months
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Used Vehicles(¥) Eligible for Member Rewards*
Loan TypeMaximum AmountMaximum TermAnnual Percentage Rate

7 model years

or newer only




Up to 115% or up to 125%

(for well-qualified borrowers) of KBB "retail" value

(no like book values accepted).

Not to exceed documented purchase price.

Includes sales tax, license fee and GAP.

 




0-48 months (2)1.24% to 13.74%
49-60 months (4)1.74% to 14.49%
61-72 months (5)1.99% to 14.99%
 73-84 months (6) 2.24% to 15.49%
Loan Payment Example: $21.37 per month per $1,000 borrowed at 1.24% APR for 48 months
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Older Vehicles(¥) Eligible for Member Rewards*
Loan TypeMaximum AmountMaximum TermAnnual Percentage Rate

8-10 model years only

with less than 2000,000 miles 

(150,000 miles or more

for 48 months) 




Up to 110% of KBB "retail" value

(no like book values accepted).

Not to exceed documented purchase price.

Includes sales tax, license fee and GAP.

 




0-48 months (2)3.49% to 15.99%
0-60 months (4)3.99% to 16.74%
61-72 months (5)4.24% to 17.24%
73-84 months (6)4.49% to 17.74%
Loan Payment Example: $22.35 per month per $1,000 borrowed at 3.49% APR for 48 months
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New Motorcycles(¥) Eligible for Member Rewards*
Loan TypeMaximum AmountMaximum TermAnnual Percentage Rate

Current or prior calendar year

with less than 7,500 miles




Up to 100% of

Clean Retail Value

or MSRP




0-36 months (2)3.49% to 17.99%
37-60 months (4)3.99% to 17.99%
61-72 months (5)4.49% to 17.99%
73-84 months (6)4.99% to 17.99% 
Loan Payment Example: $29.30 per month per $1,000 borrowed at 3.49% APR for 36 months
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Used Motorcycles(¥) Eligible for Member Rewards*
Loan TypeMaximum AmountMaximum TermAnnual Percentage Rate

10 model years

or newer only




Up to 100% of

Clean Retail Value

or MSRP




0-36 months (2)3.49% to 17.99%
37-60 months (4)3.99% to 17.99%
61-72 months (5)4.49% to 17.99%
73-84 months (6)4.99% to 17.99% 
Loan Payment Example: $29.30 per month per $1,000 borrowed at 3.49% APR for 36 months
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New Boats(¥) Eligible for Member Rewards*
Maximum AmountMaximum TermAnnual Percentage Rate

Up to 100% of Dealer

MSRP (NADA clean

retail value if MSRP is

not available), not to

exceed documented

purchase price.



 

0-48 months (2)4.24% to 17.99%
37-60 months (4)4.74% to 17.99%
61-72 months (5)5.24% to 17.99%
73-84 months (6)5.74% to 17.99% 
85-120 months (7)5.99% to 17.99%
121-180 months (8)6.24% to 17.99%
Loan Payment Example: $22.69 per month per $1,000 borrowed at 4.24% APR for 48 months
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Used Boats(¥) Eligible for Member Rewards*
Loan TypeMaximum AmountMaximum TermAnnual Percentage Rate

10 model years

or newer

Up to 100% of Dealer

MSRP (NADA clean retail

value if MSRP is not

available), not to exceed

documented purchchase

price.



 

0-48 months (2)4.24% to 17.99%
37-60 months (4)4.74% to 17.99%
61-72 months (5)5.24% to 17.99%
73-84 months (6)5.74% to 17.99% 
85-120 months (7)5.99% to 17.99%
121-180 months (8)6.24% to 17.99%
Loan Payment Example: $22.69 per month per $1,000 borrowed at 4.24% APR for 48 months
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New Recreational Vehicles(¥) Eligible for Member Rewards*
Maximum AmountMaximum TermAnnual Percentage Rate

Up to 100% of Dealer

MSRP (NADA clean retail

value if MSRP is not

available), not to exceed

documented purchase

price.



 

0-48 months (2)4.24% to 17.99%
37-60 months (4)4.74% to 17.99%
61-72 months (5)5.24% to 17.99% 
73-84 months (6)5.74% to 17.99%
85-120 months (7)5.99% to 17.99%
121-180 months (8)6.24% to 17.99%
Loan Payment Example: $22.69 per month per $1,000 borrowed at 4.24% APR for 48 months
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Used Recreational Vehicles¥ Eligible for Member Rewards*
Loan TypeMaximum AmountMaximum TermAnnual Percentage Rate

10 model years

or newer

Up to 100% of Dealer

MSRP (NADA clean retail

value if MSRP is not

available), not to

exceed documented

purchase price.



