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Loan Rates

Estacado Federal Credit Union
Effective 3/01/18

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*
2016-2018 Up to 48 Months 3.25% 4.25% 5.75% 9.25% 13.25% 15.25%
49-60 Months 3.75% 4.75% 6.25% 9.75% 13.25% 15.75%
61-72 Months 3.75% 4.75% 6.25% 9.75% 13.75% N/A
($25,000 Min.) 73-84 Months 3.99% 4.99% 6.49% N/A N/A N/A
 
2010-2015 Up to 48 Months 4.25% 5.25% 6.75% 10.25% 14.25% 16.25%
49-60 Months 4.75% 5.75% 7.25% 10.75% 14.75% 16.75%
61-72 Months 4.75% 5.75% 7.25% 10.75% 14.75% N/A
($25,000 Min.) 73-84 Months 4.99% 5.99% 7.49% N/A N/A N/A
 
2003-2009 Up to 36 Months 4.97% 5.99% 7.49% 10.99% 14.75% 16.75%
37-60 Months 5.25% 6.25% 7.75% 11.25% 14.99% 16.99%
61-72 Months 5.75% 6.75% 8.25% 11.75% 15.49% N/A
Loan to Value Max. (MSRP/NADA Retail) 100% 100% 100% 90% 80% 70%
Debt Ratio Maximum 48% 48% 45% 45% 40% 38%


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*
2010-2018 Up to 48 Months 4.25% 5.25% 6.75% 10.25% 14.25% 16.25%
49-60 Months 4.75% 5.75% 7.25% 10.75% 14.75% 16.75%
61-72 Months 4.75% 5.75% 7.25% 10.75% 14.75% N/A
($25,000 Min.) 73-84 Months 4.99% 5.99% 7.49% N/A N/A N/A
($50,000 Min.) 85-96 Months 5.49% 6.49% 7.99% N/A N/A N/A
2009 & Older and Up to 36 Months 4.97% 5.99% 7.49% 10.99% 14.99% 16.99%
all Motorcycles& ATV 37-60 Months 5.25% 6.25% 7.75% 11.25% 15.25% 17.25%
61-72 Months 5.75% 6.75% 8.25% 11.75% 15.75% N/A
Loan to Value Max. (MSRP/NADA Retail) 100% 100% 100% 90% 80% 70%
Debt Ratio Maximum 48% 48% 45% 45% 40% 38%



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% 17.99% 18.00%
13 to 36 Months 8.99% 9.99% 11.49% 16.49% 18.00% N/A
37 to 60 Months 9.49% 10.49% 11.99% N/A N/A N/A
Debt Ratio Maximum 48% 48% 45% 45% 40% 38%

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.




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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