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Loan Rates

Estacado Federal Credit Union
Effective 09/01/20

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*
2019-2021 Up to 3 Years (1-36M) 2.75% 3.75% 5.25% 8.75% 12.75% 14.75%
($10,000 Min.) 5 Years (49-64M) 3.25% 4.25% 5.75% 9.25% 12.75% 15.25%
($20,000 Min.) 6 Years (65-76M) 3.49% 4.49% 5.99% 9.49% 13.49% N/A
($40,000 Min.) 7 Years (77-88M) 3.49% 4.49% 5.99% N/A N/A N/A
 
2013-2018 Up to 4 Years (1-48M) 3.99% 4.99% 6.49% 9.99% 13.99% 15.99%
($10,000 Min.) 5 Years (49-64M) 4.25% 5.25% 6.75% 10.25% 14.25% 16.25%
($20,000 Min.) 6 Years (65-76M) 4.49% 5.49% 6.99% 10.49% 14.49% N/A
($40,000 Min.) 7 Years (77-88M) 4.49% 5.49% 6.99% N/A N/A N/A
 
2006-2012 Up to 3 Years (1-36M) 4.49% 5.49% 6.99% 10.49% 14.49% 16.49%
($10,000 Min.) 4-5 Years (37-64M) 4.99% 5.99% 7.49% 10.99% 14.99% 16.99%
($25,000 Min.) 6 Years (65-72M) 5.75% 6.75% 8.25% N/A N/A N/A
Loan to Value Max.(MSRP/NADA Retail) 120% 120% 120% 105% 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*
2013-2021 Up to 4 Years (1-48M) 4.25% 5.25% 6.75% 10.25% 14.25% 16.49%
($10,000 Min.) 5 Years (49-64M) 4.49% 5.49% 6.99% 10.49% 14.49% N/A
($20,000 Min.) 6 Years (65-76M) 4.75% 5.75% 7.25% 10.75% N/A N/A
($40,000 Min.) 7 Years (77-88M) 4.99% 5.99% 7.49% N/A N/A N/A
($50,000 Min.) 8 Years (89-96M) 5.49% 6.49% 7.99% N/A N/A N/A
2012 & Older and Up to 3 Years (1-36M) 4.75% 5.75% 7.25% 10.75% 14.75% 16.99%
4-5 Years (37-64M) 5.25% 6.25% 7.75% 11.25% 15.25% N/A
($20,000 Min.) 6 Years (65-72M) 5.75% 6.75% 8.25% 11.75% 15.75% N/A
($40,000 Min.) 7 Years (73-88M) 5.99% 6.99% 8.49% N/A N/A N/A
Loan to Value Max. (MSRP/NADA Retail) 120% 120% 120% 105% 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 7.99% 8.99% 10.49% 15.49% 18.00% 18.00%
13 to 36 Months 8.99% 9.99% 11.49% 16.49% N/A N/A
37 to 60 Months 9.49% 10.49% 11.99% 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 +3.5%
Certificate Secured - Maximum 100% of certificate balance up to maturity date Certificate Rate +3%

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