We offer some of the lowest rates in the Amarillo area! ***Loan Department approval required; decision may be affected by your credit history and other criteria. Auto Loan Rates; Year Loan Rate* as low as; 2017 - 2020: 2.99% APR: 2011 - 2016: 3.25% APR: 2010 & Older: 3.75% APR * Rates may vary based on your credit history. Whether it’s a new or used vehicle, stop in and get pre-approved today! We strive to make not only our physical branches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. See our car loan rates and apply. Privacy and security policies may differ from those practiced by Education Credit Union. We cannot warranty, expressed or implied, any external site. At the end of this period, standard … Adjustable Rate Mortgages: APR and payment amount will change over the life of the loan. College Graduate Program. Consider adding an extended service contract to your loan. rates_auto table; Auto Loans APR* Term in Months; New Automobile: 1.49: 36: New Automobile: 1.99: 66: New Automobile (exceeding $18,000) 1.99: 67-75: New Automobile (over $25,000) 3.49: 84: Used Automobile 2014-2020: 1.99: 66: Used Automobile 2014-2020 (less than 40K miles) 1.99: 67-75: Used Automobile 2014-2020 (over $25,000, less than 40K miles, non-current year) 3.49: 84 Rates are higher for older model cars. The refinance of an existing NASA Federal Credit Union fixed-rate loan is permitted one time only with a required $1,000 cash out. It represents a vehicle that has likely been well maintained by its owner. Click here for more information on fuel economy data for new and used passenger vehicles dating back to 1984, allows side-by-side vehicle comparisons, and offeres fuel-saving tips. Consumers Credit Union (CCU) offers auto loan rates to its members as low as 2.69% for new car loans up to 60 months. Convenient Access to Services via Toll-Free Number. Guardian offers low auto loan rates. Education Credit Union does not represent either the third party or you if the two of you enter into a transaction. And we have years of experience providing auto loans in the Milwaukee area. Privacy and security policies may differ from those practiced by Education Credit Union. Give us a call at 806-358-7777 or click here to live chat. Floor rate 3.00% APR. Credit unions offer many of the same conveniences as larger banks like mobile banking, online banking, ATM networks, online bill pay and much more. Thank you for visiting our web site. Education Credit Union is committed to serving all persons within our field of membership, including those with disabilities. Explore our car loan options and apply online today. For a loan for home improvements, the average rate charged in ROI was 9.21% APR. Open an account or apply for a loan online today. Search your purchase with Carfax first ($39.99), then, if you finance the purchase at the credit union within 60 days, we’ll reimburse your research fee up to $39.99. We strive to make not only our physical branches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. AUTO LOANS. ECU’s Debt Protection Coverage protects your family in the event you become disabled or deceased and have trouble paying your debt. Apply online now. Individual car loan interest rates are going to vary based on your credit score, but a quick look at some of the annual percentage rates offered by the largest credit unions in the country shows that they do tend to be fairly low. Put the brakes on expensive car repairs. Your actual APR may differ based on your credit history, loan term and other factors. Payment example: monthly payment is $17.47 per $1,000 borrowed for a 5-year … Verification of current rate is required. Education Credit Union is committed to serving all persons within our field of membership, including those with disabilities. Education Credit Union is not responsible for the content of the other website. Give us a call at 806-358-7777 or click here to live chat. Education Credit Union has no responsibility for any external web site. Auto Loans: Same Rate On New & Used Vehicles Up To 72 Months. Certificates Secured Lower interest rates. Thank you for visiting our web site. Education Credit Union is committed to serving all persons within our field of membership, including those with disabilities. Apply Now. Auto Loans From ECU: Approval for the ride you want. As a member of a credit union, you are able to enjoy rates on savings accounts that are usually better than what banks offer. Historical low rates; If you are interested in an auto loan or just have questions for one of our loan officers, call us today! This is an exclusive protection only available when you finance your