RATING CREDIT SCORE RANGE
A 700+
B 650-699
C 600-649
D 550-599
E 549 OR LESS

**VALUE IS CALCULATED BY USING THE NADA RETAIL VALUE DIVIDED BY THE BOTTOM LINE FINANCING

GRADETERMS / REPAYMENT PERIOD
24 MONTHS36 MONTHS48 MONTHS60 MONTHS72 MONTHS84 MONTHS
A4.80%4.90%5.25%5.60%6.00%7.00%
B5.60%5.95%6.50%6.95%7.50%8.25%
C8.10%8.55%8.75%9.15%9.65%10.00%
D11.95%14.85%15.05%15.50%16.00%N/A
E13.95%15.05%16.05%N/AN/AN/A

**120% LTV finance on new with TTL (unless exception is made)

GRADETERMS / REPAYMENT PERIOD
24 MONTHS36 MONTHS48 MONTHS60 MONTHS72 MONTHS84 MONTHS
A5.05%5.15%5.50%5.85%6.50%8.00%
B6.00%6.25%6.75%7.15%7.75%8.75%
C8.35%8.80%9.00%9.40%9.90%11.50%
D12.20%15.10%15.30%15.75%16.25%N/A
E14.20%15.30%16.30%N/AN/AN/A

**8 yrs and older (2018 or older) Adjust rate by 1.00%
**120% LTV finance on used with TTL

**May add up to 4 months for Gap and Warranty. Except on 84+ Month Terms

GRADETERMS / REPAYMENT PERIOD
24 MONTHS36 MONTHS48 MONTHS60 MONTHS (20K)72 MONTHS (30K)84 MONTHS (40K)
A7.05%7.15%7.50%7.85%9.00%12.5%
B9.35%10.25%10.45%10.60%11.15%13.5%
C10.35%10.80%11.00%N/AN/AN/A
DN/AN/AN/AN/AN/AN/A
EN/AN/AN/AN/AN/AN/A

**Must have Third Party Appraisal and Pictures to be taken by CU
**80% of Appraised Value max financing

GRADETERMS / REPAYMENT PERIOD
36 MONTHS48 MONTHS60 MONTHS72 MONTHS84 MONTHS96 MONTHS120 MONTHS
A7.50%8.25%9.00%9.75%10.55%11.25%13.25%
B8.25%8.95%9.45%10.25%11.00%11.75%14.50%
C9.80%10.00%10.40%11.25%13.50%14.25%16.25%
D15.10%15.30%15.75%16.25%N/AN/AN/A
GRADETERMS / REPAYMENT PERIOD
12 MONTHS24 MONTHS36 MONTHS48 MONTHS60 MONTHSLIMITS
A11.75%12.00%12.25%12.75%13.25%5X Gross Monthly Income
B12.95%13.45%13.95%14.45%14.95%4X Gross Monthly Income
C14.95%15.45%15.95%16.95%N/A3X Gross Monthly Income
D15.95%16.95%17.45%N/AN/A1.5X Gross Monthly Income
E16.95%17.45%N/AN/AN/A0.5X Gross Monthly Income
OtherPAL UP TO $2,000

**Total Aggregate per member is $20,000

GRADETERMS / REPAYMENT PERIOD
12 MONTHS24 MONTHS36 MONTHS48 MONTHS60 MONTHS72 MONTHS84 MONTHS
A10.25%10.75%11.25%11.75%12.00%12.25%12.50%
B11.75%12.25%12.65%13.45%13.95%14.50%15.00%
C15.25%15.75%15.95%16.50%17.45%17.75%N/A
D15.75%16.00%16.75%17.25%17.75%N/AN/A
E16.00%16.45%17.00%17.25%N/AN/AN/A
ACCOUNTS MINIMUM BALANCE DIVIDEND RATES APY**
Regular Shares $200.00 0.10% 0.10%
Share Drafts $500.00 0.10% 0.10%
High Yield Savings Accounts $25,000.00 1.00% 1.005%
$50,000.00 2.00% 2.018%
$100,000.00 2.75% 2.785%
$150,000.00 3.00% 3.043%
$200,000.00 3.50% 3.557%
CD – 6 Months $1,000.00 3.50% 3.556%
CD – 12 Months $1,000.00 3.75% 3.815%
CD – 2 Years $1,000.00 3.00% 3.041%
CD – 5 Years $1,000.00 2.75% 2.785%
**At the end of the term, CD will automatically renew to the current rate.
Rates as pf 9/30/2025 and are subject to change at anytime.
Minimum balances are subject to change at anytime.