Credit Rates

1st Credit Union realizes that many of your situations may involve the need for extra cash flow. Cash for a new home, new or used car, college, boats, RVs and more. What can we help you with today?

 

Rates starting at 1.75%* for up to 48 months. (Effective 1/1/2015)

*Restrictions Apply!

Rates below are for Autos, Trucks, Vans, & SUVs. A 2.00% Premium added for Motorcycles, RVs, & Boats.

New (2014-15)Vehicle Loan Rates

Term (months)

A+ (720 & up)

A (700-719)

B (680-699)

C (640-679)

D (600-639)

E (599 & below)

0-481.75%2.75%3.75%6.49%8.99%14.75%
49-601.99%2.99%3.99%6.49%8.99%14.75%
61-662.49%3.49%4.49%6.99%9.49%14.75%
67-722.99%3.99%4.99%7.49%9.99%14.75%
73-843.99%4.99%5.99%8.49%10.99%14.75%

Used (2011-14)Vehicle Loan Rates

Term (months)

A+ (720 & up)

A (700-719)

B (680-699)

C (640-679)

D (600-639)

E (599 & below)

0-481.99%2.99%3.99%6.49%8.99%14.99%
49-602.49%3.49%3.99%6.49%8.99%14.99%
61-662.74%3.99%4.49%6.99%9.49%14.99%
67-722.99%4.49%4.99%7.49%9.99%14.99%
73-843.99%5.49%5.99%8.49%10.99%14.99%

Used (2008–2010 with $15k min.) Vehicle Loan Rates 

 

Term (months)

A+ (720 & up)

A (700-719)

B (680-699)

C (640-679)

D (600-639)

E (599 & below)

0-482.49%3.49%4.99%7.49%9.99%14.99%
49-602.99%4.49%5.49%7.49%9.99%14.99%

Used (2007–older with $15k min.) Vehicle Loan Rates 

 

Term (months)

A+ (720 & up)

A (700-719)

B (680-699)

C (640-679)

D (600-639)

E (599 & below)

0-368.99%9.99%9.99%12.99%14.99%17.99%
37-488.99%9.99%9.99%12.99%14.99%17.99%

Add 1.00% premium for model years 2007 and 2008. Model years 2005 & older treated as collateral at discretion of the Credit Union.

Premium will be added for LTVs greater than 107%: see chart below

108-114% LTV

0.50%

115-124% LTV

1.00%

125% & up LTV

1.50%

Ask our Financial Services Consultants for details

Type of Loan Sub-Account

Maximum Amount Financed

Maximum Repayment Term (Approximate)

ANNUAL PERCENTAGE RATE (APR)

Share-Secured Available Balance up to 120 months 2.75% plus current divided rate
Certificate-Secured Certificate Principal Amount up to 120 months 2.75% plus current divided rate
1stLine Line of Credit (LOC) $30,000.00 Not Applicable 9.99% beacon score 700 or higher
9.99% beacon score 680-699
17.99% beacon score 640-679
17.99% beacon score 600-639
17.99% beacon score 599 or less
1stPersonal Loan (secured) $30,000.00 up to 60 months 9.99% beacon score 720 or higher
10.99% beacon score 700-719
12.99% beacon score 680-699
14.99% beacon score 640-679
17.99% beacons score 639 or less
At 1st Credit Union of Gainesville, our industry-leading CONSUMER credit card products offer competitive pricing combined with a full range of reward options – making it easy to select and apply for the card that meets your needs. Learn more.

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