Panhandle FCU

Effective as of: September 15, 2021

LOAN RATES

CREDIT SCORE	Tier 1	Tier 2	Tier 3	Tier 4
	790>	789-759	758-680	679-600

New Auto 2021-2020	2.89% APR	3.20% APR	5.00% APR	9.50% APR
100% of Dealer Sticker (maximum term 72 months)
Used Auto 2016-2019	3.00% APR	3.25% APR	5.75% APR	10.50% APR
100% of NADA value (maximum term 60 months)
Used Auto 2015 or Older	3.25% APR	3.75% APR	6.50% APR	13.00% APR
100% of NADA value (maximum term 36 months)
Boats, Recreation Vehicles	6.75% APR	7.00% APR	9.50% APR	13.00% APR
New: max. term 72 months Used: max. term 48 months
Motor Homes/ Travel Trailers	6.75% APR	7.00% APR	9.50% APR	11.90% APR
	80% LTV	80% LTV	70% LTV	60% LTV
max. term 10 years on 2013-2009 5 year max. on older models
Share Secured	2.35% APR	2.35% APR	2.35% APR	2.35% APR
Regular Shares
Certificate Secured	3% over	3% over	3% over	3% over
Loan Term = CD Term
Signature	6.00% APR	7.50% APR	9.00% APR	13.50% APR
max. term 2 years
Real Estate	2.50% APR	2.79% APR	3.85% APR	APOR 1.49%
80% of Appraisal (Term 1-5 Years)
Real Estate	2.50% APR	2.79% APR	3.85% APR	APOR 1.49%
80% of Appraisal (Term 6-15 Years)
Real Estate	2.99% APR	3.25% APR	4.41% APR	APOR 1.49%
80% of Appraisal (Term 16-30 years)

1-1/2% refinance fee on Real Estate Loans