Loans

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    Effective January 1, 2015    
Collateral Collateral Maximum A+ A B C D E F Minimum 
  Code Term 750 & above 700-749 675-699 650-674 600-649 550-599 549 & below Loan 
    (months) Loan to Value Loan to Value Loan to Value Loan to Value Loan to Value Loan to Value Loan to Value Amount
      110%* 110%* 110%* 100%* 90%* 80%* 75%*  
New Auto                    
2015-2014 11 60 2.24% 2.49% 2.99% 3.49% 4.49% 6.49% 8.49%  $           1,000.00
  11 72 2.74% 2.99% 3.49% 3.99% 4.99% 6.99% 8.99%  $         15,000.00
                     
Used Auto                    
2015-2011 12 60 2.50% 2.75% 3.25% 3.75% 4.75% 6.75% 8.75%  $           1,000.00
2010-2007 12 60 3.25% 3.50% 4.00% 4.50% 5.50% 7.50% 9.50%  $           1,000.00
2006-below 12 48 4.75% 5.00% 5.50% 6.00% 7.00% 9.00% 11.00%  $           1,000.00
                     
Boats                    
2015-2014 14 60 3.75% 4.00% 4.50% 5.00% 6.00% 8.00% 10.00%  $           1,000.00
  14 84 5.00% 5.25% 5.75% 6.25% 7.25% 9.25% 11.25%  $         15,000.00
  14 120 5.75% 6.00% 6.50% 7.00% 8.00% 10.00% 12.00%  $         25,000.00
2014-2011 14 60 3.75% 4.00% 4.50% 5.00% 6.00% 8.00% 10.00%  $           1,000.00
  14 72 4.75% 5.00% 5.50% 6.00% 7.00% 9.00% 11.00%  $         15,000.00
  14 84 5.75% 6.00% 6.50% 7.00% 8.00% 10.00% 12.00%  $         20,000.00
  14 120 7.25% 7.50% 8.00% 8.50% 9.50% 11.50% 13.50%  $         25,000.00
2010-below 14 48 4.75% 5.00% 5.50% 6.00% 7.00% 9.00% 11.00%  $           1,000.00
                     
Motorcycles                    
2015-2014 14 60 3.25% 3.50% 4.00% 4.50% 5.50% 7.50% 9.50%  $           1,000.00
  14 84 4.25% 4.50% 5.00% 5.50% 6.50% 8.50% 10.50%  $         20,000.00
2013-below 14 60 4.75% 5.00% 5.50% 6.00% 7.00% 9.00% 11.00%  $           1,000.00
  14 84 5.25% 5.50% 6.00% 6.50% 7.50% 9.50% 11.50%  $         20,000.00
                     
RV                    
2015-2014 16 60 4.24% 4.49% 4.99% 5.49% 6.49% 8.49% 10.49%  $           1,000.00
  16 120 5.74% 5.99% 6.49% 6.99% 7.99% 9.99% 11.99%  $         25,000.00
2013-2008 16 60 4.74% 4.99% 5.49% 5.99% 6.99% 8.99% 10.99%  $           1,000.00
  16 120 6.75% 7.00% 7.50% 8.00% 9.00% 11.00% 13.00%  $         25,000.00
2007-below 16 60 7.25% 7.50% 8.00% 8.50% 9.50% 11.50% 13.50%  $           1,000.00
Collateral Collateral Maximum A+ A B C D E F Minimum 
  Code Term 750 & above 700-749 675-699 650-674 600-649 550-599 549 & below Loan 
    (months) Loan to Value Loan to Value Loan to Value Loan to Value Loan to Value Loan to Value Loan to Value Amount
      110%* 110%* 110%* 100%* 90%* 80%* 75%*  
Home Improvement                    
  79 60 6.75% 7.00% 7.50% 8.00% 9.00% 11.00% 13.00%  $               500.00
                     
Share Secured                    
  95 36 2.00% 2.00% 2.00% 2.00% 2.00% 2.00% 2.00%  $               500.00
  95 60 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00%  $           5,000.00
                     
CD Secured                    
  95 CD term 2.00% 2.00% 2.00% 2.00% 2.00% 2.00% 2.00%  $               500.00
                     
Maximum Unsecured Limit     $15,000 $15,000 $15,000 $10,000 $7,500 $5,000 $2,000  
Personal Loans 99 24 7.75% 8.00% 8.50% 9.00% 10.00% 12.00% 14.00%  $               500.00
  99 36 8.75% 9.00% 9.50% 10.00% 11.00% 13.00% 15.00%  $           5,000.00
  99 48 9.75% 10.00% 10.50% 11.00% 12.00% 14.00% 16.00%  $           7,500.00
  99 60 10.75% 11.00% 11.50% 12.00% 13.00% 15.00% 17.00%  $         10,000.00
                     
Line of Credit                    
  99 36 8.75% 9.00% 9.50% 10.00% 11.00% 13.00% 15.00%  $               500.00
                     
Loan Specials                    
  60 12 7.75% 8.00% 8.50% 9.00% 10.00% 12.00% 14.00%  $               500.00
                     
Firefighter Gear                    
  99 18 7.75% 8.00% 8.50% 9.00% 10.00% 12.00% 14.00%  $               500.00
                     
*Loan to Value Ratio only applies to: New Auto, Used auto,Boat, Motorcycle, & RV loans
NADA Retail Value will be used on all Auto, Boat, Motorcycle, & RV Loans that were EFFCU loans and are refinanced through EFFCU.
For every 25K over 100,000 add .50% up to 2%
FICO Classic '04 credit score is used to determine pricing on the loan.
Members with direct deposit auto pay & 16th transfer will receive a .25% interest rate deduction.
An extra 12 month extension to the max term may be approved on a case by case basis and is subject to an .50% upcharge. 
Effective 01/01/15
All Rates Are Subject To Change Without Notice.
     
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