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consumer vehicle loans

  Effective September 13, 2013

 

Member Loyalty Rate Guarantee

For our most loyal and creditworthy members with an active checking account5 and one other open/active credit union product6 whose FICO score is 720 or greater, we promise to meet any consumer vehicle loan (car, truck, boat, motorcycle, camper, ATV) financing from any Hillsborough County (or nearby) financial institution or automobile dealer. If we are unable to meet the offer, we will pay $50.00 to the qualifying member. Certain restrictions apply7.

Rates

 

Term

NEW

APR*

as low as

USED

APR*

as low as

Auto 1

 

 

 

36 Months

1.99%

2.99%

48 Months

1.99%

2.99%

60 Months

1.99%

2.99%

72 Months

1.99%

 

84 Months

2.99%

 

Harley Davidson Motorcycles2

36 Months

1.99%   

48 Months

1.99%  

60 Months

1.99%  

72 Months

2.99%  
Motorcycles- All Non-Harley Makes3

36 Months

5.49%  

48 Months

5.49%  

60 Months

5.49%  

72 Months

6.49%  

Campers, Boats, RVs, Jet Skis, ATVs 4

  

 

 

36 Months

6.50%

 

48 Months

6.50%

 

60 Months

6.50%

 

72 Months

6.50%

 

84 Months

7.50%

 

  

1New purchases and refinances from otherFor Business vehicles titled in Business name, add 2% to above rate (consumer type vehicle). First Time Auto Buyer Program- rates 2% increase in APR.

2For Harley Davidson Brand Motorcycles only. Terms over 72 month only on loans $20,000 or higher. No age limitation.  

3Terms over 60 months only on loans $30,000 or higher. Models up to 5 years. 

4 RV's Jet Skis, ATVs - Loan terms up to 72 months. Boats up to 120 months. RVs up to 180 months.

5Active checking with Direct Deposit or minimum of 12 debit or draft transactions.

6Other product does not include primary or special savings account.

7Must be pre-approved for an auto loan with Tampa Bay Federal Credit Union. The Member Loyalty reward is good for new and used auto loans we offer at time of approval. Promotional discount financing from automobile manufacturers (e.g. GM, Toyota, Honda, Chrysler Credit, etc.) is excluded. This Guarantee is based on interest rates from local competitors with similar conditions, terms, and down payments.

 

*Annual Percentage Rate.  All rates are quoted with automatic payment discount. If cash payment, increase rate by .25%. Actual rate will depend on creditworthiness. Rates subject to change.