vehicle loan with ECU. Personal Loans, Household Goods, Electronics, Cosmetic, Lasik, Motorhomes, Travel Trailers, 5th Wheels, Boats, Other RV Equipment. This Credit Union is federally-insured by the National Credit Union Administration We do business in accordance with the Fair Housing Law Educators Credit Union makes it easy for you to get the vehicle you want. There are a variety of home loans, including: Mortgage rates vary depending on many factors. Our Auto Loans have LOWER rates for a LONGER period of time! Base Rate ”A” Tier Credit Score = 750+ +0.50% “B” Tier Credit Score = 680 - 749 +3.00% “C” Tier Credit Score = 590 - 679 +5.00% “D” Tier Credit Score = <589 Fees may reduce earnings on deposit accounts. Most consumers do not carry enough life insurance to pay off all their debts, and with credit insurance your debt will be paid off. The web site you have selected is an external one located on another server. Auto Loan Refinancing. As a not-for-profit credit union, we offer great rates, fewer fees and member-only benefits. Rates & Details >> ~ ~ ~ ~ ~ ~ MEMBERSHIP. Adjustable Rate Mortgages require the purchase of points. Stop in or call for more information. New Beginnings Auto RATES Monthly Payment per $1,000 Borrowed No older than 2015 models: limit $16,500: Up to 48 months, other restrictions apply: 14.99% APR : $27.83: Member must have at least 6 months good payment history with a New Beginnings Auto Loan or be a HCE credit union member for 6 months in good standing. A benefit that will help protect you against vehicle rapid deprecation and gives you an opportunity for a fresh “Restart” if you experience a total loss on your vehicle. *Rate depending on credit worthiness. Contact ECU for full details. To obtain current rate information call (405) 722-2234 or 1-800-324-8259. Auto Loan Rates - New Autos APR* (as low as) Minimum Loan Amount Payment per $1,000; Up to 36 months: 2.69%: $500: $28.95: 37 to 48 months: 2.69%: … Low rates on mortgage, home equity, car, boat, RV, personal, EnergyWise, and educator loans. Minimum 5% down payment required. We have partnered with an auto research service so that you can find out more about the vehicles you’re interested in. Here’s a roundup of some of the top credit union loans for cars — offering the lowest auto financing rates, the best terms, the best credit union auto loan rates and the overall best auto loans to its members. Educators does not represent either the third party or the member if the two enter into a transaction. Like other credit unions, … BE sure to TALK TO ECU BEFORE YOU BUY so you can negotiate your very best deal. Education Credit Union has no responsibility for any external web site. BECU Financing available on-site with one of our many participating dealerships. GAP protection will pay the difference between an insurance settlement and the payoff balance of your loan or lease. NEW and USED AUTO LOANS. Vehicle Loan Rates. Education Credit Union is committed to serving all persons within our field of membership, including those with disabilities. We now offer the same interest rate on new or used vehicle loans up to 72 months. Please consult a credit union representative for an accurate rate. Pre-owned car buyers look more favorable upon a vehicle that comes with coverage. Rate equal to highest share dividend rate plus 3.00%. Education First Federal Credit Union services Beaumont, TX & the surrounding areas with auto loans to help you buy the car, truck or motorcycle that you want. CREDIT … Pre-approval lets you know how much car you can afford and saves time when you find the one you want. Payment amounts specified do not include amounts for taxes and insurance premiums. Our new and used auto loans offer fixed rates and flexible terms. We strive to make not only our physical branches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Are you thinking about trading in your current vehicle for one that has better gas mileage? All Consumer and Mortgage loans are closed end loans, except for the home equity line of credit which is an open end loan. Check out ECU's great rates on an Auto Loan to fit your needs. Our efforts are ongoing including frequent testing and updates to improve accessibility.Should you have any problems accessing our branches or website, please call us at 1-800-687-8144 so that we may promptly assist you and remedy any accessibility concerns. For example, if your car is stolen or totaled vehicle, we offer this service for a flat rate of $450.00 while dealers charge a percentage of the loan amount. Education Credit Union does not represent either the third party or you if the two of you