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84 MONTH AUTO LOANS

Electrical Worker’s #22 Federal Credit Union is offering 84-month auto loans. Financing your new vehicle for a maximum of 84 months allows you to spread your payments out over the longer term and reduce the size of your monthly payment. We are also offering used auto loan financing for up to 72 months at reduced rates.

See us for details and see how the Credit Union is making your new auto loan more affordable.

Auto Loans – EFFECTIVE November 16, 2023
[Rates Subject To Change Without Notice. Rates cannot exceed the maximum allowed by law.]

Vehicles with 100,000+ in mileage add 1.00% to rate.  Electrical Workers #22 Federal Credit Union does not loan on salvaged titles.

Loan Rates for New & Used Vehicles, 2023-2015  (download loan fee schedule)

Vehicle Rate Schedule - NEW Vehicles

Vehicle Rate Schedule - NEW Vehicles
Model YearTermAAA
850-781
A
780-661
B
660-601
C
600-551
D
550-300
2025-202448 months
60 months
72 months
84 months
5.25%
5.50%
6.00%
6.25%
6.50%
7.00%
7.50%
8.00%
8.50%
8.75%
9.00%
9.25%
10.75%
11.00%
11.75%
12.00%
12.50%
12.75%
13.25%
13.50%

Vehicle Rate Schedule - USED Vehicles

Vehicle Rate Schedule - USED Vehicles
Model YearTermAAA
850-781
A
780-661
B
660-601
C
600-551
D
550-300
2024-202148 months
60 months
72 months
84 months
5.25%
5.50%
6.00%
6.25%
6.50%
7.00%
7.50%
8.00%
8.50%
8.75%
9.00%
9.25%
10.75%
11.00%
11.75%
12.00%
12.50%
12.75%
13.25%
13.50%
2020-201848 months
60 months
72 months
7.25%
7.50%
8.00%
8.75%
9.00%
9.50%
10.75%
11.00%
111.50%
12.75%
13.00%
13.50%
14.75%
15.00%
15.50%
2017 & Older48 months
60 months
8.75%
9.00%
10.50%
10.75%
12.00%
12.25%
14.25%
14.50%
16.75%
17.00%

Vehicle Loan Sample Rates

2024-2025 & New Vehicles
Membership minimum balance of $25 required.
YearAPRApproximate Monthly Payment Per $1,000TermSecurity
New (2025-2024)As low as 6.50%*$23.7112-48 MonthsTitle/Ins
New (2025-2024)As low as 6.75%*$19.6860 MonthsTitle/Ins
New (2025-2024)As low as 7.00%*$17.0572 MonthsTitle/Ins
New (2025-2024)As low as 7.25%*$15.2284 MonthsTitle/Ins
Rates subject to change without notice and with approved credit. Payment Example: On a $25,000.00 new auto loan, 60 month term with 6.500% APR, the monthly payment would be approximately $489.15. *For vehicles with 100,000+ in mileage add 1%.

Used Vehicle Loan Sample Rates

2017-2020 & Older Vehicles
Membership minimum balance of $25 required.
YearAPRApproximate Monthly Payment Per $1,000TermSecurity
Used 2018-2020As low as 8.00%*$24.2148 MonthsTitle/Ins
Used 2018-2020As low as 8.25%*$20.4060 MonthsTitle/Ins
Used 2018-2020As low as 8.50%*$17.7872 MonthsTitle/Ins
Used 2017 & OlderAs low as 10.00%*$25.3648 MonthsTitle/Ins
Used 2017 & OlderAs low as 10.25%*$21.3760 MonthsTitle/Ins
Rates subject to change without notice and with approved credit. Payment Example: On a $15,000.00 vehicle loan, 60 month term with 8.25% APR, the monthly payment would be approximately $303.85. *For vehicles with 100,000+ in mileage add 1%.