VEHICLE LOAN RATES
AUTO RESOURCES
REFINANCE YOUR LOAN
Vehicle Loans
We can help you finance the auto, RV, boat, motorcycle, or off-road vehicle you have your eye on - new or used. Features and benefits of our loans:
- Competitive rates
- Up to 100% financing available
- Flexible payment terms
- .50% rate discount for automatic payment
- Convenient payment options
Refinancing
If you purchased a vehicle and financed it somewhere else, you may have a higher interest rate or you may have a higher monthly payment. Consider refinancing your vehicle loan with EECU - it just may save you some money!
Give us the opportunity to earn your business and see if we can lower your monthly payment. If you decide to refinance the loan with us, we'll make the process easy and quick. We'll even take care of paying off the loan and transferring the title.
Our Refinance Auto Loans Offer:
- Flexible payment terms
- Up to 100% financing available
- .50% rate discount for automatic payment
- Convenient payment options
Student Auto Loans
If you're a student, we've got an auto loan package just for you! Student auto loan rates include a discount for required automatic payment and are based on your GPA.
Auto Resources
Rates
*Offer valid on New Auto loans (model year 2021 and newer) funded November 1 – December 31, 2024. “As low as” APR assumes a maximum term of 72 months with a 0.50% discount for auto pay from an EECU checking account. Your actual APR may differ based on your credit history, loan term and other factors. Payment example: monthly payment is $18.64 per $1,000 borrowed for a 5-year loan at 4.49% APR. Rates not available to refinance any existing EECU loan. Subject to credit approval. Rates subject to change without notice. Other conditions and restrictions apply.
Rates effective November 1, 2024
Autos
| Term | APR As Low As | Estimated Monthly Payment based on 'As low As' Rate |
|---|---|---|
| 36 months | 4.49% | $29.74 per $1,000 |
| 48 months | 4.49% | $22.80 per $1,000 |
| 60 months, $5,000 minimum | 4.49% | $18.64 per $1,000 |
| 72 months, $15,000 minimum | 4.49% | $15.87 per $1,000 |
| 84 months, $25,000 minimum | 5.49% | $14.37 per $1,000 |
Auto Loan Maximum $125,000. Must be titled in California.
'As low as' rate includes .50% discount for automatic payment from EECU checking account.
| Term | APR | Estimated Monthly Payment based on 60 month term |
|---|---|---|
| 36 - 72 months | ||
| GPA 3.50 or higher | 4.49% | $18.64 per $1,000 |
| GPA 3.00 - 3.49 | 5.99% | $19.33 per $1,000 |
| GPA 2.50 - 2.99 | 8.49% | $20.51 per $1,000 |
| GPA 2.49 or less | 14.49% | $23.52 per $1,000 |
Auto Loan Maximum $20,000. Must be titled in California. Required automatic payment from EECU checking account. Student must be 18 years of age or older, enrolled in a minimum of six (6) units, and provide a grade report/transcript that is less than six months old.
| Term | APR As Low As | Estimated Monthly Payment based on 'As low As' Rate |
|---|---|---|
| 36 months | 6.00% | $30.42 per $1,000 |
| 48 months | 6.00% | $23.49 per $1,000 |
| 60 months, $5,000 minimum | 6.00% | $19.33 per $1,000 |
| 72 months, $15,000 minimum | 6.00% | $16.57 per $1,000 |
| 84 months, $25,000 minimum | 7.00% | $15.09 per $1,000 |
Auto Loan Maximum $100,000. Must be titled in California.
'As low as' rate includes .50% discount for automatic payment from EECU checking account.
| Term | APR | Estimated Monthly Payment based on 60 month term |
|---|---|---|
| 36 - 60 months | ||
| GPA 3.50 or higher | 6.00% | $19.33 per $1,000 |
| GPA 3.00 - 3.49 | 7.50% | $20.04 per $1,000 |
| GPA 2.50 - 2.99 | 10.00% | $21.25 per $1,000 |
| GPA 2.49 or less | 16.00% | $24.32 per $1,000 |
Auto Loan Maximum $20,000. Must be titled in California. Required automatic payment from EECU checking account. Student must be 18 years of age or older, enrolled in a minimum of six (6) units, and provide a grade report/transcript that is less than six months old.
| Term | APR As Low As | Estimated Monthly Payment based on 'As Low As' Rate |
|---|---|---|
| 36 months | 7.24% | $30.99 per $1,000 |
| 48 months, $5,000 minimum | 7.74% | $24.29 per $1,000 |
| 60 months, $10,000 minimum | 7.94% | $20.25 per $1,000 |
| 72 months, $15,000 minimum | 7.94% | $17.50 per $1,000 |
Golden Auto Loan Maximum $100,000. Must be titled in California.
'As low as' rate includes .50% discount for automatic payment from EECU checking account.
| Term | APR As Low As | Estimated Monthly Payment based on 'As Low As' Rate |
|---|---|---|
| Up to 60 months, $5,000 minimum | 7.94% | $20.25 per $1,000 |
Classic Auto Loan Maximum $50,000. Must be titled in California.
'As low as' rate includes .50% discount for automatic payment from EECU checking account.
