Loan Rates
Estacado Federal Credit Union
Effective 2/01/2025
| 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* |
|
2023 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 |
| |
|
2014-2022 |
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 |
| |
|
2013 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* |
|
2019 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 |
|
|
|
|
|
|
|
|
|
|
2018 & 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* |
|
|
Up to 12 Months |
9.99% |
10.99% |
12.49% |
15.99% |
18.00% |
18.00% |
|
|
13 to 36 Months |
10.99% |
11.99% |
13.49% |
16.99% |
18.00% |
N/A |
|
|
37 to 60 Months |
11.49% |
12.49% |
13.99% |
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
+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.
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