A 700+

Excellent Credit -No unpaid collections or judgments-- 2 years credit history--2 years on the job, same trade or college equivalent-- No more than 3 late payments in the last 3 years-- All accounts current for the last 6 months – Will match up to 2% lower than current approved credit union rate excludes Visa’s). Member must provide proof of other financing approved rate

B 680-699

Same as A, but can have 5 late payments in the last 6 months

C 660-679

Limited Credit -Must have minimum 6 months credit history-- Questionable debt ratio 45%+

D 640-659

History of delinquencies, collections, judgments or bankruptcy filed in the past 5 years--No credit file or less than 6 months history

E below 639

Add 2% to the D level up to 18.00%

 

New Auto from Dealer or Refinanced New Auto less than 90 days old
TermFinance Amount
48-month term $10,000.00 or less
60-month term Finance $10,000.01
to $20,000.00
72-month term, Greater than
$20,000.01
84-month term Greater than
$30,000.01
Rate:  A 3.99%  B 4.99%  C 5.99%  D 11.99%

Used Auto up to 8 years old
TermFinance Amount
48-month term, $10,000.00 or less
60-month term $10,000.01
to $20,000.00
72-month term Greater than
$20,000.01
84-month term Greater than
$30,000.01
Rate:  A 4.29%  B 5.29%  C 6.29%  D 13.19%

Specialty Auto
**80% of appraised value**
TermRate
60 months max A 9.60%   C 11.34%
B 9.84%   D 17.34%

Motorcycles
80% of purchase price
TypeRate
New Motorcycle
(80% of purchase price)
A 6.99%  C 8.99%
B 7.49%  D 14.99%
New Harley-Davidson
(90% of purchase price)
A 6.99%  C 8.99%
B 7.49%  D 14.99%

New & Used Boats
TypeTermMinimum AmountRate
New Boat
(90% of Purchase Price)
120 Months Max $20,000.00 A 6.99%    C 8.99%
B 7.49%    D 14.99%
Used Boat
(80% of Purchase Price)
120 Months Max $20,000.00 A 6.99%    C 8.99%
B 7.49%    D 14.99%

New & Used Recreational Vehicles
TermRate
60 Months to
120 Months Max
A 8.99%   C 10.99%
B 9.49%   D 15.99%
***A paper High Bluebook Financing / B – D Low Bluebook Financing*** (Auto's, Motorcycle's, Boat's & RV's)

Personal Signature Loan
TermRate
36 Months A 12.49%   C 14.49%
B 12.99%   D 17.49%
48 Months
(Minimum $5,000.00)
A 13.49%   C 15.49%
B 13.99%   D 17.99%
60 Months
(Minimum $7,500.00)
A 14.49% - ("A" paper ONLY - $15,000 Max) 
B 14.99%   C 16.49%   D 17.99%

Other Loans
TypeAmountRate
Unsecured Limits A $15,000   C $5,000
B $7,500     D $3,500
N/A
VISA N/A A 7.9% Platinum  C 13.9% Classic
B 9.9% Choice     D 15.9% Classic
Share Secured Loan N/A 5.0% plus current Dividend Rate
Overdraft Protection N/A 17.00%

***SAVE AN ADDITIONAL 0.10% ON LOANS, WITH AN ACTIVE MOORE WEST FEDERAL CREDIT UNION CHECKING ACCOUNT.  SAVE AN ADDITIONAL 0.10% WITH A GOOD STANDING MWFCU VISA.  SAVE AN ADDITIONAL 0.10% WITH AN EXISTING DIRECT DEPOSIT.  SAVE AN ADDITIONAL 0.10% WITH AN OPEN CERTIFICATE OF DEPOSIT.  SAVE AN ADDITIONAL 0.10% FOR CHOOSING TO GO GREEN (NO MAIL STATEMENTS).  REFINANCE ANY LOAN FROM ANOTHER LENDER & SAVE AN ADDITIONAL 0.25%. (all 6 saves a total of 0.75%)***