Home Banking

Loan Rates : Effective: 03.01.2018

Loan Rate Special !

Apply On-Line! Qualifying is quick and easy. Our great rates and friendly service will help you get the car you have been dreaming of!

*Annual percentage rate. Membership and credit eligibility required. Actual rates vary based on credit history and term. Examples: Monthly payments for an average truck purchase price of $33,831 are approximately $596.24 at 2.49% APR for 60 months and $626.87 at 4.37% APR for 60 months.

Loan Rates for Fall Auto Loan Special: Effective as of 9/1/17

	Model Years 2018 - 2016	Model Years 2015 - 2013	Discounts
A Credit	2.74 APR	3.74 APR	.25% Auto Deduct
B Credit	3.24 APR	4.24 APR	.25% Auto Deduct
	> 36 Months: + .25% > 60 Months: + .50%	> 36 Months: + .25% > 60 Months: + .50%
	> 85k Miles: + .75%	> 85k Miles: + .1.00%

Once you apply, our loan officers can quickly provide you with an exact rate quote.

If you are buying a car thru a dealer, please ask them to fax us a worksheet / buyer's order to:
(972) 242 - 1661.

The dealer can also email us at: vpfcu@valwoodpark.com. Discounts do not apply to promotional Loan Specials.

Our normal loan rates are shown below.

The rates shown below are the lowest available rates offered for the listed loan types with all discounts applied. All rates listed below are Annual Percentage Rate (APR).

	New Auto - Below 90% Of MSRP
New Car/ Term	2 yrs.	3 yrs.	4 yrs.	5 yrs.	6 yrs.
As Low As:	3.00 % APR	3.25% APR	3.5 % APR	3.75 % APR	4.25 % APR

	New Auto - Above 90% Of MSRP
New Car/ Term	2 yrs.	3 yrs.	4 yrs.	5 yrs.	6 yrs.
As Low As:	3.25 % APR	3.50 % APR	3.75 % APR	4.00 % APR	4.50 % APR

	2017 - 2013 (Under Five Years Old)
Used Car / Term	2 yrs.	3 yrs.	4 yrs.	5 yrs.	6 yrs.
As Low As:	4.25 % APR	4.50 % APR	4.75 % APR	5.00 % APR	5.50 % APR

	2012 & Older (Over Five Years Old)
Used Car / Term	2 yrs.	3 yrs.	4 yrs.	5 yrs.	6 yrs.
As Low As:	Please call our Loan Department for a quote.

Motorcycle

Motorcycles / Recreational Vehicles / Boats
/ Motor / Travel Trailers

New & Used / Term

3 yrs.

5 yrs.

7 yrs.

12 yrs.

As Low As:

4.75 % APR

5.25 % APR

6.50 % APR

7.50 % APR

	To 36 Months ( no collateral )
Signature / Term	Up To 3 yrs.
As Low As:	6.75 % APR

The above listed rates are the lowest available rates offered for the listed loan types with all discounts applied. Please call for rates on other types of loans such as Home Equity.

Discounts		Requirement
0.15%		Auto Payment or Payroll Deduction ( without a Checking Account )
0.25%		Direct Payroll Deposit to a Checking Account with Auto Deduction
0.20%		Down Payment of 10% ( or greater )
0.10%		For a Member in good standing with over 10 yrs. with Valwood
0.10%		If Extended Warranty and GAP insurance added to loan
		* Discounts do not apply to promotional Loan Specials * * Maximum loan discount available is 0.25% *

Requirements for the lowest rate also include that a member has a Beacon Score in the "A" range. Other requirements apply according to the loan type requested. Your actual rate is based on several factors such as: credit score, term, and collateral value.

BEACON SCORE RANGES
A	700 and up
B	699 - 640
C	639 - 600
D	599 and below
* Rates and Tier Ranges Subject to change without notice

Disclosure: This information is intended to be used as a guideline in determining your interest rate.

Note: Rates are subject to change without notice. Rates, terms and conditions may vary based on an individual's credit worthiness as well as the underwriting guidelines of the credit union. Your actual rate will be determine by credit union staff.

All rates listed above are Annual Percentage Rate (APR)

Certain conditions apply to the "Skip A Payment" option. Effective March 1st ( 03.01.2018) there will be a $15.00 fee per loan for a payment extension. Contact a loan officer for details.

Quick Links
Loan Rates
Apply On-Line
Membership
Location & Hours
Discount Tickets

Great Service

Extra
payments
calculator

Your Deposits Are Federally Insured to at least $250,000.00:

Find out more at NCUA.GOV

Equal Housing Lender. Valwood Park Federal Credit Union (NMLS#1046013) provides mortgage loans by partnership with CU Members Mortgage, a division of Colonial Savings, F.A. NMLS#401285.

Valwood Park FCU
1001 E. Crosby Rd.
Carrollton, TX 75006

Routing & Transit / ABA Number: 311978232

Valwood will NEVER send you emails requesting personal information such as: Username, Password or PIN Number.

Contact Us: Office: (972) 446 - 0540 | FAX: (972) 245 - 6783 | Toll Free: (800) 468 – 8952 | Lost / Stolen Debit Card: (800) 791-2525

Serving: Carrollton, Farmers Branch & Addison | © Copyright 2005 - 2015 Valwood Park FCU : All rights reserved