Loans at EW#22 FCU

For Your Loan Needs

vehicle_loansElectrical Workers #22 Federal Credit Union knows that not everyone has the same loan needs. That’s why we offer a wide variety of loans to meet just about every financial need. Maybe you need a loan for a family vacation or a new car. We offer loans to help pay for weddings and even the honeymoon!

Electrical Workers #22 Federal Credit Union has loans at very competitive rates for about anything you can imagine. You can choose from a variety of terms and repayment methods. In most cases, you will receive same day loan processing.


Electrical Worker’s #22 Federal Credit Union is offering 72-month auto loans. Financing your new vehicle for the maximum 72 months allows you to spread your payments out over the longer term and reduce the size of your monthly payment. We are also offering used auto loan financing up to 48 months at reduced rates. See us for details and see how the Credit Union is making your new auto loan more affordable.

Auto Loans EFFECTIVE June 25, 2014
[Rates Subject To Change Without Notice]

SALVAGE TITLES-INTEREST RATE 1% HIGHER THAN RATE LISTED BELOW
NEW VEHICLES MUST HAVE MSO TITLE-LN AMT BASED ON PURCHASE PRICE

Loan Rates for New & Used Vehicles  (download loan fee schedule)

Year APR Maximum Amount Term Security
New (2014-2013) 2.99% 100% of Purchase Price 12-36 Months Title/Ins
New (2014-2013) 2.99% 100% of Purchase Price 37-48 Months Title/Ins
New (2014-2013) 3.99% 100% of Purchase Price 49-60 Months Title/Ins
New (2014-2013) 4.99% 100% of Purchase Price 61-72 Months Title/Ins

New (2014-2013) 3.99% 110% of Purchase Price 12-36 Months Title/Ins
New (2014-2013) 3.99% 110% of Purchase Price 37-48 Months Title/Ins
New (2014-2013) 4.99% 110% of Purchase Price 49-60 Months Title/Ins
New (2014-2013) 5.99% 110% of Purchase Price 61-72 Months Title/Ins

 

Year APR Maximum Amount Term Security
Used (2012-2010) 4.00% 100% of NADA Avg Retail 12-36 Months Title/Ins
Used (2012-2010) 4.00% 100% of NADA Avg Retail
37-48 Months Title/Ins
Used (2012-2010) 5.00% 100% of NADA Avg Retail 49-60 Months Title/Ins
Used (2012-2010) 5.00%
100% of NADA Avg Retail 61-72 Months Title/Ins

Used (2012-2010) 5.00% 110% of NADA Avg Retail 12-36 Months Title/Ins
Used (2012-2010) 5.00% 110% of NADA Avg Retail 37-48 Months Title/Ins
Used (2012-2010) 6.00% 110% of NADA Avg Retail 49-60 Months Title/Ins

Used (2009-2007) 4.25% 100% of NADA Trade In 12-36 Months Title/Ins
Used (2009-2007) 4.50% 100% of NADA Trade In 37-48 Months Title/Ins
Used (2009-2007) 5.25% 100% of NADA Avg Retail 12-36 Months Title/Ins
Used (2009-2007) 5.50% 100% of NADA Avg Retail 37-48 Months Title/Ins

Used (2006-1995) 5.50% 100% of NADA Trade In 12-36 Months Title/Ins
Used (2006-1995) 5.50% 100% of NADA Trade In 37-48 Months Title/Ins

Motorcycle Side car & Trailer  (download fee schedule)
EFFECTIVE June 25, 2014
[Rates Subject To Change Without Notice]

NEW MOTORCYCLE-MUST HAVE MSO
WE WILL LOAN A MAXIMUM OF 100% OF THE PURCHASE PRICE

  APR Maximum Amount Term Security
 
New (2014-2013) (Never been Titled) 4.99% 100% of Purchase Price 12-36 Months Title/Ins
  4.99% 100% of Purchase Price 37-72 Months Title/Ins

Used (2012-2011)        
$500.00 – On Up 4.50% 90% of NADA AVG. Retail 12-36 Months Title/Ins
$500.00 – On Up 4.50% 90% of NADA AVG. Retail 37-48 Months Title/Ins
$15,000.00 – On Up 4.50% 90% of NADA AVG. Retail 48-72 Months Title/Ins

Used (2010-2009)        
$500.00 – On Up 5.99% 90% of NADA AVG. Retail 12-36 Months Title/Ins
$500.00 – On Up 5.99% 90% of NADA AVG. Retail 55-72 Months Title/Ins

Used (2008-2006)        
$500.00 – On Up 5.99% 90% of NADA AVG. Retail 12-36 Months Title/Ins
$500.00 – On Up 5.99% 90% of NADA AVG. Retail 37-48 Months Title/Ins

Used (2005-2002)        
$500.00 – On Up 9.00% NADA AVG. Trade-In 12-24 Months Title/Ins
$500.00 – On Up 9.00% NADA AVG. Trade-In 25-30 Months Title/Ins
$500.00 – On Up 9.00% NADA AVG. Trade-In 31-36 Months Title/Ins

 

SIGNATURE LOANS up to 5K @ 8.50% (new money only)
PAYMENT $123.00/MO! (48 MONTHS)

NEW FEES:
2nd Mortgage Documentation Fee $100.00
All other Loans Documentation Fee $30.00
We are now using credit scores to determine loan rate

Signature Loans

  APR   Term Security
 
  6.00%   12, 24 or 36 Months Unsecured

Second Mortgage Loans  (download description & fee schedule)
EFFECTIVE August 20, 2014
[Rates Subject To Change Without Notice]

  APR      
 
Second Mortgage  7.00%  $ 3,000.00 – $70,000.00  12-72 Months  
Second Mortgage Loan Special 7.00%   72-120 Months
 

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