Loans Rates

Tiered Pricing Paper Tiers And Loan Rates

Rates Approved as of: March 1st, 2021


Rate Effective Date of March 1st, 2021 – 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 DISCOUNTS FOR LOWER RATES

-.50 Automatic payments

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

-.85 Current checking account with direct ACH deposit.

Type of Loan Rate As Determined by Member Creditworthiness
A+ A B C D
New Car (Vehicles 2020 & Newer) 3.69% 3.69% 5.69% 7.69% 10.69%
Used Car (Vehicles 2019 to 2017) 4.69% 4.69% 6.19% 8.19% 11.19%
Used Car (Vehicles 2016 & Older) 5.69% 5.69% 7.19% 9.19% 12.19%
Other Secured 4.19% 4.44% 7.69% 9.19% 11.19%
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%