Loan Rates
PERSONAL UNSECURED LOANS & LINES OF CREDIT
$1,000 - $50,000

NEW VEHICLE LOANS
24 months
36 months
48 months
60 months
72 months
84 months

USED VEHICLE LOANS
24 months
36 months
48 months
60 months

VISA SECURED
$1,000 - $50,000

VISA CLASSIC
$1,000 - $50,000

VISA GOLD
$1,000 - $50,000

OVERDRAFT LINE OF CREDIT
$1,000 - $50,000
              Rate*     APR**

9.20%9.20% 


2.15%2.15%
2.40%2.40%
2.65%2.65%
2.90%2.90%
3.15%3.15%
3.40%3.40%


2.65%2.65%
2.90%2.90%
3.15%3.15%
3.40%3.40%


14.90%     14.90%


13.40%     13.40%


9.90%9.90%


10.25%     10.25%
*Rates are based on a credit score of 700 with additional discounts of 0.25% for having paid a minimum of 3 bills utilizing our free online bill pay service prior to funding, 0.25% for automatic payments, 0.50% for having 100% of your check directly deposited into your VA Desert Pacific FCU account, 0.50% for a 20% down payment on a new vehicle or for financing 80% of the wholesale value for a used vehicle, 0.25% for having paid a vehicle loan with the credit union within the last 12 months and 0.50% for utilizing our free auto buying service.

For vehicle loans, you pay $3.46 for every $1,000 financed at a rate of 4.15%.

For personal loans, you pay $7.67 for every $1,000 financed at a rate of 9.20%.

**APR = Annual Percentage Rate

All loan amounts and terms subject to credit approval.
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