| Loan Type | New | Used | ||
|---|---|---|---|---|
| Rates effective 02/22/2024 | ||||
| LOAN TYPE | APR* | |||
| Vehicle Loans & Refinancing* | NEW | USED | ||
| 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 months | 5.64% | 5.89% | ||
| 37-48 months | 5.64% | 5.89% | ||
| 49-60 months | 6.39% | 6.64% | ||
| 61-72 months | 6.64% | 6.89% | ||
| 73-84 months | 6.89% | 7.14% | ||
| *Exisiting Edwards FCU Vehicle Loans not eligible for refinance. | ||||
| RV | NEW | USED | ||
| LTV based on MSRP, RBBV, or NADA Retail (including Tax, License, Delivery, GAP, and MBI). Maximum Vehicle Age 10 years. | ||||
| 60 months | 7.25% | 7.99% | ||
| 84 months | 7.99% | 8.24% | ||
| 120 months | 8.24% | 8.49% | ||
| 144 months | 10.99% | 11.24% | ||
| 180 months | 12.24% | 12.49% | ||
| MOTORCYCLE, UTV, POWERSPORTS | NEW | USED | ||
| 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 months | 6.05% | 7.05% | ||
| 37-48 months | 7.05% | 7.40% | ||
| 49-60 months | 7.40% | 8.15% | ||
| 61-72 months | 8.15% | 8.39% | ||
| 73-84 months | 8.39% | 8.64% | ||
| BOAT, TRAILER | NEW | USED | ||
| 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 months | 7.25% | 7.99% | ||
| 84 months | 7.99% | 8.24% | ||
| 120 months | 8.24% | 8.49% | ||
| 144 months | 10.99% | 11.24% | ||
| 180 months | 12.24% | 12.49% | ||
| DEPOSIT SECURED | ||||
| 100% of available funds. | ||||
| Shared Savings Secured Loan | Earning rate+ 2.00% | |||
| *APR = Annual Percentage Rate. Rates shown are preferred member rates; other rates and terms may apply based on credit. | ||||