Loan Rates
Estacado Federal Credit Union
Effective 7/01/2025
| Vehicle Rates |
| Vehicle Rates |
Tier Level |
A+ |
A |
B |
C |
D |
E |
| |
Equifax Score |
750+ |
700-749 |
660-699 |
600-659 |
550-599 |
549 & Below |
| Rates by Year |
|
APR* |
APR* |
APR* |
APR* |
APR* |
APR* |
|
2024 or Newer |
Up to 3 Years (1-36M) |
4.99% |
5.99% |
7.49% |
10.99% |
14.99% |
16.99% |
|
($10,000 Min.) |
4 - 5 Years (37-64M) |
5.49% |
6.49% |
7.99% |
11.49% |
14.99% |
17.49% |
| ($20,000 Min.) |
6 Years (65-76M) |
5.75% |
6.75% |
8.25% |
11.75% |
15.75% |
N/A |
|
($50,000 Min.) |
7 Years (77-88M) |
5.99% |
6.99% |
8.49% |
11.99% |
N/A |
N/A |
| |
|
2015-2023 |
Up to 3 Years (1-36M) |
5.99% |
6.99% |
8.49% |
11.99% |
15.99% |
18.00% |
|
($10,000 Min.) |
4 - 5 Years (37-64M) |
6.49% |
7.49% |
8.99% |
12.49% |
16.49% |
18.00% |
|
($20,000 Min.) |
6 Years (65-76M) |
6.75% |
7.75% |
9.25% |
12.75% |
16.75% |
N/A |
|
($50,000 Min.) |
7 Years (77-88M) |
6.99% |
7.99% |
9.49% |
12.99% |
N/A |
N/A |
| |
|
2014 or Older |
Up to 5 Years (1-60M) |
8.49% |
9.49% |
10.99% |
14.49% |
18.00% |
N/A |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Loan to Value Max.(MSRP/NADA Retail) |
115% |
115% |
105% |
100% |
90% |
85% |
| Debt Ratio Maximum |
48% |
48% |
48% |
45% |
40% |
40% |
All Recreational Vehicles *
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers |
| *See loan officer for more details |
Tier Level |
A+ |
A |
B |
C |
D |
E |
| |
Equifax Score |
750+ |
700-749 |
660-699 |
600-659 |
550-599 |
549 & Below |
| Rates by Year |
|
APR* |
APR* |
APR* |
APR* |
APR* |
APR* |
|
2020 or Newer |
Up to 3 Years (1-36M) |
6.25% |
7.25% |
8.75% |
12.25% |
16.25% |
18.00% |
|
($10,000 Min.) |
4 - 5 Years (37-64M) |
6.75% |
7.75% |
9.25% |
12.75% |
16.75% |
N/A |
| ($20,000 Min.) |
6 Years (65-76M) |
6.99% |
7.99% |
9.49% |
12.99% |
16.99% |
N/A |
|
($50,000 Min.) |
7 Years (77-88M) |
7.99% |
8.99% |
10.49% |
13.99% |
N/A |
N/A |
|
($80,000 Min.) |
8 Years (89-96M) |
8.49% |
9.49% |
10.99% |
N/A |
N/A |
N/A |
|
|
|
|
|
|
|
|
|
|
2019 & Older |
Up to 3 Years (1-36M) |
6.75% |
7.75% |
9.25% |
12.75% |
16.75% |
18.00% |
|
|
4 - 5 Years (37-64M) |
7.49% |
8.49% |
9.99% |
13.49% |
17.75% |
N/A |
|
($20,000 Min.) |
6 Years (65-72M) |
7.99% |
8.99% |
10.49% |
13.99% |
18.00% |
N/A |
|
($50,000 Min.) |
7 Years (73-88M) |
8.49% |
9.49% |
10.99% |
N/A |
N/A |
N/A |
|
Loan to Value Max. (MSRP/NADA Retail) |
115% |
115% |
105% |
100% |
90% |
85% |
|
Debt Ratio Maximum |
48% |
48% |
48% |
45% |
40% |
40% |
| Unsecured Loan |
| Unsecured Loan |
Tier Level |
A+ |
A |
B |
C |
D |
E |
| |
Equifax Score |
750+ |
700-749 |
660-699 |
600-659 |
550-599 |
549 & Below |
| |
|
APR* |
APR* |
APR* |
APR* |
APR* |
APR* |
|
Unsecured |
Up to 12 Months |
9.99% |
10.99% |
12.49% |
15.99% |
18.00% |
18.00% |
|
Unsecured |
13 to 36 Months |
10.99% |
11.99% |
13.49% |
16.99% |
18.00% |
N/A |
|
Unsecured |
37 to 60 Months |
11.49% |
12.49% |
13.99% |
N/A |
N/A |
N/A |
| Energy Efficiency Loans* |
8.90% |
8.90% |
8.90% |
N/A |
N/A |
N/A |
| VISA Rates |
| Unsecured Loan |
Tier Level |
A+ |
A |
B |
C |
D |
E |
| |
Equifax Score |
750+
|
700-749
|
660-699
|
600-659
|
550-599
|
549 & Below
|
| |
|
APR* |
APR* |
APR* |
APR* |
APR* |
APR* |
| Traditional |
Minimum $500 Limit |
12.25% |
12.25% |
12.25% |
14.9% |
17.9% |
17.9% |
| Platinum |
Minimum $5,000 Limit |
9.9% |
9.9% |
N/A |
N/A |
N/A |
N/A |
| Share Secured Loans |
APR* |
Share Secured - Maximum 100% of share balance for up to 12 Months.
|
Share Rate
+4.5% |
| Certificate Secured - Maximum 100% of certificate balance up to maturity date |
Certificate Rate
+2.5% |
|
Certificate secured loans available for 12 to 60 month certificates (Minimum one year loan term)
Rates and terms are subject to change without notice.
APR = Annual Percentage Rate.
Min. = Minimum
*Energy Efficiency Loans have limitation for qualifying energy saving equipment and appliances. See Loan Department for specific requirements.
Loan rates and terms are based on your Equifax credit score.
You are not guaranteed credit based solely on your credit score.
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