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Rates as low as...
Rates effective as of November 28, 2008
Select Vehicle Rates
Vehicle Loan Rates*
New and Used Current Model Year
Term Model/Year APR
36 - 48 mths.† New 2008/2009 only 4.49%
60 - 72 mths. † New 2008/2009 only 5.49%
36 - 72 mths. † All used regardless of year 5.74%
84 mths.† New 2008/2009 only 6.99%
All used regardless of year 7.50%
Motorcycle and Jet Ski*
New and Used Current Model Year
Term Model/Year APR
36 - 72 mths.† New 2008/2009 only 5.99%
All used regardless of year 6.74%
84 mths.† New 2008/2009 only 6.99%
All used regardless of year 7.50%
Secured Personal Loan Rates**
Used and Current Model year
Term Model/Year APR
Up to 48 mths. All models regardless of year 8.25%

APR is the Annual Percentage Rate. Rates and terms are subject to change without notice. Rates are for qualified applicants only for a limited period of time. Other rates and terms may apply. Cannot be combined with any other offer. All Credit Union loans are granted on the basis of creditworthiness and the ability to repay.

†Minimum collateral value required for extended terms

* Rate shown includes .25% discount for the Member Relationship Program. To qualify, loan must be set up for automatic repayment via transfer from your EFFCU account or automatic repayment via payroll deduction. For payroll deduction option, payroll must already be in place at time of loan closing. The Member Relationship Discount is not available on Credit Cards, Certificate/Share Secured Loans.

** Maximum LTV on Secured Personal loans is 80%. Rate shown includes .25% discount for the Member Relationship Program. To qualify, loan must be set up for automatic repayment via transfer from your EFFCU account or automatic repayment via payroll deduction. For payroll deduction option, payroll must already be in place at time of loan closing. The Member Relationship Discount is not available on Credit Cards, Certificate/Share Secured Loans.
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