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Huntington WV Firemen's FCU
Loan Rates
SIGNATURE LOANS
TERMS AND RATES
SHARE PLEDGE............4.5%
| TIER/FICO |
12 MONTHS |
24 MONTHS |
36 MONTHS |
48 MONTHS |
60 MONTHS |
| A+>730 |
7.00% |
7.50% |
8.00% |
8.50% |
9.00% |
| A 680-729 |
8.00% |
8.50% |
9.00% |
9.50% |
10.00% |
| B 640-679 |
9.00% |
9.50% |
10.00% |
10.50% |
11.00% |
| C 600-639 |
11.00% |
11.50% |
12.00% |
12.50% |
13.00% |
| D 550-599 |
13.50% |
14.00% |
14.50% |
15.00% |
15.50% |
| E <= 549 |
15.00% |
15.50% |
16.00% |
16.50% |
17.00% |
NEW VEHICLE LOAN RATES
Previously Untitled Vehicles
We can loan up to 100% of BLACK BOOK retail
| TIER/FICO |
36 MONTHS |
48 MONTHS |
60 MONTHS |
72 MONTHS |
84 MONTHS |
|
A+>730
|
4.00% |
4.50% |
5.00% |
5.50% |
6.00% |
| A 680-729 |
5.00% |
5.50% |
6.00% |
6.50% |
7.00% |
| B 640-679 |
6.00% |
6.50% |
7.00% |
7.50% |
8.00% |
| C 600-639 |
8.00% |
8.50% |
9.00% |
9.50% |
10.00% |
| D 550-599 |
10.50% |
11.00% |
11.50% |
12.00% |
12.50% |
| E <549 |
14.00% |
14.50% |
15.00% |
15.50% |
16.00% |
USED VEHICLES WITHIN 5 YEARS
We can loan up to 100% of BLACK BOOK retail
| TIER/FICO |
36 MONTHS |
48 MONTHS |
60 MONTHS |
72 MONTHS |
84 MONTHS |
| A+>730 |
4.50% |
5.00% |
5.50% |
6.00% |
6.50% |
| A 680-729 |
5.50% |
6.00% |
6.50% |
7.00% |
7.50% |
| B 640-679 |
6.50% |
7.00% |
7.50% |
8.00% |
8.50% |
| C 600-639 |
8.50% |
9.00% |
9.50% |
10.00% |
10.50% |
| D 550-599 |
11.00% |
11.50% |
12.00% |
12.50% |
13.00% |
| E<549 |
14.50% |
15.00% |
15.50% |
16.00% |
16.50% |
USED VEHICLES OLDER THAN 5 YEARS
For older vehicles the length of loan term and the interest rate will be determined by the value of the vehicle as follows:
| TIER/FICO |
36 MONTHS |
48 MONTHS |
60 MONTHS |
| A+>730 |
7.50% |
8.00% |
8.50% |
| A 680-729 |
8.50% |
9.00% |
9.50% |
| B 640-679 |
9.50% |
10.00% |
10.50% |
| C 600-639 |
11.50% |
12.00% |
12.50% |
| D 550-599 |
14.00% |
14.50% |
15.00% |
| E<549 |
16.50% |
17.00% |
17.50% |
Funds can be made available for automatic payment by the following methods:
- Active firefighters and retirees can have the required amount withheld from their checks.
- Anyone who has sufficient funds on deposit in their regular share account on the 15th of the month will qualify. The funds may be deposited by any means including direct deposit from their employer (if available), direct deposit from their bank, by check or cash deposit or by maintaining a sufficient balance in their regular share account.
| RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE |
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