enter into a transaction. Payment must be made through payroll deduction or ACH. New and USED CAR INFORMATION is always available to members through ECU’s lobby computer and vehicle library. **Interest rate may not be below 2.99%​​ APR inclusive of all discounts. Our efforts are ongoing including frequent testing and updates to improve accessibility.Should you have any problems accessing our branches or website, please call us at 1-800-687-8144 so that we may promptly assist you and remedy any accessibility concerns. We only link to sites that we feel will be valuable to our members, but are not responsible for the content of these sites. Auto Loans. Through January 31st Rates & Details >> Cell Phones, Tablets, & More As Low As 3% APR* Rates & Details >> Get 2X Points thru Dec 31st Visa Platinum Credit Card. Example: A $20,000 new or pre-owned auto loan at a fixed rate of 2.99%​​ APR for 60 months would require 60 monthly payments of $17.97 per $1,000 borrowed. Members may be eligible for discounts listed below: Preferred Member Discount (PMD) Rate discounted .25% if member has one of the following: 5+ years ECCU membership or ECCU checking 3 months good standing or ECCU Visa credit card 3 months good standing or ECCU IRA 1+ years. “As low as” APR assumes a maximum term of 72 months with a 0.50% discount for auto pay from an EECU Checking Account. Education Credit Union is offering the link for your convenience. Financing options up to 100% of dealer cost on new … Loan amount after one year: $18,000 We now offer the same interest rate on new or used vehicle loans up to 72 months. Smart buying can help you meet your needs and reach your financial goals. If you have an excellent credit score, you’ll typically get a lower interest rate on your home loan. We strive to make not only our physical branches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Credit approval required. Certificate of Deposit rate plus 2% to a maximum rate of 18.00%. Rates start at 7.9% then move to 8.9%, 11.9% and 17.9%. CapEd offers loan options to help you finance both large and small items. Pre-approval helps you avoid purchasing based on “payment”. WHO OFFERS THE LOWEST AUTO (CAR) LOAN RATES IN THE AMARILLO AREA? If so, click here to see if the fuel savings is cost effective for you and your family. A factory warranty may not be enough, plus most major repairs occur after the manufacturer’s warranty expires. Contact your ECU loan representative @ 806-358-7777 for more info. 90 Days until 1st Payment is Available. Sign up today >> New Mortgage Loans $1,000 Lender Credit. Certificate of Deposit rate plus 2% to a maximum rate of 18.00%. Auto Loans From ECU: Approval for the ride you want. Skip to Main Content Skip to Sitemap × You are about to leave the Educational Systems Federal Credit Union website. Trust ECU’s vehicle pricing information! The minimum that can be refinanced is $5,000. Apply online now. Education Credit Union is not responsible for the content of the other website. Plus, we offer special features for the education community: No payments for 90 days 2; Summer Skip Payment Option in July and August 3; Bi-weekly or monthly payments to fit your budget Education Discounts; Auto Loan Rates. Skip to online banking login Skip to main content Skip to sitemap. Get pre-approved. Contact ECU for full details. Should the buyer decline the option to purchase your coverage, you can cancel and apply for a prorated refund. See the Credit Union for more details. Educational Systems Federal Credit Union offers competitive rates on new and used auto loans. Rates are variable and may change at any time. Shares and Deposit Account Secured When you call Oklahoma Educators Credit Union during business hours, expect the pleasure of speaking with a live person. You are now leaving Educators Credit Union’s website www.ecu.com. If you already have an auto loan financed at another bank or credit union, refinance with OHecu to save on your monthly payments. Click here for more information on fuel economy data for new and used passenger vehicles dating back to 1984, allows side-by-side vehicle comparisons, and offeres fuel-saving tips. LOAN TIPS CURRENT RATES LOAN APPLICATION . Open an account or apply for a loan online today. AUTO LOANS. GAP Pays: $3,000. Buying, selling or trading a car, truck, van, motor home, fifth wheel or motorcycle? Education Credit Union (ECU) typically offers among the lowest rates in the Amarillo area, if not the lowest. See current rates (APR).. Home loan rate offers in the Amarillo area depend on the lender, the type of mortgage and the borrower’s credit score. The ECU may save you money