LOANS

Federal Credit Union Loans

Highway Federal Credit Union offers members the ability to borrow money for nearly any purpose at attractive rates. Signature loans up to $9,000 may be used for nearly any purpose. Share secured loans are a great way to build credit and save your already saved money. The credit union also offers loans for new and used cars, trucks, motorcycles, recreational vehicles and home equity loans.

WE OFFER 100% FINANCING FOR NEW VEHICLES!
Used Vehicles – 36 months or less – 90% Financing**

Fair Isaac Risk ScoreNever TitledUsed 2022-2023Used 2021-2020Used 2019-2017Used 2016-201324 Months Used 2012
725-8504.25% APR4.75% APR5.25% APR5.99% APR6.99% APR7.99% APR
690-7244.75% APR5.25% APR5.75% APR6.99% APR7.99% APR8.99% APR
650-6895.50% APR6.25% APR7.25% APR7.99% APR8.99% APR9.99% APR
625-6497.25% APR7.50% APR7.75% APR8.99% APR9.99% APR12.00% APR
<624 or None**9.99% APR10.99% APR11.99% APR12.99% APR13.99% APR14.99% APR

Used Vehicles – 37 months or more – 90% Financing**

Fair Isaac Risk ScoreNever TitledUsed 2022-2023Used 2021-2020Used 2019-2017Used 2016-2013
725-8504.99%5.49%5.99%6.49%6.00%
690-7245.49%5.99%6.49%7.49%8.00%
650-6896.49%6.99%7.49%7.99%9.00%
625-6497.25%7.99%9.99%10.99%12.99%
<624 or None**10.99%11.99%12.99%13.99%14.99%

FAIR ISAAC SCORE VARIABLES
Auto – Truck – SUV Loans

84 Months72 Months
"106% of retail value FICO score of 700 or above Model years 2021-2023""90% of retail value FICO score of 675-699 80% of retail value (674 or lower) Model years 2022-2013"
"100% of retail value Model years 2013 - 2023 or earlier Maximum term 60 Months w/ FICO score of 700 or higher""90% of retail value w/ max $9,000 Model years 2012 or earlier Maximum term 60 months w/ FICO score of 675 to 699 80% of retail value (674 or lower)"

MOTORCYCLE LOANS
Used Vehicles – 36 months or less – 90% Financing**

Fair Isaac Risk ScoreNever TitledUsed 2023Used 2022-2020Used 2019-2017Used 2016-2013Used 2012
725-8504.25% APR4.99% APR5.99% APR6.99% APR7.99% APR8.99% APR
690-7244.75% APR5.99% APR6.99% APR7.99% APR8.49% APR9.49% APR
650-6896.50% APR6.99% APR7.99% APR8.99% APR9.99% APR9.99% APR
625-64910.00 APR10.99% APR10.99% APR12.00% APR12.99% APR13.99% APR
<624 or None**12.50% APR12.99% APR12.99% APR13.99% APR14.50% APR14.99% APR

Used Vehicles – 37 months or more – 90% Financing**

Fair Isaac Risk ScoreNever TitledUsed 2022-2020Used 2019-2017Used 2016-2015Used 2014-2013
725-8504.99% APR5.99% APR6.99% APR7.99% APR8.99% APR
690-7245.99% APR6.99% APR7.99% APR8.99% APR9.99% APR
650-6896.99% APR7.99% APR8.99% APR9.99% APR10.99% APR
625-6499.25% APR10.00% APR11.25% APR12.00% APR13.50% APR
<624 or None**12.50% APR13.00% APR13.75% APR14.24% APR14.95% APR

**624 score or lower or no score requires co-signer with 700 score or higher
Percentage financed varies from 80% to 106% depending on FICO scores, term of loan and age of vehicle.

RECREATIONAL VEHICLES AND TRAILERS

NewUsed
Fair Isaac Risk Score3 Years of less4 Year6-10 Year7 Year or Less
750+ w/ 100% Financing4.25% APR4.99% APR5.99% APR6.99% APR
720+ w/ 90% Financing4.50% APR5.99% APR6.99% APR7.99% APR
690+ w/ 90% Financing7.59% APR8.59% APR9.59% APR10.49% APR
650+ w/ 80% Financing8.99% APR9.99% APR11.99% APR12.99% APR
625-649 w/ 80% Financing10.99% APR11.99% APR14.99% APR14.99% APR

Max Term and Amount
120 Months
$50,000 Max
Longer terms may be available based on SCORE
Rates subject to change without notice.
Collection Costs: You agree to pay all costs of collecting the amount you owe under this agreement,
including court costs and reasonable attorney fees 20% collection cost not less than $50.00

REFINANCED USED VEHICLES – 75% FINANCING**
CALL OR STOP IN FOR DETAILS!

SIGNATURE LOANS**

Scores12-18 Months19-36 Months37-60 Months
750-Above7.75%8.25%10.25%
749-7008.50%9.75%11.25%
699-65010.75%12.00%12.75%
649-62512.50%13.50%14.50%
<624 or None**15.95%16.95%17.95%

**624 score or lower or no score requires co-signer with 700 score or higher

HOME EQUITY LOANS**

Scores5 Years10 Years15 Years
725-8504.75%5.75%6.50%
690-7245.25%6.25%6.75%
650-6896.25%7.00%7.75%

*Home Equity Loans are for 80% of value less 1st mortgage.

All rates on this site are subject to change with or without notice. Rates on Web Site do not necessarily reflect current rates,
although we do our best to keep the site updated. Please call us directly or come visit to confirm any terms and all rates.

Click here for a loan application that you may print out.

We also are offering a special rate on our Visa Credit card of 7.99% on new purchases. Offer subject to change without notice.