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Highway
FCU has a loan for any need...
 Highway Federal Credit Union
offers members the ability to borrow money for
nearly any purpose at attractive rates.
Signature
loans up to $9,000 may be used for nearly any purpose. Loans that are secured by
your share account receive our lowest rates. The credit union also
offers loans for new and used cars, trucks, and motorcycles.
We
offer 100% Financing for new Vehicles!
Used Vehicles
- 36 months or less - 90% Financing**
| Fair Isaac Risk Score |
Never Titled |
Used 2010 |
2009-2006 |
2005-2002 |
8+ years |
| 725-850 |
4.95% APR |
5.25% APR |
5.25% APR |
5.50% APR |
7.50% APR |
| 690-724 |
5.50% APR |
5.50% APR |
6.25% APR |
6.50% APR |
7.75% APR |
| 650-689 |
7.75% APR |
8.00% APR |
8.50% APR |
9.50% APR |
10.50% APR |
| 625-649 |
9.95% APR |
10.75% APR |
11.25% APR |
12.25% APR |
13.50% APR |
| <624 or None** |
12.50% APR |
12.50% APR |
12.95% APR |
13.95% APR |
14.95% APR |
Used Vehicles - 37 months or more - 90% Financing**
Fair Isaac Risk Score |
Never Titled |
Used 2010 |
2009-2006 |
2005-2002 |
8+ years |
| 725-850 |
5.25% |
5.25% |
6.25% |
6.95% |
7.50% |
| 690-724 |
5.75% |
8.00% |
6.50% |
7.00% |
7.75% |
| 650-689 |
8.00% |
8.25% |
8.50% |
9.50% |
10.50% |
| 600-649 |
10.25% |
10.75% |
11.25% |
12.50% |
13.50% |
| <624 or None** |
12.50% |
12.50% |
12.95% |
13.95% |
14.95% |
Fair Isaac Score Variables
Current home owner, add 15 points
Debt ratio lower than 45%, add 10 points
Same profession for 5 years, add 5 points
Direct Deposit, add 15 points
Past due amounts, subtract 15 points
debt ratio over 45%, subtract 10 points
Delinquent on more than 1 loan, subtract 10 points
Public Records, subtract 30 points
Recreational Vehicles and Trailers
| Fair Isaac Risk Scores |
Never Titled |
Used 7 Years or Less |
| 750+ w/ 100% Financing |
6.50% |
7.50% |
| 720+ w/ 90% Financing |
6.75% |
8.25% |
| 690+ w/ 90% Financing |
7.25% |
9.00% |
| 650+ w/ 80% Financing |
8.75% |
10.75% |
| 645-649 w/ 80% Financing |
10.25% |
14.50% |
Refinanced
Used Vehicles - 75% Financing**
Call or Stop in for details |
Signature
and Secured Loans**
| Scores |
12-18 Month |
19-36 Month |
37-60 Month |
| 750-ABOVE |
7.75% |
8.25% |
10.50% |
| 749-700 |
8.25% |
9.25% |
11.00% |
| 699-650 |
9.00% |
10.25% |
12.25% |
| 649-625 |
11.00% |
12.50% |
13.50% |
| <624 or None** |
12.50% |
13.50% |
14.75% |
**624
score or lower or no score requires co-signer with 725 score or higher
Home
Equity Loans*
| Scores |
5 Years |
10 Years |
15 Years |
| 750-850 |
5.95% |
6.50% |
7.00% |
| 700-749 |
6.75% |
7.00% |
7.25% |
| 625-699 |
7.25% |
7.50% |
7.75% |
*Home
Equity Loans are for 80% of value less 1st mortgage.
Click
here for a loan application that you
may print out.
We also are offering a special rate on our Visa Credit card of 6.99% on new purchases until June of 2010. Offer subject to change without notice.
To
determine your monthly loan payment, please enter the following
information in our loan calculator:
-
The
amount you wish to borrow
-
The
number of years to pay back the loan
-
The
interest rate for the type of loan you would like
The
total shown is your estimated monthly loan payment.
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