Used Vehicle Rates
Available Discounts on Standard Rates:
-
A rate discount of .50% for payroll deduction of loan payments
-
A rate discount of .25% for new services you add with the Credit Union (Eligible services include:VISA Card, Debit Card, Online Bill Pay, and Club Accounts)
-
A rate discount of .25% for members
who already have all eligible services.
Used Vehicle Loan Rates
· Includes Trucks, SUVs, RVs, Boats and Motorcycles.
· NADA "Loan Value" + $1000 financing without GAP insurance.
· NADA "Retail Value" financing with GAP insurance.
Standard Rates for Used Vehicles --No Older Than Four (4) Model Years
|
Credit Score |
36 Month Rate |
48 Month
Rate |
60 Month
Rate |
66 Month
Rate |
84 Month
Rate |
96 Month
Rate |
120 Month Rate |
|
730+ |
5.50 |
5.75 |
6.00 |
6.75 |
7.25 |
7.75 |
8.25 |
|
680-739 |
6.00 |
6.25 |
6.50 |
7.25 |
7.75 |
8.25 |
8.75 |
|
640-679 |
6.50 |
6.75 |
7.00 |
7.75 |
8.25 |
8.75 |
9.25 |
|
600-639 |
9.00 |
9.25 |
9.50 |
10.25 |
10.75 |
11.25 |
11.75 |
|
550-599 |
10.00 |
10.25 |
10.50 |
11.25 |
11.75 |
12.25 |
12.75 |
|
501-549 |
11.50 |
11.75 |
12.00 |
12.75 |
13.25 |
13.75 |
14.25 |
Standard Rates for Used Vehicles -- Five (5) Model Years & Older
|
Credit Score |
36 Month Rate |
48 Month
Rate |
|
730+ |
7.00 |
7.50 |
|
680-739 |
7.50 |
8.00 |
|
640-679 |
8.00 |
8.50 |
|
600-639 |
10.50 |
11.00 |
|
550-599 |
11.50 |
12.00 |
|
501-549 |
13.00 |
13.50 |
Rates exceeding 66 months are not available for used autos or used light trucks.
Rates may be affected by the amount borrowed. Call for further information.
|
Protect Yourself From Identity Theft
Identity theft continues to be a threat to everyone's financial security. If you have any suspicions that your personal or financial information has been compromised please call us as soon as possible and we will help in any way we can. For more information about how to avoid identity theft and what to do if you believe you have been a victim of ID Theft click here.
Free Credit Reports.
For information and access to the only, official site authorized by the Federal Trade Commission: Click here
The Oswego Teachers Employees FCU will never ask you for sensitive information in an email, phone call or text message initiated by us. Do not respond to such inquiries as they may be the work of identity thieves.
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Membership Eligibility
Eligibility for membership extends to all employees of the A.P.W., Central Square, Hannibal, Mexico, Oswego, Pulaski, Sandy Creek school districts, B.O.C.E.S. and the Oswego City Library. And that’s not all. Family members: mother, father, brother, sister, son, daughter, aunt, uncle, niece, nephew, grandmother, grandfather…well, you get the picture, are all eligible for membership in our Credit Union—Your Credit Union. We’d love to have your family become part of our family and have them benefit from our services. Call us with any questions or email us for a membership application:info@oswegoteacherscu.org
N.C.U.A. Increases Deposit Insurance to $250,000.
This law is in effect until December of 2013. This is great news for depositors who no longer have to worry that deposits totalling more than $100,000 would be uninsured. If you would like detailed information about depositor insurance, you may view NCUA's "Your Insured Funds." View Brochure |
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