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Loans

The following rates are Alta Vista Credit Union’s best loan rates based on approved credit
and are effective October 1, 2014.

Vehicle Loans

New Auto's - Current Model ♦ ◊
60 months 1.99% APR
72 months 2.49% APR
84 months 2.99% APR
$18,000 minimum loan amount for 72 months
$27,000 minimum loan amount for 84 months

Used Auto's 2010 - 2013 ♦ ◊
48 months 3.24% APR
60 months 3.24% APR
72 months 3.74% APR
$18,000 minimum loan amount for 72 months

Used Auto's 2004 - 2009 ♦ ◊
48 months 3.74% APR
60 months 4.24% APR

Older Used Auto's 2000 - 2003 ♦ ◊
48 months 4.24% APR

Classic Auto's 20 Years or Older ♦ ◊
48 months 7.49% APR
60 months 8.49% APR
72 months 9.49% APR
84 months  10.49% APR

$18,000 minimum loan amount for 72 months
$35,000 minimum loan amount for 84 months

Motorcycle Loans ( Street Legal Only )

New - Current Year Model ♦ ◊
48 months 3.74% APR
60 months 4.24% APR
72 months 5.24% APR

$6,000 minimum loan amount for 48 months
$10,000 minimum loan amount for 60 months
$18,000 minimum loan amount for 72 months

Used - 10 Years or Newer ♦ ◊
48 months  5.74% APR 
60 months 6.24% APR
72 months 7.24% APR

$6,000 minimum loan amount for 48 months
$10,000 minimum loan amount for 60 months
$18,000 minimum loan amount for 72 months

Off-Road/Watercraft Loan Types  

New - Current Year Model ♦ ◊
60 months 6.24% APR
72 months 6.74% APR

$10,000 minimum loan amount for 60 months
$18,000 minimum loan amount for 84 months

Used - 10 Years or Newer ♦ ◊
60 months 8.24% APR
72 months 8.74% APR

$10,000 minimum loan amount for 60 months
$18,000 minimum loan amount for 72 months

RV Loan Types (motorhomes, trailers, 5th wheels)  

New - Current Year Model♦ ◊
60 months 5.24% APR
72 months 5.74% APR
84 months 6.24% APR
120 months 6.74% APR
144 months  7.24% APR 
180 months  7.74% APR 

$18,000 minimum loan amount for 72 months
$27,000 minimum loan amount for 84 months
$35,000 minimum loan amount for 120 months
$45,000 minimum loan amount for 144 months
$55,000 minimum loan amount for 180 months

Used - 10 Years or Newer ♦ ◊
60 months 7.24% APR
72 months 7.74% APR
84 months 8.24% APR
120 months 8.74% APR

$18,000 minimum loan amount for 72 months
$27,000 minimum loan amount for 84 months
$35,000 minimum loan amount for 120 months

Boat Loan Types   

New - Current Year Model♦ ◊
60 months 5.74% APR
72 months 6.24% APR
84 months 6.74% APR

$18,000 minimum loan amount for 72 months
$27,000 minimum loan amount for 84 months

Used - 10 Years or Newer ♦ ◊
60 months 7.74% APR
72 months 8.24% APR
84 months 8.74% APR

$18,000 minimum loan amount for 72 months
$27,000 minimum loan amount for 84 months

Personal Loans

Personal Loan
36 months 8.75% APR
60 months 12.25% APR
Regular Shared Secured (Variable Rate)
12 - 120 months 3.50%* APR
*3.50% above highest dividend rate
Share Certificate Secured (Fixed Rate)
up to 60** months 3.50%* APR
*Rate for Share Certificate = Share Certificate + Margin
 **Loan matures with Share Certificate  
QuickCash Loans
3 months 28% APR
$1,000 maximum loan amount
VISA Credit Cards
Platinum VISA 8.25% APR
Classic VISA 11.50% APR
Secured VISA 15.90% APR

♦ Rates listed are Annual Percentage Rates (APR) and are the current lowest rates based on approved credit. Borrower's actual rate may be different based on terms and conditions, and credit history.

Lowest rate quoted with e-statements and automatic payment from Alta Vista Credit Union Account (excludes VISA and Home Equity products)

Adjustments will be made based on LTV, mileage and age of collateral.


Real Estate Loans - For first mortages, please call (909) 809-3647

Home Equity Line of Credit (Variable Rate)
80% Loan to Value 4.00% APR

Home Equity Loan - Owner Occupied

80% Loan to Value 6.00%* APR

Home Equity Loan - Non-Owner Occupied

65% Loan to Value 6.00%* APR
70% Loan to Value 7.00%* APR

*Fixed rates are based on 15 year term. The rate will be discounted .10% for every year less than 15 years financed.

After Hours Lending Hotline

Consumer Loans: (800) 262-4156

Alta Vista Credit Union is committed to providing your family with the Credit Union Difference.

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