Loan Rates - Highway Crossroads Credit Union

Auto, RV, Motorcycle (Title)
Tractors, ATV (No Title)
Personal Loan
Revolving Line of Credit
Share Secured

Auto, RV, Motorcycle (Title)

Auto, RV, Motorcycle (Titled Collateral)

Credit Score		New	Used
A+	750+	5.49% APR	6.49% APR
A	701-749	6.24% APR	7.24% APR
B	651-700	6.99% APR	7.99% APR
C	600-650	8.74% APR	9.74% APR
D*	551-559	13.74% APR	14.74% APR
E*	500-550	15.74% APR	16.74% APR

	Model Year	Term	LV
New	2022 – Current	60	100%
New	Considered new with less than 25,000 miles
Used	2022 – Current	60	100%
	2018 – 2021	54	100%
	2015 – 2017	48	100%
	2014 or older	36	100%

Tractors, ATV (No Title)

Tractors, ATV (No Title)

Credit Score		New	Used
A+	750+	6.99% APR	8.49% APR
A	701-749	7.74% APR	9.24% APR
B	651-700	8.49% APR	9.99% APR
C	600-650	10.24% APR	11.74% APR
D*	551-559	15.24% APR	16.74% APR
E*	500-550	17.24% APR	18.74% APR

	Model Year	Term	LV
New	2022 – Current	60	100%
New	Considered new with less than 25,000 miles
Used	2022 – Current	60	80%
	2018 – 2021	54	80%
	2015 – 2017	48	80%
	2014 or older	36	80%

Personal Loan

Personal Loan (Unsecured)

Credit Score		Rate	Term	Amount
A+	750+	11.24% APR	54	$10,000.00
A	701 -749	11.99% APR	48	$7,500.00
B	651 – 700	12.49% APR	48	$7,500.00
C	600 – 650	16.24% APR	42	$5,000.00
D*	551 – 559	20.24% APR	36	$3,000.00
E*	500 – 550	22.24% APR	24	$2,000.00

Revolving Line of Credit

Revolving Line of Credit (Unsecured)

Credit Score		Rate	Amount
A+	750+	12.74% APR	$3,000.00
A	701 -749	13.24% APR	$2,500.00
B	659 – 700	13.99% APR	$1,500.00
C	600 – 650	17.74% APR	$1,000.00

Share Secured

Share Secured Loan

Rates in effect at time of loans = Current dividend rate + 2.00%

Maximum amortization period for share secured loans is 60 months; share certificate secured loans are due upon maturity.

No credit score or DTI calculation is performed for share secured or share certificate loans.

Print Loan Rates

Download Loan Rates As PDF

Provisions

The following rate additions apply to all loans except for Share Secured Loans:

+ 1.00% if payment is not set up as automatic withdrawal

+ 1.00% for all existing Highway Crossroads loans that are refinanced

+ 1.00% rate increase per each 12 month term extension (as allowed)

+ 1.00% for extending LTV to 110%

The following rate deduction applies to collateral secured loans:

- .10% with the purchase of GAP

- .10% for active Highway Hero Contributors

- .50% with active direct deposit

- .10% with Credit Life or Disability Life Insurance election

- .10% for Military Discount (active or veteran)

Management is authorized to match competitor rate and terms. Credit Manager approval is required.
Credit Manager may adjust loan terms as deemed necessary when circumstances require.

*Subject to Credit Manager approval

APR = Annual Percentage Rate
Special Notice: Credit score does not guarantee approval of loan.

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