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LOAN RATES

Vehicle Loans

The credit union finances new and used cars and trucks with very competitive rates. Compare our used vehicle rates against the competition. We think you'll agree.

Check out our payment calculator for the approximate payment on a loan with us. And don't forget, Life Insurance, Credit Disability Insurance and Gap or Gap Plus Insurance are all available at a reasonable additional cost.

CWV TEL requires full coverage insurance on any vehicle used to secure a loan with us.

Call LaDonna or Shannon at 623-6800 or 800-344-6636 for more information or to apply for a loan.

New Cars and Trucks

On new cars and trucks you can borrow 90% of the sale price for the rates listed. Add .5% if you want to borrow 100% of the sale price and subtract 1% if you are borrowing less than 50% of the sale price.

The maximum term on new vehicles is determined by the sale price.
sale price up to $16,000 - maximum 48 months
$16,000 - 22,500 - maximum 60 months
Over 22,500 - maximum 72 months

Already purchased that new vehicle but did not finance it here? Good news! We will refinance it for you at our new car rates if you apply with us within 90 days of the date of purchase.

Used Cars and Trucks.

We loan the trade-in value or the retail value listed in the NADA Guide book for used cars and trucks up to 10 years old. You can check out NADA's web page for approximate values or call the credit union to find the values. Check out a CARFAX report before purchasing a used vehicle. The report will list each time the title has changed hands, if the vehicle has been totaled, if the lemon law has been applied, or the vehicle has been in a flood. You will need to use a credit card if you order this report on-line but you can call the credit union office with the serial number and we will pull the report for $10. If you finance the vehicle at our credit union we will refund this $10.