Loan Rates as of 06/20/2016 (Loans written by appointment)

St. Thomas Employee Federal Credit Union

New auto, truck or motorcycle loan rates - up to to 115% of NADA retail value possible.        

   
 2015 and newer        
Equifax Credit Score 36 Months 48 Months 60 Months 72 Months
750 Plus 1.90% 1.90% 1.90% 2.19%
700-749 2.25% 2.50% 2.75% 2.99%
650-699 3.25% 3.50% 3.75% 4.00%
600-649* 4.25% 4.50% 4.65% 4.85%
*Requires board approval        
         

Newer/used auto, truck or motorcycle loan rates - Up to 115% of NADA retail value possible.

 
 2009-2014 YEARS        
Equifax Credit Score 36 Months 48 Months 60 Months 72 Months
750  Plus 1.90% 1.90% 1.90% 2.19%
700-749 2.50% 2.75% 3.00% 3.25%
650-699 3.50% 3.75% 4.00% 4.25%
600-649* 4.50% 4.75% 5.00% 5.25%
*Requires board approval        
         

 2008 or older auto, truck or motorcycle rates - up to 90% of NADA retail value possible.

 
Equifax Credit Score 36 Months 48 Months 60 Months 72 Months
750 Plus 4.90% 4.90% 4.90% NA
700-749 5.50% 5.75% 6.00% NA
650-699 6.50% 6.75% 7.00% NA
600-650* 8.50% 8.75% 9.00% NA
*Requires board approval        
         
*The St. Thomas EFCU used the Equifax credit reports to determine rates.  
         
**All rates are subject to change without notice, no refinancing of existing loans at new rates.
         
*** Current loans in aggregate to any one member may not exceed $45,000.  
         
**** The St. Thomas EFCU does not finance SALVAGED VEHICLES    

 

"Let's Deal" Special

For acceptable credit scores of 700 or above, the loan officer may meet the
rate offered by the dealer or can reduce the rate offered by the dealer by no
more than .25%.  Rate cannot fall below 1.90%.  Dealer rate must be verified in
writing by the dealer.

Current Specials - Funds may not be used to pay off any existing CU loan

 

$8,000 signature for 6 years special

  • 800 BEACON or above, 6% no collateral required
  • 700 - 799 BEACON, 8% no collateral required
  • (special signature can be had in addition to regular signature loan)
  • (This special offer ends September 30, 2016) 

 

ATV Vehicles Rates now available

           Rates for new ATV and other recreational vechicles that can be licensed, titled and insured start at 5.75%.
           Call us for more details