Loan Rates

Effective as of 05/30/2023  by Topside FCU.

* 60 month financing is available on autos and motorcycles, with a minimum advance of $5,000.00. 61 to 72 month financing is available on autos and motorcycles, with a minimum advance of $15,000.00; 73 - 84 month financing is available on autos, with a minimum advance of $25,000.00; New & Used Auto requests in excess of $75,000 will be subject to an increase in the interest rate.

New Vehicles
Current calendar year model and the previous model year  with 20,000 miles or less

Used Vehicles
Year models 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, and 2023 exceeding 20,000 miles

Older Model Years
Year models 2014 or prior 

**60 month financing is available on  RVs and boats with a minimum advance of $5,000.00. 61 to 72 month financing is available on  RVs and boats with a minimum advance of $15,000.00; 73 - 84 month financing is available on  RVs and boats with a minimum advance of $25,000.00; Financing is available on RVs and boats up to and including 120 months with a minimum advance of $30,000.00; 121 - 180 month financing is available on RVs and boats with a minimum advance of $50,000. Boat and RV loans are not available for purchase or refinance for residential use. 10% down payment required on new/used Boats and RV with purchase price over $75,000. Maximum loan amount for Used Boats and RV private sale financing is $50,000.

***LTV is the value of your property compared to the total amount of any mortgage secured by this property.  Other restrictions may apply.

****Variable rate as published in the money rates column of the Wall Street Journal and subject to change quarterly. Maximum rate 16%.  Minimum rate 1%.  Your rate will be determined by your credit history.  Loan to Value Ratios (LTV) up to 90%.  An appraisal may be required. Borrower must maintain property insurance.  Call the Credit Union for additional account fees and terms that apply, including rate information.

Your rate will be determined by your credit history. The actual Annual Percentage Rate will be reflected on the Loan Agreement and Consumer Credit Disclosure Statement signed by you at the time of the disbursal. Please contact the Credit Union to find out what rate you qualify for and what criteria we used to qualify you for that rate.