Vehicle Loans

Get competitive rates and up to 100% financing!

New Car Loans

We lend up to 100% of the sticker price on a new car, truck, boat, motorcycle, or RV purchases. Enjoy low rates and term options from 36 to 72 months.

Used Car Loans

We lend up to 100% of the NADA used Used Car Guide retail price on used trucks, boats, motorcycles and RVs 2-6 years old with either 36 or 60 month terms. For models older than 6 years, we offer up to 85% of book value with a 36 or 48 month repayment period.

How used is that used car? Look it up on Carfax to find out before you buy.

Get Rewarded for Good Behavior

Have you been financially responsible? We reward our members who meet certain credit standards with our Preferred Rates. Contact our loan department for information on how your rate is determined and what you can do to improve your credit rating to earn our Preferred Rates!

New Car Loan Rates

Effective January 1, 2018
Type of LoanTermAPR*Preferred APR*
*APR=Annual Percentage Rate. Rates shown require member has automatic payments from a YEFCU account, payroll deduction or direct deposit. Add 0.25% to the APR and 0.26% to the preferred APR if you do not use at least one of these services. Vehicle Loan Rates shown are for 85% financing. 100% financing is available on 2010 and newer vehicles for an additional 0.50% APR. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined.
New (2017-2018)36 months2.50% 1.99%
60 months3.20% 2.19%
72 months4.00%2.49%
84 monthsN/A2.99%

Used Car Loan Rates

Effective January 1, 2017
Type of LoanTermAPR*Preferred APR*
*APR=Annual Percentage Rate. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined. Rates shown require member has automatic payments from a YEFCU account, payroll deduction or direct deposit. Add 0.25% to the APR and 0.26% to the preferred APR if you do not use at least one of these services. Vehicle Loan Rates shown are for 85% financing. 100% financing is available on 2010 and newer vehicles for an additional 0.50% APR.
2012-201636 months3.50% 2.49%
2012-201660 months3.70% 2.69%
2012-201672 months4.00% 2.99%
2011 or Older36 months5.45% 4.69%
2011 or Older (Over $10,000)48 months5.95% 4.69%

Motorcycle Loan Rates

Effective January 1, 2018
Type of LoanTermAPR*Preferred APR*
*APR=Annual Percentage Rate. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined. Rates shown require member has automatic payments from a YEFCU account, payroll deduction or direct deposit. Add 0.25% to the APR and 0.26% to the preferred APR if you do not use at least one of these services. Vehicle Loan Rates shown are for 85% financing. 100% financing is available on 2010 and newer vehicles for an additional 0.50% APR.
New (2017-2018)36 months3.00% 1.99%
60 months3.70% 2.19%
Used (2012-2016)48 months3.70% 2.69%
Used (2011 or Older)36 months4.95% 4.19%
Used Over $5,000 (2011 or Older)48 months5.95% 5.19%

NADA Used Car Guide

The NADA Used Car Guide has up-to-date information is available on retail and trade-in prices on used cars and trucks 1-14 model years old. When buying a used car, check prices with us to ensure the best deal. We can also help determine the value of a trade-in.