Loan Rates as of 01/01/2019 (Loans written by appointment)

 

St. Thomas Employee Federal Credit Union

New  auto, truck or motorcycle loan rates*

   

 2018 and newer

       
Equifax Credit Score 36 Months 48 Months 60 Months 72 Months
750 Plus 2.50% 2.50% 2.50% 2.79%
700-749 2.85% 3.10% 3.35% 3.59%
650-699 3.85% 4.10% 4.35% 4.60%
600-649** 4.85% 5.10% 5.25% 5.45%
  * Up to 115% of NADA retail value possible .      **Requires board approval  
         

Newer/used auto, truck or motorcycle loan rates *

 

 2012-2017 YEARS

       
Equifax Credit Score 36 Months 48 Months 60 Months 72 Months
750  Plus 2.50% 2.50% 2.50% 2.79%
700-749 3.10% 3.35% 3.60% 3.85%
650-699 4.10% 4.35% 4.60% 4.85%
600-649** 5.10% 5.35% 5.60% 5.85%
  *  Up to 115% of NADA retail value possible .  **Requires board approval         
         

 2011 or older auto, truck or motorcycle rates **

 
Equifax Credit Score 36 Months 48 Months 60 Months 72 Months
750 Plus 5.50% 5.50% 5.50% NA
700-749 6.10% 6.35% 6.60% NA
650-699 7.10% 7.35% 7.60% NA
600-650** 9.10% 9.35% 9.60% NA
*Up to 90% of NADA retail value possible.  **Requires board approval  
 

Recreational Vehicles

     
2012 and newer 5.95% less discount up to 60 months     100% NADA
2011 and older 8.95% less discount up to 48 months      90% NADA
       
High Beacon signature loans up to $8,000 for 6 years based on credit score.
Equifax Credit Score 36 Months 48 Months 60 Months 72 Months
 800 plus 6.00% 6.00% 6.00% 6.00%
 700 - 799 8.00% 8.00% 8.00% 8.00%
         
Signature loans up to $3,000 for 3 years based on credit score.  
(minimum credit score of 650 required)      
         
*** 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 2.50%. Dealer rate must be verified in writing by the dealer.