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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%
| Term | Finance 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 4.19% B 5.19% C 6.19% D 12.19% | |
| Term | Finance 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 4.49% B 5.49% C 6.49% D 13.39% | |
| Term | Rate |
|---|---|
| 60 months max | A 9.60% C 11.34% B 9.84% D 17.34% |
| Type | Rate |
|---|---|
| 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% |
| Type | Term | Minimum Amount | Rate |
|---|---|---|---|
| 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% |
| Term | Rate |
|---|---|
| 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) | |
| Term | Rate |
|---|---|
| 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% |
| Type | Amount | Rate |
|---|---|---|
| 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%)***