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Loans

The following rates are Alta Vista Credit Union’s best loan rates based on approved credit
and are effective July 1, 2016.

Vehicle Loans

New/Used Autos 2012 - 2016 Models ♦ ◊
48 months  1.99% APR*
60 months 2.49% APR*
72 months 2.99% APR*
84 months 3.49% APR*
$10,000 minimum loan amount for 60 months
$15,000 minimum loan amount for 72 months
$20,000 minimum loan amount for 84 months


Used Autos 2002 - 2011 Models ♦ ◊
48 months 4.24% APR*
60 months 4.74% APR*
72 months
5.49% APR*
 $10,000 minimum loan amount for 60 months
$15,000 minimum loan amount for 72 months

 

Classic Autos 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 4.24% APR*
60 months 4.74% APR*
72 months 5.74% APR*
84 months
6.74% APR*

$6,000 minimum loan amount for 48 months
$10,000 minimum loan amount for 60 months
$15,000 minimum loan amount for 72 months
$20,000 minimum loan amount for 84 months

Used - 7 Years or Newer ♦ ◊
48 months  6.24% APR*
60 months 6.74% APR*
72 months 7.74% APR*
84 months
8.74% APR*

$6,000 minimum loan amount for 48 months
$10,000 minimum loan amount for 60 months
$15,000 minimum loan amount for 72 months
$20,000 minimum loan amount for 84 months

Motorcycle Loans ( Touring - Honda Goldwing, BMW, Harley-Davidson, Trikes )

New - Current Year Model ♦ ◊
48 months 3.74% APR*
60 months 3.99% APR*
72 months 4.49% APR*
84 months
4.99% APR*

$10,000 minimum loan amount for 48 and 60 months
$15,000 minimum loan amount for 72 months
$20,000 minimum loan amount for 84 months

Used - 7 Years or Newer ♦ ◊
48 months  5.49% APR*
60 months 5.99% APR*
72 months 6.49% APR*
84 months
6.99% APR*

$10,000 minimum loan amount for 48 and 60 months
$15,000 minimum loan amount for 72 months
$20,000 minimum loan amount for 84 months

Off-Road/Watercraft Loans

New - Current Year Model ♦ ◊
60 months 6.74% APR*
72 months 7.24% APR*

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

Used - 5 Years or Newer ♦ ◊
60 months 8.74% APR*
72 months 9.24% APR*

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

RV and Boat Loans (Including Motorhomes, Trailers, 5th wheels)  

2013 or Newer ♦ ◊
60 months 5.24% APR*
72 months 5.74% APR*
84 months 6.24% APR*
120 months 5.74% APR*
144 months  5.49% APR*

$15,000 minimum loan amount for 72 months
$20,000 minimum loan amount for 84 months
$35,000 minimum loan amount for 120 months
$50,000 minimum loan amount for 144 months

Personal Loans

Personal Loan
36 months 9.25% APR*
60 months 12.75% APR*
Regular Shared Secured (Variable Rate)
12 - 120 months 4.00%* APR
*4.00% above highest dividend rate
Share Certificate Secured (Fixed Rate)
up to 60** months 4.00%* 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.

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

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

 

Real Estate Loans - For first mortgages, please call 909.809.3647

Home Equity Line of Credit (Variable Rate)
80% Loan to Value 4.25% APR


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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