Loan Rates
Loan Application
Products & Services
Savings Rates
About Us
Links
Welcome
Privacy Statement
Security Statement
Disclosures


Loan Rates
   
 
Loan Rates

Effective November 1, 2008

  Max Term APR
Loan Type (months) as low as*
New & Used Vehicle:  60 5.49%
Dealer purchase up to 100% of contract price. 72 5.69%
Private party purchase up to 100% of blue book value. 84 5.99%
     

WE DO NOT FINANCE ON SALVAGED TITLES.

 
Classic Vehicle: 60 7.50%
Up to 80% of appraised value. 72 7.70%
  84 8.50%
     
New & Used Motorcycle: 60 6.70%
Dealer purchase up to 100% of contract price. 72 6.90%
Private party purchase up to 100% of blue book value. 84 7.20%
     
New & Used Recreational Sports Vehicle 24  9.50%
Dealer purchase up to 100% of contract price.   36 9.50%
Private party purchase up to 100% of blue book value. 60 9.50%
New & Used RV**/Boat:  96  7.50%

Dealer purchase up to   

180  8.00%
90% of contract price. Private party purchase up to 90% of blue book value.  Boats must have current wholesale appraisal.    
     
Share Secured:   Share APR
Secured amount equals loan amount plus 3%. 120 +3%
    (Min. 5.0%)
     
Line of Credit: 60 14.00%
   
Signature: 60 11.50%
     
Overdraft Protection: 12 18.00%
Platinum VISA Annual Fee *APR
NONE 9.9%-14.0%

Rates and terms subject to change. Contact a loan officer for current information at 619.579.0941.

*APR-Annual Percentage Rate.  Rates presented are ON APPROVED CREDIT.  Other rates may apply.

**RV-Recreational vehicles include motor homes, fifth wheels, travel trailers, and van conversions.

Financial Tools

Auto Calculators

  • Auto Loans - Find out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price!
  • Lease vs. Buy - Should you lease your next automobile or finance it? Find out with this calculator!

    Credit Cards and Debt Management

  • Credit Card Payoff - Use this calculator to see what it will take to payoff your credit card balance, and what you can change to meet your repayment goals.
  • Personal Debt Consolidation - Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.

    Loan Calculators

  • Amortizing Loan Calculator - Enter your desired payment - and let us calculate your loan amount or enter in the loan amount and we will calculate your monthly payment!
  • Loan Comparison Calculator - Use this calculator to sort through the monthly payments, fees and other costs associated with comparing loan options.

    Mortgage Calculators

  • Mortgage Payoff - Save thousands of dollars in interest by increasing your monthly mortgage payment.
  • Refinance Breakeven - Use this calculator to see how much interest you can save if you refinance your mortgage.

    Personal Finance

  • Home Budget Analyzer! - Analyze your budget, see where your money goes and find out where you can improve!

  • El Cajon Federal CU
    266 S. Magnolia Avenue
    Suite 101
    El Cajon, California 92020
    P: 619.579.0941
    F: 619.579.2057
    info@elcajonfcu.org