Loans Rates

Tiered Pricing Paper Tiers And Loan Rates

Rates Approved as of: December 1st, 2017


Rate Effective Date of February 15, 2018 – Discounts apply to automobiles only; they can be combined, but a maximum discount of only 1.35% is allowed.


Breakdown of Paper Tiers Approved Credit Score Ranges
A+ Paper Score Range 740 & Over
A Paper Score Range 739-680
B Paper Score Range 679-640
C Paper Score Range 639-600
D Paper Score Range 599 & Below

APPLICABLE DICOUNTS FOR LOWER RATES

-.50 Automatic payments

-.50 New or Moving an existing loan to DPS Credit Union

-.85 Current or new checking account with automatic deposit.

Type of Loan Rate As Determined by Member Creditworthiness
A+ A B C D
New Car (Vehicles 2017 & Newer) 3.34% 3.34% 5.34% 7.34% 10.34%
Used Car (Vehicles 2016 to 2014) 4.34% 4.34% 5.84% 7.84% 10.84%
Used Car (Vehicles 2013 & Older) 5.34% 5.34% 6.84% 8.84% 11.84%
Other Secured 3.84% 4.09% 7.34% 8.84% 10.84%
Share Secured 2% above index 2% above index 2% above index 2% above index 2% above index
Unsecured 8.75% 9.60% 12.19% 15.19% 18.00%
Line-of-Credit 8.75% 9.60% 12.19% 15.19% 18.00%