Rates & Calculators

APR = Annual Percentage Rate.

APRs are as low as the rates advertised above. Rates are for qualified borrowers who meet certain credit criteria. Repayment in as many as 60 monthly payments of $18.41 per $1000.00 borrowed for the rates shown. Rates and terms subject to change without notice. Membership requirements apply. Other rates and terms available. Max Mileage 150,000: 2019 & Newer with Mileage over 90k up to 125k will have 2% added to the state rate. All Model Years Mileage over 125 K up to 80% LTV will have 2% points added to the stated rate. Anything $50k or over will have an additional 1% point added to the stated rate. Over 100% and up to 120% NADA Retail will have a full 2.00% added to the above stated rates. 0.75% added to all extended terms. Minimum financing amount is $5,000 and maximum debt-to-income ratio is 50% (over 50% subject to review). Contact credit union for full loan details.

Up to 80% LTV. Max LTV is 100% of MSRP or NADA retail value. Add 1.00% to rates for up to 100% LTV. Financing amount minimum is $5,000 and maximum debti-to-income is 50% (restrictions apply). If an extended term is granted a .75% increase will be added for each full year of part thereof.

Maximum Loan-to-Value (LTV) is 100% of MSRP or NADA retail value. Minimum financing amount is $1,000 and maximum Debt-to-Income Ratio is 50% (restrictions may apply). Maximum mileage on vehicle is 90,000 miles. No branded titles (e.g., salvage, true mileage unknown, flood damage) will be accepted. First payment due date must be within 45 days from the contract date. Any deferred down payments must be paid in full to the dealer prior to loan funding. Maximum warranty coverage: $1,500 or actual cost, whichever is less. 36 months: Tiers 1-3: 1 point on the amount financed; Tier 4: Flat $100 fee (for amounts over $10,000 financed); Tier 5: No reserve. 48 months: Tiers 1-3: 2 points on the amount financed; Tier 4: Flat $100 fee (for amounts over $10,000 financed); Tier 5: No reserve. 60-72 months: Tiers 1 & 2: 2 points on the amount financed; Tiers 3 & 4: 2.5 points on the amount financed (for amounts over $5,000 financed).

Maximum Loan-to-Value (LTV) is 80% of MSRP or NADA retail value. Minimum financing amount is $1,000 and maximum Debt-to-Income ratio is 50% (restrictions may apply). Maximum warranty coverage is $1,500. No branded titles (e.g., salvage, true mileage unknown, flood damage) will be accepted. First payment due date must be within 45 days from the contract date. Any deferred down payments must be paid in full to the dealer prior to loan funding. Dealer preparation/freight charges can be financed with a maximum of $500 or actual cost, whichever is less, and must be listed on the bill of sale. 36 months: Tiers 1-3: 1 point on the amount financed; Tier 4: Flat $100 fee (for amounts over $10,000 financed); Tier 5: No reserve. 48 months: Tiers 1-3: 2 points on the amount financed; Tier 4: Flat $100 fee (for amounts over $10,000 financed); Tier 5: No reserve. 60-72 months: Tiers 1 & 2: 2 points on the amount financed; Tiers 3 & 4: 2.5 points on the amount financed (for amounts over $5,000 financed); Tier 5: Flat $100 fee.

APRs are as low as the rates advertised above. Rates are for qualified borrowers who meet certain credit criteria. Repayment in as many as 36 monthly payments of 31.33 per $1000 borrowed for the rates shown. For loan amounts over $15,000, the maximum term is 72 months and as low as 13.75% APR. Rates and terms subject to change without notice. Membership requirements apply. Other rates and terms available. Contact credit union for full loan details.

Personal Line of Credit variable APRs are as low as the rates advertised above and are based on Wall Street Journal Prime Rate, plus a margin. APR may change after account opening. Rates current as of 10/01/2024. Minimum $1,000.00 borrowed required with minimum $25.00 draw amount. Loan account, rate, and conditions are subject to credit approval and may change without notice. Membership required and upon qualification.

APRs are as low as the rates advertised above. Members may borrow up to 133% maximum loan to value (LTV) without first mortgage. The payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. Consult your tax advisor for tax-deductible eligibility. Contact credit union for full loan details. If you obtain this loan, Cross Valley Federal Credit Union, the lender, will have a mortgage on your home. You could lose your home and any money you put into it if you do not meet your obligations under the loan. NMLS#808487

You can obtain credit advances for 5 years (also known as the “Draw Period.”). Maximum payment term: 180 month. APR (Variable Rate) is a predetermined periodic rate that corresponds to the Six Month Treasury Bill Rate (Auction High). We start with an independent index, (the "Index"), which is the monthly average of the Six Month Treasury Bill Rate (Auction High). We will use the most recent index value available to us as of 1 day before the date of any annual percentage rate adjustment. The annual percentage rate can change semi-annually on the first day of January and July. The rate cannot increase or decrease more than 2.0 percentage points in any one year period. Rates and terms subject to change without notice. Lifetime maximum variable APR is 18%. Rates shown are for qualified borrowers who meet certain credit criteria. NMLS#808487. Membership requirements apply.