Vehicle / RV / Boat Secured Loan Rates & Terms

Loan TypeNewUsed
Rates effective 12/28/2023
LOAN TYPEAPR*
Vehicle Loans & Refinancing*NEWUSED
Max 130% LTV based on MSRP, KBBV, or NADA Retail (including Tax, License, Delivery, GAP, and MBI).
Min. financed 6 years $15,000; 7 yrs. $30,000. Autos older than 2012, 125% LTV.
*Refinance offer is only for vehicle loans from other lenders, not existing Edwards FCU loans.
36 months5.64%5.89%
37-48 months5.64%5.89%
49-60 months6.39%6.64%
61-72 months6.64%6.89%
73-84 months6.89%7.14%
*Exisiting Edwards FCU Vehicle Loans not eligible for refinance.
RVNEWUSED
LTV based on MSRP, RBBV, or NADA Retail (including Tax, License, Delivery, GAP, and MBI).
Maximum Vehicle Age 10 years.
60 months7.25%7.99%
84 months7.99%8.24%
120 months8.24%8.49%
144 months10.99%11.24%
180 months12.24%12.49%
MOTORCYCLE, UTV, POWERSPORTSNEWUSED
New: Max LTV 130% of purchase price, tax, license.
Used: Max LTV 130% of purchase price, tax, license or wholesale Blue Book, whichever is less.
Maximum Vehicle Age 10 years.
36 months6.05%7.05%
37-48 months7.05%7.40%
49-60 months7.40%8.15%
61-72 months8.15%8.39%
73-84 months8.39%8.64%
BOAT, TRAILERNEWUSED
New: Max LTV 100% of purchase price, tax, license.
Used: Max LTV 100% of purchase price, tax, license or wholesale Blue Book, whichever is less.
60 months7.25%7.99%
84 months7.99%8.24%
120 months8.24%8.49%
144 months10.99%11.24%
180 months12.24%12.49%
DEPOSIT SECURED
100% of available funds.
Shared Savings Secured LoanEarning rate+ 2.00%
*APR = Annual Percentage Rate. Rates shown are preferred member rates; other rates and terms may apply based on credit.

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