Subtract 1 percent for Active Saver Rates. A 49er FCU member can qualify for an Active Saver rate by using Payroll Direct Deposit and an Automatic Transfer from Checking or Savings to make their loan payment. Active Saver rates do not apply to Share Secured, or VISA loans. Your interest rate will be determined by the amount financed, loan term, and your credit history.  Rates displayed below are subject to change.

Financing
Loan Amount	Term	80% High Blue Book Rate Range	100% High Blue Book Rate Range
Under $5,000	24 months	6.24% - 18.00% APR	6.49% - 18.00% APR
Over $5,000	36 months	6.24% - 18.00% APR	6.49% - 18.00% APR
Over $7,500	48 months	6.24% - 18.00% APR	6.49% - 18.00% APR
Over $10,000	60 months	6.24% - 18.00% APR	6.49% - 18.00% APR
Over $20,000	72 months	6.24%-  18.00% APR	6.49% - 18.00% APR

Maximum financing for used vehicles: Purchase price up to 100% of high Blue Book plus tax, license, GAP, and extended warranty (MBI) - not to exceed 120% of high Blue Book + GAP waiver ($500 max).
APR = Annual Percentage Rate. Your interest rate will be determined by the amount financed, loan term and your credit history.

Financing
Loan Amount	Term	80% Purchase Price Rate Range	100% Purchase Price Rate Range
Under $5,000	24 months	5.99% - 18.00% APR	6.24% - 18.00% APR
Over $5,000	36 months	5.99% - 18.00% APR	6.24% - 18.00% APR
Over $7,500	48 months	5.99% - 18.00% APR	6.24% - 18.00% APR
Over $10,000	60 months	5.99% - 18.00% APR	6.24% - 18.00% APR
Over $20,000	72 months	5.99%-  18.00% APR	6.24% - 18.00% APR

A new vehicle is defined as a current or previous model year, with less than 5000 miles. Maximum financing for new vehicles: Purchase price up to 100% of the Manufacturer's Suggested Retail Price (MSRP) plus tax, license, GAP and extended warranty (MBI) - not to exceed 120% of MSRP + GAP waiver ($500 max).
APR = Annual Percentage Rate - Your interest rate will be determined by the amount financed, loan term and your credit history.

Loan Limit	Term	Rate Range
Under $15,000	60 months	11.99% - 18.00% APR
Up to $25,000	96 months	11.99% - 18.00% APR
Up to $100,000 Max.	120 months	11.99% - 18.00% APR

New RV (Trailers, Motor Homes, Motorcycles, and Boats)
Financing is for purchase price up to 90% of the MSRP including tax, license, and extended warranty (MBI).
Used RV (Trailers, Motor Homes, Motorcycles, and Boats)
Financing is for purchase price up to 90% of High Blue Book, including tax, license, and extended warranty (MBI). Must be in Blue Book.
APR = Annual Percentage Rate. Your interest rate will be determined by the amount financed, loan term and your credit history.

Loan Limit	Term	Rate Range
Up to $10,000	Up to 48 months	13.99% - 18.00% APR

APR = Annual Percentage Rate. Your interest rate will be determined by the amount financed, loan term and your credit history

Loan Limit	Payment	Rate Range
Up to $10,000	3% of Advance (minimum $50)	13.49% - 18.00% APR

APR = Annual Percentage Rate. Your interest rate will be determined by the amount financed, loan term and your credit history

Loan Limit	Term	Rate Range
Available Funds	Max 12 month Term	Share Rate plus 3%

APR = Annual Percentage Rate. Your interest rate will be determined by the amount financed, loan term and your credit history

Loan Limit	Annual Fee	Grace Period	Rate
Up to $10,000	$12.00	25 Days	14.90% APR

APR = Annual Percentage Rate.