(949) 588-9400 www.EagleCU.org
CONSUMER LOAN RATES
Effective May 21, 2024
!VEHICLE LOANS!
!Term Financing !Term Financing
Up to 60 Mo Up to 120% Up to 60 Mo Up to 120%
61 - 72 Mo Up to 120% 61 - 72 Mo Up to 120%
73 - 84 Mo Up to 120% 73 - 84 Mo Up to 120%
!Term Financing !Term Financing
!Up to 48 Mo Up to 100% Up to 60 Mo Up to 100%
49 - 84 Mo Up to 100% 61 - 72 Mo Up to 100%
73 - 84 Mo Up to 100%
!Term Financing !Term Financing
!Up to 48 Mo Up to 100% Up to 72 Mo Up to 100%
60 - 84 Mo Up to 100% 73 - 84 Mo Up to 100%
PERSONAL LOANS
CREDIT CARDS
APR* Range Annual Fee
APR* Range Annual Fee
12.50% - 21.90% $0 12.99% - 24.49% $0
APR* Annual Fee
13.90% $0
SECURED LOANS
Term Financing
!Term Financing
Up to 60 Mo 100% Term of Deposit 90%
*APR=Annual Percentage Rate. Your APR is determined by your credit qualifications. All rates quoted DO NOT include the rate discounts available. Vehicle loans up to 1.00%: 0.25%
for auto from Eagle checking, 0.50% for loan loyalty, (having a prior Eagle loan) and 0.25% for 80% or less LTV. Personal Loans are up to 0.75%: 0.25% for auto from Eagle checking
and 0.50% for loan loyalty, having a prior Eagle loan. Rates will increase by 1% for vehicles over 5 years and 2% for vehicles with over 100,000 miles. The rates listed above are
current as of the effective date and are not intended to be inclusive or a commitment of the pricing for which you may qualify. The loan and accompanying interest rates, points, and
APR you may qualify for are based on your credit history, loan-to-value, occupancy, property type, loan amount, loan purpose, and income/financial obligations. All loans are subject
to a minimum credit qualifying score. Interest rates, points and APRs are subject to change without notice. Financing percentages reflect maximum amounts, and, in some cases, you
may not qualify for maximum financing. Auto financing up to 120% includes taxes, license and insurance for qualified borrowers up to 120% of MSRP for new cars and 120% of the JD
Power value, Carfax or Kelley Blue Book for used cars. All other vehicles financing up to 100%. Maximum loan amount is $125,000 on Autos. Members cannot exceed over $25,000 on
unsecured loans with Eagle. No application fees on consumer loans. Energy Loan processing and third-party fees apply. Fees vary by product and contractor/vendor relationship.
Fees may not be waived. No annual fee/prepayment fee or penalty. Late fee = 3% of payment after 10 days ($5 minimum). Energy Loans require a signed copy of the invoice/contract
and all required permits must be in place in order to fund. Work must be performed by Eagle approved contractors. Property must be owner-occupied primary residence located in
California. Lien placed on home through UCC Financing Statement for all loans over $10,000. A UCC Financing Statement is filed to perfect a security interest in named collateral and
established priority in case of debtor default or bankruptcy. ††MasterCard Credit Builder Credit Card and Share/Certificate Secured Loan is secured by deposit into a Credit Union
Share.
APR* Range
!
Term
7.99% - 9.99%
8.49% - 10.49%
8.99% - 10.99%
121 - 180 Mo
97 - 120 Mo
Up to 96 Mo
BUY NOW, PAY LATER
QUICK CASH
$0
SHARE SECURED LOAN†
CERTIFICATE SECURED LOAN
APR*
APR*
3.25%
3.00% Over Dividend Rate
MASTERCARPLATINUM CREDIT CARD
MASTERCARREWARDS CREDIT CARD
APR* Range
13.99% - 23.99%
PERSONAL LINE OF CREDIT
Up to 0.75% r ate discount applies to personal loans if eligible (0.25% for aut opay from Eagle checking and 0.50% for loan loyalty) Discounts do not apply to Quick
Cash” or “Buy Now, Pay Later”.
APR* Range
18.99%
Up to 9 Mo
Term
!Term
Up to 36 Mo
MASTERCARCREDIT BUILDER CREDIT CARD†
Balance Transfer Fee
Balance Transfer Fee
Balance Transfer Fee
$0
$0
49 - 60 Mo
!
Term
Up to 24 Mo
25 - 36 Mo
37 - 48 Mo
37 - 48 Mo
14.49% - 24.49%
49 - 60 Mo
14.74% - 24.74%
ENERGY LOAN
25 - 36 Mo
14.24% - 24.24%
11.25% - 14.75%
NEW / USED BOAT
APR* Range
11.00% - 17.00%
11.25% - 17.25%
Up to 24 Mo
13.99% - 23.99%
13.49% - 21.49%
DEBT CONSOLIDATION
APR* Range
12.99% - 20.99%
Up to 1.00% rate discount applies to vehicle loans if eligible (0.25% for autopay from Eagle checking, 0.50% for loan loyalty and 0.25% for 80% LTV).
USED AUTO
APR* Range
7.69% - 18.44%
7.94% - 18.94%
8.44% - 14.44%
11.00% - 14.50%
8.24% - 14.24%
10.99% - 18.99%
APR* Range
11.49% - 19.49%
NEW / USED RECREATIONAL VEHICLE
NEW / USED MOTORCYCLE
APR* Range
11.00% - 20.50%
NEW AUTO
!
Term
APR* Range
APR* Range
7.49% - 18.24%
7.74% - 18.74%
PERSONAL LOAN
NEW / USED PERSONAL WATERCRAFT