Loan Rates :

See the savings?

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 $557 at 1.99% APR for 60 months and $592 at 4.37% APR for 60 months.

 

Loan Rates for Fall Auto Loan Special:

 

 

Model Years

2017 - 2015

Model Years

2014 - 2012


Discounts

A Credit

  1.99 APR

2.99 APR

.25% Auto Deduct

B Credit

2.99 APR

3.99 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.

 

 

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 Car

 

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 Car

 

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

 

Used Car

 

2016 - 2012 (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

 

Used Car

 

2011 & 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

 

Signature Loan

 

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. Contact a loan officer for details.

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