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Auto Loan Special. Limited time.
Model years 2009 and newer. Take the Dealer''s cash and take our loan!!!
2.99%. Up to 36 months. Minimum 660 credit score to qualify. May not be combined with other rate discounts.
3.49%. Up to 60 months. Minimum 660 credit score to qualify. May not be combined with other rate discounts.
We will refinance, at these special rates, loans you currently have with other financial institutions.
Cars, light trucks, RVs, boats and motorcycles only (This special offer does not include ATVs).
For this special offer only, miles are not restricted to 6000 or fewer.
For 2009, 2010 and 2011 pre-owned models we will finance NADA "Clean Trade In" value + $1000 (without GAP insurance) or NADA "Retail Value" (with GAP insurance)
Standard rates and discounts apply in all other cases.
30-day pre-approval available so you can lock your rate before you shop. These rates are subject to change at any time.
**Credit union debt ratio requirements apply for approval of loans |
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Available Discounts on Standard Rates:
New Vehicle Loan Rates
· Includes Trucks, SUVs, RVs, Boats and Motorcycles
· “New” is no older than 2 model years and must have less than 6,000 miles
· 100% financing available
Standard Rates for New Vehicles (with payroll deduction)
|
Credit Score |
36 Month Rate |
48 Month
Rate |
60 Month
Rate |
72 Month
Rate |
84 Month
Rate |
96 Month
Rate |
120 Month Rate |
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730+ |
4.00 |
4.25 |
4.50 |
5.00 |
5.75 |
6.25 |
6.75 |
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680-729 |
4.50 |
4.75 |
5.00 |
5.50 |
6.25 |
6.75 |
7.25 |
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640-679 |
5.00 |
5.25 |
5.50 |
6.00 |
6.75 |
7.25 |
7.75 |
|
600-639 |
7.50 |
7.75 |
8.00 |
8.50 |
9.25 |
9.75 |
10.25 |
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550-599 |
8.50 |
8.75 |
9.00 |
9.50 |
10.25 |
10.75 |
11.25 |
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500-549 |
10.00 |
10.25 |
10.50 |
11.00 |
11.75 |
12.25 |
12.75 |
Rates exceeding 72 months are not available for autos or light trucks.
Rates may be affected by the amount borrowed. Call for further information.
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Protect Yourself From Identity Theft
If you have any suspicions that your personal or financial information has been compromised please call us as soon as possible. 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… are all eligible for membership in the Credit Union—Your Credit Union. We’d love to have your family become part of our family. 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. If you would like detailed information about depositor insurance, you may view NCUA's "Your Insured Funds." View Brochure |
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