Loan Rates

Find the right loan for you.
Save on your car loan

Save on your car loan today!

Switch to valwood and save up to $2,000!

Apply On-Line! Qualifying is quick and easy. Our great rates and friendly service will help you get the car you have been dreaming of!

Once you apply, our loan officers can quickly provide you with an exact rate quote.

Our normal loan rates are shown below.

The rates shown below are the lowest available rates offered for the listed loan types with all discounts applied. All rates listed below are Annual Percentage Rate (APR).

New Auto - Below 90% MSRP

New Auto - Below 90% Of MSRP

As low as:

2 yrs. 2.50 % APR
3 yrs. 2.55 % APR
4 yrs. 2.75 % APR
5 yrs. 2.75 % APR
6 yrs. 3.50 % APR

 

New Auto - Above 90% MSRP

New Auto - Above 90% Of MSRP

As low as

2 yrs. 2.75 % APR
3 yrs. 2.75 % APR
4 yrs. 3.00 % APR
5 yrs. 3.00 % APR
6 yrs. 3.50 % APR

 

2017-2013 Under Five Years Old

2017 - 2013 (Under Five Years Old)

As low as

2 yrs. 4.25 % APR
3 yrs. 4.75 % APR
4 yrs. 4.75 % APR
5 yrs. 5.00% APR
6 yrs. 5.50 % APR

 

2012 & Older (Over Five Years Old)

2013 & Older (Over Five Years Old)

Please cal our Loan Department for a quote.
Motorcycles / Recreational Vehicles Loans

Motorcycles / Recreational Vehicles / Boats / Motor / Travel Trailers

As low as

3 yrs. 4.75 % APR
5 yrs. 5.25 % APR
7 yrs. 6.50 % APR
12 yrs. 7.50 % APR
Signature Loan - 36 Months ( no collateral )

Signature Loan - 36 Months ( no collateral )

As low as

Up to 3 yrs. 7.75 % APR

Listed Rates

The above listed rates are the lowest available rates offered for the listed loan types with all discounts applied. Please call for rates on other types of loans such as Home Equity.

Discounts Requirement

0.15%

Auto Payment or Payroll Deduction ( without a Checking Account )

0.25%

Direct Payroll Deposit to a Checking Account with Auto Deduction

0.20%

Down Payment of 10% ( or greater )

0.10%

For a Member in good standing with over 10 yrs. with Valwood

0.10%

If Extended Warranty and GAP insurance added to loan

*** Discounts do not apply to promotional Loan Specials ***

*** Maximum loan discount available is 0.25% ***

Requirements for the lowest rate also include that a member has a Beacon Score in the “A” range. Other requirements apply according to the loan type requested. Your actual rate is based on several factors such as: credit score, term, and collateral value.

BEACON SCORE RANGES
A 700 and up
B 699 – 640
C 639 – 600
D 599 and below

* Rates and Tier Ranges Subject to change without notice

Disclosure: This information is intended to be used as a guideline in determining your interest rate.

Note: Rates are subject to change without notice. Rates, terms and conditions may vary based on an individual’s credit worthiness as well as the underwriting guidelines of the credit union. Your actual rate will be determine by credit union staff.

All rates listed above are Annual Percentage Rate (APR)

Certain conditions apply to the “Skip A Payment” option. Effective March 1st ( 03.01.2018) there will be a $15.00 fee per loan for a payment extension. Contact a loan officer for details.

Buying a Car?

If you are buying a car thru a dealer, please ask them to fax us a worksheet / buyer’s order to:
(972) 242 – 1661
.

 

The dealer can also email us at: vpfcu@valwoodpark.com. Discounts do not apply to promotional Loan Specials.

Apply On-Line!

Qualifying is quick and easy. Our great rates and friendly service will help you get the car you have been dreaming of!

*Annual percentage rate. Membership and credit eligibility required. Actual rates vary based on credit history and term. Examples: Monthly payments for an average truck purchase price of $33,831 are approximately $596.24 at 2.49% APR for 60 months and $626.87 at 4.37% APR for 60 months.