RV/Boat Loans
RV's: 2021 and newer models Boats: Not Previously Registered
| Term | APR As Low As | Estimated Monthly Payment based on As low As Rate |
|---|---|---|
| NEW BOAT | ||
| 36 months | 6.50% | $30.65 per $1,000 |
| 48 months | 6.50% | $23.71 per $1,000 |
| 60 months, $5,000 minimum | 6.50% | $19.57 per $1,000 |
| 72 months, $15,000 minimum | 6.50% | $16.81 per $1,000 |
| 84 months, $25,000 minimum | 7.00% | $15.09 per $1,000 |
| 120 months, $30,000 minimum | 8.00% | $12.13 per $1,000 |
| 144 months, $35,000 minimum | 9.00% | $11.38 per $1,000 |
| NEW RV | ||
| 36 months | 6.50% | $30.65 per $1,000 |
| 48 months | 6.50% | $23.71 per $1,000 |
| 60 months, $5,000 minimum | 6.50% | $19.57 per $1,000 |
| 72 months, $15,000 minimum | 6.50% | $16.81 per $1,000 |
| 84 months, $25,000 minimum | 7.00% | $15.09 per $1,000 |
| 120 months, $30,000 minimum | 8.00% | $12.13 per $1,000 |
| 144 months, $35,000 minimum | 9.00% | $11.38 per $1,000 |
| 180 months, $50,000 minimum | 10.00% | $10.75 per $1,000 |
'As low as' rate includes a .50% discount for automatic payment from an EECU checking account. Trailer max. length 48 ft. and/or width 8.5 ft. Must be titled in California.
RV's: 2020 and older models Boats: Previously Registered
| Term | APR As Low As | Estimated Monthly Payment based on As low As Rate |
|---|---|---|
| USED BOAT | ||
| 36 months | 7.00% | $30.88 per $1,000 |
| 48 months | 7.00% | $23.95 per $1,000 |
| 60 months, $5,000 minimum | 7.00% | $19.80 per $1,000 |
| 72 months, $15,000 minimum | 7.00% | $17.05 per $1,000 |
| 84 months, $25,000 minimum | 8.50% | $15.84 per $1,000 |
| 120 months, $30,000 minimum | 9.50% | $12.94 per $1,000 |
| 144 months, $35,000 minimum | 10.50% | $12.24 per $1,000 |
| USED RV | ||
| 36 months | 7.00% | $30.88 per $1,000 |
| 48 months | 7.00% | $23.95 per $1,000 |
| 60 months, $5,000 minimum | 7.00% | $19.80 per $1,000 |
| 72 months, $15,000 minimum | 7.00% | $17.05 per $1,000 |
| 84 months, $25,000 minimum | 7.50% | $15.34 per $1,000 |
| 120 months, $30,000 minimum | 8.50% | $12.40 per $1,000 |
| 144 months, $35,000 minimum | 9.50% | $11.66 per $1,000 |
| 180 months, $50,000 minimum | 10.50% | $11.05 per $1,000 |
'As low as' rate includes a .50% discount for automatic payment from an EECU checking account. Trailer max. length 48 ft. and/or width 8.5 ft. Must be titled in California.
Motorcycle Loans
| Term | APR As Low As | Estimated Monthly Payment based on 'As low As' Rate |
|---|---|---|
| NEW MOTORCYCLE | ||
| 36 months | 6.00% | $30.42 per $1,000 |
| 48 months, $2,500 minimum | 6.00% | $23.49 per $1,000 |
| 60 months, $5,000 minimum | 6.00% | $19.33 per $1,000 |
| 72 months, $15,000 minimum | 6.00% | $16.57 per $1,000 |
| USED MOTORCYCLE | ||
| 36 months | 6.50% | $30.65 per $1,000 |
| 48 months, $2,500 minimum | 6.50% | $23.71 per $1,000 |
| 60 months, $5,000 minimum | 6.50% | $19.57 per $1,000 |
| 72 months, $15,000 minimum | 6.50% | $16.81 per $1,000 |
New/Used Motorcycle Loan Maximum $30,000. Must be titled in California. 'As low As' rate includes a .50% discount for automatic payment from an EECU checking account.
New & Used Off-Road Vehicle Loans
| Term | APR As Low As | Estimated Monthly Payment based on 'As low As' Rate |
|---|---|---|
| 36 months, $1,000 minimum | 9.00% | $31.80 per $1,000 |
| 48 months, $2,500 minimum | 10.00% | $25.36 per $1,000 |
| 60 months, $5,000 minimum | 11.00% | $21.74 per $1,000 |
Off-Road Vehicle Loan Maximum $20,000. Must be titled in California. 'As low as' rate includes .50% discount for automatic payment from EECU checking account.
*Actual rate depends upon credit history and other factors. Lowest rate shown includes .50% automatic payment discount from EECU checking account. Rates are not available for refinancing existing EECU loans. Rates subject to change without notice.
How Interest Rates Are Determined: To make loans available to as many members as possible, we offer a variety of rates. The actual rate of interest applicable to your loan will depend on a number of factors including, but not limited to, credit history and loan payments by automatic payment. The rate assigned will be disclosed to you before you become obligated. A .50% discount for loan payments by automatic payment is available on certain loan types. The rate reduction does not apply to VISA credit cards, certain unsecured loans or share secured loan sub-accounts.
New Auto Financing: Dealer Purchase - Marked new on the purchase order: 100% of purchase price, not to exceed 120% of MSRP (Manufacturer's Suggested Retail Price) including tax, license, Mechanical Breakdown Insurance (MBI) or dealer warranty, Guaranteed Auto Protection (GAP) waiver, upgrades (accessories), and applicable EECU fees. Dealer Purchase - Marked used on the purchase order: 100% of retail Kelley Blue Book (plus tax, license, MBI or dealer warranty, GAP, and applicable EECU fees). Private Party Purchase: 100% of retail Kelley Blue Book (plus tax, license, MBI or dealer warranty, GAP, and applicable EECU fees).
Used Auto Financing: Financing available up to 100% of retail Kelley Blue Book or NADA Guide (plus tax, license, MBI or dealer warranty, GAP, and applicable EECU fees).
