Secured Loan Rates

Product

Fixed APR
(Annual % Rate

Amount
Financed

Maximum
Loan Term

New 2009 – 2010 Models

4.99% – 11.99%*

Up to 120%

Up to 84 months

Used 2005 – 2008 Models

5.39% – 12.39%*

Up to 120%

Up to 84 months

Used 2000 – 2004 Models

5.99% – 12.99%*

Up to 80%

Up to 60 months

Classic Models

5.99% – 12.99%*

Up to 80%

Up to 60 months

Share Secured

4.99%

Up to 90%

Up to 36 months

Port of Seattle Federal Credit Union (POSFCU) may finance and refinance your auto loan depending on credit quality.  POSFCU may finance up to 120% of the value of your collateral based on NADA Value Guides, plus taxes, license and warranty.  Classic Models require an independent appraisal if NADA Value is not available.  All NADA Values are based on Average Retail Value.  See schedule below for rate information based on collateral value and/or term of loan:


Criteria to Adjust Loan

Adjust Rate

100% Financing

Rate is Standard Rate

110% Financing

Add .50% APR to Rate

120% Financing

Add 1.00% APR to Rate

72 month financing*

Add .40% APR to Rate

84 month financing**

Add .90% APR to Rate

Direct Deposit

Minus .25% APR to Rate

Automatic Payment

Minus .50% APR to Rate

*72 month financing available on balances over $20,000

**84 month financing available on balances over $30,000

Unsecured Loan Rates

Product

Fixed APR
(Annual % Rate

Loan
Maximum

Maximum
Loan Term

VISA Platinum Card

7.99% – 15.00%

$20,000

Revolving

Signature

6.99% – 10.99%*

$999

Up to 12 months

Signature

6.99% – 10.99%*

$2499

Up to 24 months

Signature

6.99% – 10.99%*

$15,000

Up to 48 months

 

Criteria to Adjust Loan

Adjust Rate

*Direct Deposit

Minus .25% APR to Rate

*Automatic Payment

Minus .50% APR to Rate

 

 

 
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Your savings federally insured to at least $250,000 and backed by the full faith credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Equal Housing Lender: We do business in accordance with the Fair Housing Law and the Equal Credit Opportunity Act