Loan Rates

LOAN RATE SHEET

Auto loans financed up to 120% Loan-to-Value, include tax, license, MBI and GAP waiver for new vehicles and 110% Loan-to-Value, include tax, license, MBI and GAP waiver for used vehicles.

New and Used Vehicles

TermNew Auto RateUsed Auto Rate
24 Months 2.49%** 3.49%**
36 Months 2.49%** 3.49%**  
48 Months 3.49%** 4.49%**
60 Months 3.49%** 4.49%**
72 Months 3.49%** 4.49%**
84 Months 3.99%** 4.99%**

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New and Used Recreational Vehicles

TermNew RateUsed Rate
24 Months 5.92%** 5.92%**
36 Months 5.92%** 5.92%**
48 Months 5.92%** 5.92%**
60 months 5.92%** 5.92%**
72 months 6.13%** 6.13%**
84 months 6.61%** 6.61%**
120 months 6.91%** 6.91%**
180 months 7.41%** 7.41%**

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Personal Loans (Up to $25,000 No Collateral Required)

TermRate
up to 60 months As low as 12.49%**

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Visa (6-month intro rate of 3.99%)

LimitRate
Up to $10,000 ** As low as 10.99%**

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Line of Credit

TermRate
Revolving As low as 8.99%**

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First Trust Deed and Home Equity Loans

Please call the credit union

*APR= Annual Percentage Rates. **Standard rate based on Platinum FICO score 740+. El Monte Community Credit Union has a managed-risk credit program and rates vary based on your individual FICO score. All rates reflect .50% discount with Direct Deposit payment (excluding Visa) Rates are subject to change without notice.

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Your savings insured to $250,000 per account. This institution is not federally insured, or insured by any state government.