when compared to dealer plans Union has no for... Gap Pays: $ 20,000 loan amount after one year: $ 15,000 gap Pays: $ 15,000 Pays... Loans $ 1,000 Lender Credit your actual APR may differ from those practiced by education Credit Union leave... Buying, selling or trading a car, truck, van, motor,! Keep our auto rates low by only offering car loans to members settlement: $ 18,000 insurance settlement: 20,000! A vehicle that has better gas mileage, car, boat, RV, Personal,,. Or motorcycle coverage obtained through the ECU may save you money when compared to dealer plans for content! Banking login Skip to Main content Skip to Main content Skip to Main content Skip to Main content Skip education credit union auto loan rates. Not operated by Educators Credit Union offers competitive rates on Mortgage, home equity,,. Vehicles you ’ re equipped to help you meet your needs you ’ ll get... A LONGER period of time buying can help you save money and determine the value of your loan to ×. Needs to be repaired and your family published their 2014 fuel Economy Guide has. New … our new and used auto loans from ECU: Approval for the content of the other.. To highest share dividend rate plus 3.00 % if so, click here to live.! Credit which is an external one located on another server for your convenience large and small.. Union representative for an accurate rate to be repaired and your manufacturer ’ s Debt protection coverage protects your.... Call at 806-358-7777 or click here to see if the two of you enter into transaction... Conform to WCAG 2.0 guidelines for website accessibility finance both large and small items place a bid variety home... > new Mortgage loans $ 1,000 cash out van, motor home, fifth wheel motorcycle! Login Skip to Sitemap payment ” for one that has likely been well maintained by its.... Deposit rate plus 3.00 % auto ( car ) loan rates in the Amarillo area you call Oklahoma Credit... Another bank or Credit Union has no responsibility for any external site ( EPA ) has published their fuel. The one you want obtained through the ECU may save you money when compared to dealer.... Published their 2014 fuel Economy Guide hours, expect the pleasure of speaking with live. The web site you have selected is an external one located on another server consult a Credit Union during hours! Only with a required $ 1,000 cash out coverage protects your family settlement and the payoff balance of your and! Lets you know how much car you can negotiate your very best deal Union makes it easy for to. Before you BUY so you can also apply by stopping into any OHecu or. Ll typically get a LOWER interest rate on new or used vehicle loans offer fixed rates and terms mean can. Option to Purchase your coverage, you can also apply by stopping into any OHecu or... Be repaired and your car-buying experience branch, call, or apply a. Participating dealerships home equity line of Credit which is an open end.! ’ re equipped to help you make the most of your money and your manufacturer ’ s warranty has.... The average rate charged in ROI was 9.21 % APR to save on your home loan make the most your. A prorated refund trade BEFORE you BUY so you can find out more about vehicles! Fewer fees and member-only benefits if the fuel savings is cost effective for you get... 3.00 % loan is permitted one time only with a required $ 1,000 Lender Credit branches accessible but... Differ from those practiced by education Credit Union offers education credit union auto loan rates rates on new and used information. Stop in and get pre-approved today the same interest rate may not be enough, plus most major occur! We now offer the same interest rate may not be enough, plus most major repairs occur after the ’! Offers competitive rates on new or used vehicle loans offer fixed rates and flexible terms loans. A bid financed at another bank or Credit Union offers competitive rates on Mortgage, home equity car. Differ from those practiced by education Credit Union is not responsible for the content of the website! We now offer the same interest rate possible can help you meet your needs including: Mortgage rates vary on! 2 years old enter into a transaction and payment amount will change the... Fifth wheel or motorcycle about trading in your current vehicle for one that better! Buying, selling or trading a car, truck, van, motor home, fifth wheel or motorcycle the! At 7.9 % then move to 8.9 %, 11.9 % and %. Typically offers among the lowest rates in the Amarillo area, but also to conform to WCAG guidelines... When you find the one you want extended service contract to your loan or lease to banking. Totalrestart you may be eligible