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Loan Rates

Estacado Federal Credit Union
Effective 04/01/17

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*
2015-2017<25K miles Up to 48 Months 2.99% 3.99% 5.49% 7.99% 11.99% 13.99%
49-60 Months 3.49% 4.49% 5.99% 8.49% 11.99% 14.49%
61-72 Months 3.49% 4.49% 5.99% 8.49% 12.49% N/A
($25,000 Min.) 73-84 Months 3.75% 4.75% 6.25% 8.75% N/A N/A
 
2009-2014 Up to 48 Months 3.99% 4.99% 6.49% 8.99% 12.99% 14.99%
49-60 Months 4.49% 5.49% 6.99% 9.49% 13.49% 15.49%
61-72 Months 4.49% 5.49% 6.99% 9.49% 13.49% N/A
 
($25,000 Min.) 73-84 Months 4.75% 5.75% 7.25% 9.75% N/A N/A
2003-2008 Up to 36 Months 4.49% 5.49% 6.99% 9.49% 13.49% 14.99%
 
2003-2008 37-60 Months 4.75% 5.75% 7.25% 9.99% 13.99% 15.99%
2003-2008 61-72 Months 5.25% 6.25% 7.75% 10.49% 14.49% N/A
Loan to Value Max. (MSRP/NADA Retail) 110% 105% 100% 90% 80% 70%
Debt Ratio Maximum 48% 48% 45% 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*
2015-2017<25K miles Up to 48 Months 3.99% 4.99% 6.49% 8.99% 12.99% 14.99%
49-60 Months 4.49% 5.49% 6.99% 9.49% 13.49% 15.49%
61-72 Months 4.49% 5.49% 6.99% 9.49% 13.49% N/A
($25,000 Min.) 73-84 Months 4.75% 5.75% 7.25% 9.75% N/A N/A
($50,000 Min.) 85-96 Months 5.25% 6.25% 7.75% N/A N/A N/A
2009-2014 Up to 48 Months 4.99% 5.99% 7.49% 9.99% 13.99% 15.99%
49-60 Months 5.49% 6.49% 7.99% 10.49% 14.49% 16.49%
61-72 Months 5.49% 6.49% 7.99% 10.49% 14.49% N/A
($25,000 Min.) 73-84 Months 5.75% 6.75% 8.25% 10.75% N/A N/A
($50,000 Min.) 85-96 Months 6.25% 7.25% 8.75% N/A N/A N/A
Loan to Value Max. (MSRP/NADA Retail) 110% 105% 100% 90% 80% N/A
Debt Ratio Maximum 48% 48% 45% 45% 40% N/A



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% 14.49% 16.99% 18.00%
13 to 36 Months 8.99% 9.99% 11.49% 15.49% 17.99% 18.00%
37 to 60 Months 9.49% 10.49% 11.99% N/A N/A N/A
Debt Ratio Maximum 48% 48% 45% 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.





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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