Loan Rates
LOAN RATE SHEET
Auto loans financed up to 120% Loan-to-Value, include tax, license, MBI and GAP waiver for new vehicles and 110% Loan-to-Value, include tax, license, MBI and GAP waiver for used vehicles.
New and Used Vehicles
| Term | New Auto Rate | Used Auto Rate |
|---|---|---|
| 24 Months | 2.49%** | 3.49%** |
| 36 Months | 2.49%** | 3.49%** |
| 48 Months | 3.49%** | 4.49%** |
| 60 Months | 3.49%** | 4.49%** |
| 72 Months | 3.49%** | 4.49%** |
| 84 Months | 3.99%** | 4.99%** |
New and Used Recreational Vehicles
| Term | New Rate | Used Rate |
|---|---|---|
| 24 Months | 5.92%** | 5.92%** |
| 36 Months | 5.92%** | 5.92%** |
| 48 Months | 5.92%** | 5.92%** |
| 60 months | 5.92%** | 5.92%** |
| 72 months | 6.13%** | 6.13%** |
| 84 months | 6.61%** | 6.61%** |
| 120 months | 6.91%** | 6.91%** |
| 180 months | 7.41%** | 7.41%** |
Personal Loans (Up to $25,000 No Collateral Required)
| Term | Rate |
|---|---|
| up to 60 months | As low as 12.49%** |
Visa (6-month intro rate of 3.99%)
| Limit | Rate |
|---|---|
| Up to $10,000 ** | As low as 10.99%** |
Line of Credit
| Term | Rate |
|---|---|
| Revolving | As low as 8.99%** |
First Trust Deed and Home Equity Loans
| Please call the credit union |
*APR= Annual Percentage Rates. **Standard rate based on Platinum FICO score 740+. El Monte Community Credit Union has a managed-risk credit program and rates vary based on your individual FICO score. All rates reflect .50% discount with Direct Deposit payment (excluding Visa) Rates are subject to change without notice.
