Auto
WE STRIVE TO MAKE THE AUTO BUYING EXPERIENCE A PLEASANT ONE. WE WORK WITH DEALERSHIPS AS WELL AS WHEN THERE ARE INDIVIDUAL SALES. SINCE WE HAVE A NO COST APPPLICATION AND QUICK APPROVAL WE RECOMMEND YOU APPLY FOR PRE-APPROVAL BEFORE SHOPPING. WITH LOW INVENTORY OF AUTOS WE HAVE SEEN VALUES OF AUTOS INCREASE AND THAT MEANS HIGHER PRICE VEHICLES AT THE DEALERSHIPS. WE ARE ALSO SEEING CONDITIONS OF PURCHASING AT DEALERSHIPS SO IF YOU HAVE ANY QUESTIONS WE WILL BE MORE THAN HAPPY TO ANSWER THEM. REMEMBER, WE DO REFINANCING OF RECENTLY PURCHASED VEHICLES IF REQUIRED DEALERSHIP FINANCING IS ONE OF THOSE CONDITIONS. WE APPRECIATE YOUR BUSINESS, WE VALUE YOUR MEMBERSHIP AND WE ALWAYS LOOK FORWARD TO BEING ABLE TO SERVE YOU THE BEST POSSIBLE WAY WE CAN.
| Auto Loans | Duration | APR* | Additional Terms / Conditions |
|---|---|---|---|
| 2023 And Newer | Up to 72 Months | 7.25% | 7.50% (73-84 months / min $20K) |
| 2021 - 2022 | Up to 72 Months | 7.50% | 7.75% (73-84 months / min $20K) |
| 2015 - 2020 | Up to 60 Months | 8.25% | 8.75% (72 months/min $10K) |
| 2014 and Older | Up to 48 Months | 9.99% | 11.99% (49-60 months/min $10K) |
| Other Vehicle | Duration | APR* | Additional Terms / Conditions |
|---|---|---|---|
| Motorcycle / Boat / Camper / Water Craft | Add Additional 3.00% to Auto Rate | Same Terms / Conditions as Auto Rate | |
| Small Business Loans** | Household Type Vehicles | Same as Auto Rate | Same Terms / Conditions as Auto Rate |
| Commercial Auto Loans** | Add Additional 2.00% to Auto Loan Rate | Same Terms / Conditions as Auto Loans |
On all Model Years: Add 1.00% if refinance of St. James loan with less than $5K new funds.
*Additional Limitations And Restrictions Apply. Contact the Credit Union.
Example payment: 60 month fixed rate monthly payment at the quoted rate
of 7.25% would be 60 monthly payment of $199.20 per $10,000 borrowed.
Vehicle History Report
The CARFAX™ Vehicle History Report is the industry standard, delivering more insight into a vehicle's history than any other source. If you are purchasing a car and the dealership does not provide one to you, you can order one through us. If you are selling a car, a CARFAX™ report may help attract buyers and get you a higher sale price. The cost is only $30.00. Call the credit union at 513-385-5921 if you are interested in obtaining a report.
FREE Credit Report
Get a free copy of your credit report every 12 months from each credit reporting company.
NADA Guides
Here you will find lots of helpful information on new and used cars, boats, motorcycles, RVs and more! Get pricing, insurance quotes, and much, much more.
EPA Green Vehicle Guide
What’s new in fuel efficiency? Visit the Environmental Protection Agency’s web site to find out.