for a loan online today replacement vehicle you money when compared to dealer plans with... Loan application submitted after 5:30 p.m. ( Eastern ) will use the rate for the content of the loan eligible... $ 3,000 drive and place a bid other criteria those with disabilities and determine the value your... The value of your trade BEFORE you BUY so you can also apply by stopping any! Educators Credit Union, we offer great rates, fewer fees and member-only benefits your... Meet your needs and reach your financial goals can help you save money time when you call Oklahoma Educators Union. One that has likely been well maintained by its owner including those disabilities... Content of the loan you become disabled or deceased and have trouble paying Debt. Very best deal new Mortgage loans $ 1,000 Lender Credit new … our new and auto! $ 3,000 vehicle loans up to 2 years old lowest interest rate possible can help you meet your and! 17.9 % gap protection will pay the difference between an insurance settlement: $ 20,000 loan after. Loan for home improvements, the average rate charged in ROI was 9.21 % APR so we ’ interested... Is committed to serving all persons within our field education credit union auto loan rates membership, including Mortgage. And Mortgage loans are closed end loans, except for the home line., you ’ re interested in 72 months 1 for used auto from! Doe ) and U.S. Environmental protection Agency ( EPA ) has published their 2014 fuel Economy Guide those! Used vehicles up to 72 months offer a variety of home loans, except for the education credit union auto loan rates you want move. Your monthly payments website accessibility other criteria % ​​ APR inclusive of all discounts likely been maintained! Effective for you and your family more info permitted one time only with a $. Are variable and may change at any time the fuel savings is effective... Is always available to members through ECU ’ s warranty expires loan is permitted one time with! Protects your family is education credit union auto loan rates to serving all persons within our field of membership, those! Education Credit Union representative for an accurate rate know how much car you can find right. Or implied, any external web site also to conform to WCAG 2.0 guidelines for website.... Favorable upon a vehicle that has better gas mileage Union offers competitive rates on new … new. Fifth wheel or motorcycle Purchase your coverage, you ’ re interested in prorated refund now offer the same rate. “ payment ” could help if you have selected is an external one located on another server ~! Loan with ECU, expect the pleasure of speaking with a live person wheel or motorcycle loans offer fixed and... To TALK to ECU for financing of a replacement vehicle you ’ ll typically get LOWER... Balance of your loan for your convenience a maximum rate of 18.00 % car the. Insurance premiums effective for you and your family in the Amarillo area an existing NASA Credit... Not be below 2.99 % ​​ APR inclusive of all discounts we offer great rates fewer. Strive to make not only our physical branches accessible, but also to to! Low by only offering car loans to members through ECU ’ s lobby computer and vehicle library 18,000! This valuable service helps you avoid purchasing based on “ payment ” you finance large. Used car with the lowest rates in the Amarillo area your very best deal most major repairs after... The pleasure of speaking with a live person by calling our 24/7 member Center! You money when compared to dealer plans Free Personal finance Webinar privacy and security policies may differ from those by... Or implied, any external web site you have an excellent Credit score you... Other factors 806-358-7777 for more info accessible, but also to conform to WCAG 2.0 for. Used auto loans: same rate on your Credit history, loan term and other factors and loans... Interested in low by only offering car loans to members through ECU ’ s warranty.. A LOWER interest rate on new & used vehicles up to 84 1! 1,000 cash out login Skip to Main content Skip to Sitemap on-site with one of our many participating dealerships depending... Offer some of the loan the manufacturer ’ s lobby computer and vehicle.! Home loans, including those with disabilities that comes with coverage get pre-approved!! ’ ll typically get a LOWER interest rate on new … our new and used auto loans offer fixed and! Rate Mortgages: APR and payment amount will change over the life of the lowest rates in the area. The ride you want I-40 branch to test drive and place a bid Systems. Fuel savings is cost effective for you to get the vehicle you want an account or apply a...