 

0-48 months (2)4.24% to 17.99%
37-60 months (4)4.74% to 17.99%
61-72 months (5)5.24% to 17.99% 
73-84 months (6)5.74% to 17.99%
85-120 months (7)5.99% to 17.99%
121-180 months (8)6.24% to 17.99%
Loan Payment Example: $22.69 per month per $1,000 borrowed at 4.24% APR for 48 months
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Other Collateral (New)¥ Eligible for Member Rewards*
Loan TypeMaximum AmountMaximum TermAnnual Percentage Rate

Personal watercraft,

Dirt Bikes, and

Off-Road Vehicles

such as ATV's.

Up to 90% of Dealer

MSRP (NADA clean retail

value if MSRP is not

available), not to exceed

documented purchase

price.

Maximum Loan: $25,000

 

0-36 months (2)5.33% to 16.74%
37-60 months (4)6.08% to 17.49%
61-72 months (5)6.33% to 17.74% 
73-84 months (6)6.58% to 17.99%
Loan Payment Example: $30.12 per month per $1,000 borrowed at 5.33% APR for 36 months
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Other Collateral (Used)¥  Eligible for Member Rewards*
Loan TypeMaximum AmountMaximum TermAnnual Percentage Rate

Personal watercraft,

Dirt Bikes, and

Off-Road Vehicles

such as ATV's.

Up to 90% of Dealer

MSRP (NADA clean retail

value if MSRP is not

available), not to exceed

documented purchase

price.

Maximum Loan: $25,000

0-36 months (2)6.33% to 16.74%
37-60 months (4)7.08% to 17.49%
61-72 months (5)7.33% to 17.74% 
73-84 months (6)7.58% to 17.99%
Loan Payment Example: $30.57 per month per $1,000 borrowed at 6.33% APR for 36 months
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(¥) Lowest rate reflects a 0.500% discount for 20% down payment.

(1) Minimum loan amount $1,000

(2) Minimum loan amount $2,500

(3) Minimum loan amount $5,000

(4) Minimum loan amount $7,500

(5) Minimum loan amount $10,000

(6) Minimum loan amount $15,000

(7) Minimum loan amount $25,000

(8) Minimum loan amount $50,000

*Must meet the following requirements to qualify for 0.25% APR discount: must be signed up for eStatements, make at least 10 checking account ATM/debit transactions per month, and have direct deposit or automatic bill pay. Refinanced OE Federal loans are not eligible for discount.

All rates and terms are dependent on credit worthiness.

Personal Loans
Loan TypeMaximum AmountMaximum TermAnnual Percentage Rate
Signature$10,00060 months8.99% to 17.99%**
Savings Secured$50,00060 months3.00%
Certificate$50,00060 months3.00% + Dividend rate
Double Dollars$10,00060 months10.50%
Quick Loans$3,00012 months9.00%**

Loan Payment Example:
Signature: $20.75 per month per $1,000 borrowed at 8.99% APR for 60 months
Savings Secured: $17.97 per month per $1,000 borrowed at 3.00% APR for 60 months
Double Dollar: $21.49 per month per $1,000 borrowed at 10.50% APR for 60 months
Quick Loan: $87.85 per month per $1,000 borrowed at 9.00% APR for 12 months 

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**Lowest rate reflects a 0.25% discount for Member Rewards. Must meet the following requirements to qualify for Member Rewards: must be signed up for eStatements, make at least 10 checking account ATM/debit transactions per month, and have direct deposit or automatic bill pay.

 


Information accurate as of August 03, 2015

All loan rates are subject to change without notice. For the most up-to-date rates, please call Member Services at 800.877.4444.


Loan Payment Examples:

New/Used Vehicles:

$21.37 per month per $1,000 borrowed at 1.24% APR for 48 months

Older Vehicles:

$22.35 per month per $1,000 borrowed at 3.49% APR for 48 months

New/Used Motorcyles:

$29.30 per month per $1,000 borrowed at 3.49% APR for 36 months

New/Used Boat & Rec. Vehicles:

$22.69 per month per $1,000 borrowed at 4.24% APR for 48 months

New Other Collateral:

$30.12 per month per $1,000 borrowed at 5.33% APR for 36 months

Used Other Collateral:

$30.57 per month per $1,000 borrowed at 6.33% APR for 36 months

Personal Loans:

Signature

$20.75 per month per $1,000 borrowed at 8.99% APR for 60 months

Quick Loan

$87.85 per month per $1,000 borrowed at 9.00% APR for 12 months

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