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Loan Rates

Estacado Federal Credit Union
Effective 11/01/2023

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*
2022-2024 Up to 3 Years (1-36M) 5.75% 6.75% 8.25% 11.75% 15.75% 17.75%
($10,000 Min.) 4 - 5 Years (37-64M) 6.25% 7.25% 8.75% 12.25% 15.75% 18.00%
($20,000 Min.) 6 Years (65-76M) 6.49% 7.49% 8.99% 12.49% 16.49% N/A
($50,000 Min.) 7 Years (77-88M) 6.75% 7.75% 9.25% N/A N/A N/A
 
2019-2021 Up to 3 Years (1-36M) 6.75% 7.75% 9.25% 12.75% 16.75% 18.00%
($10,000 Min.) 4 - 5 Years (37-64M) 7.25% 8.25% 9.75% 13.25% 17.25% 18.00%
($20,000 Min.) 6 Years (65-76M) 7.49% 8.49% 9.99% 13.49% 17.49% N/A
($50,000 Min.) 7 Years (77-88M) 7.75% 8.75% 10.25% N/A N/A N/A
 
2013-2018 Up to 3 Years (1-36M) 7.49% 8.25% 9.75% 13.25% 17.25% 18.00%
($10,000 Min.) 4 - 5 Years (37-64M) 7.99% 8.99% 10.49% 13.99% 17.99% 18.00%
($25,000 Min.) 6 Years (65-72M) 8.75% 9.75% 11.25% 14.75% 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%


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*
2019-2024 Up to 3 Years (1-36M) 6.99% 7.99% 9.49% 12.99% 16.99% 16.99%
($10,000 Min.) 4 - 5 Years (37-64M) 7.49% 8.49% 9.99% 13.49% 17.49% N/A
($20,000 Min.) 6 Years (65-76M) 7.75% 8.75% 10.25% 13.75% 17.75% N/A
($50,000 Min.) 7 Years (77-88M) 8.75% 9.75% 11.25% N/A N/A N/A
($80,000 Min.) 8 Years (89-96M) 9.25% 10.25% 11.75% N/A N/A N/A
2018 & Older and Up to 3 Years (1-36M) 7.49% 8.49% 9.99% 13.49% 17.49% 17.49%
4 - 5 Years (37-64M) 8.25% 9.25% 10.75% 14.25% 18.00% N/A
($20,000 Min.) 6 Years (65-72M) 8.75% 9.75% 11.25% 14.75% 18.00% N/A
($50,000 Min.) 7 Years (73-88M) 9.25% 10.25% 11.75% 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*
Up to 12 Months 10.75% 11.75% 13.25% 18.00% 18.00% 18.00%
13 to 36 Months 11.75% 12.75% 14.25% 18.00% 18.00% N/A
37 to 60 Months 12.25% 13.25% 14.75% N/A N/A N/A
Debt Ratio Maximum 48% 48% 48% 45% 40% 40%

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

Loan rates and terms are based on your Equifax credit score.
You are not guaranteed credit based solely on your credit score.



Phone: (575) 393-1596 | Fax: (575) 393-1598 | Location: 2220 N. Dal Paso, Hobbs, NM 88240 | Hours: Monday - Friday 9:00 to 5:00pm
 

Multiple branches proudly serving members in
Hobbs, Lovington, Eunice, Jal, Tatum, Seminole, Seagraves, Denver City, Plains, Morton, and Whiteface

 
This credit union is federally insured by the National Credit Union Administration.
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