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Rates

Autos / Recreational Vehicles / Boats / Motorcycles

Now is the time to buy!

Get a great deal on your auto purchase with AltaOne Federal Credit Union and your preferred dealer.

Model Years 2011 & Newer, New/Used

Rates effective January 1, 2012
  Account Type  Maximum Financing †  Maximum Term  APR
Autos, MotorcyclesPurchase:* Up to 125% of MSRP or Retail Value. Including Tax and/or License and Vehicle WarrantiesUp to 36 months2.99%*  
Purchase:* Up to 125% of MSRP or Retail Value. Including Tax and/or License and Vehicle WarrantiesUp to 48 months2.99%*  
Purchase:* Up to 125% of MSRP or Retail Value. Including Tax and/or License and Vehicle WarrantiesUp to 60 months3.49%*  
Purchase:* Up to 125% of MSRP or Retail Value. Including Tax and/or License and Vehicle WarrantiesUp to 72 months3.99%*  
Purchase:* Up to 125% of MSRP or Retail Value. Including Tax and/or License and Vehicle WarrantiesUp to 84 months4.49%*  
BoatsPurchase:* Up to 100% of MSRP or Retail Value. Including Tax and/or License and Vehicle WarrantiesUp to 144 months7.74%*  
RVsPurchase:* Up to 100% of MSRP or Retail Value. Including Tax and/or License and Vehicle WarrantiesUp to 240 months7.74%*  
*(Maximum financing may vary as determined by your individual credit profile. Rates are as low as the Premier Plus Rates and your individual rate may be higher as determined by your individual credit profile.
* INCLUDING Sales Tax, Title Fees and Warranties/Service Contracts.
APR=Annual Percentage Rate
All rates and policies are subject to change without notice.
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Model Years 2008-2010

Rates effective January 1, 2012
  Account Type  Maximum Financing †  Maximum Term  APR
Autos, MotorcyclesPurchase* / Refinance:** Up to 125% of Retail ValueUp to 36 months3.99%�  
Purchase* / Refinance:** Up to 125% of Retail ValueUp to 48 months3.99%�  
Purchase* / Refinance:** Up to 125% of Retail ValueUp to 60 months4.49%�  
Purchase* / Refinance:** Up to 125% of Retail ValueUp to 72 months4.99%�  
Purchase* / Refinance:** Up to 125% of Retail ValueUp to 84 months5.49%�  
BoatsPurchase* / Refinance:** Up to 100% of Retail ValueUp to 144 months9.24%�  
RVsPurchase* / Refinance:** Up to 100% of Retail ValueUp to 240 months9.24%�  
�Maximum financing may vary as determined by your individual credit profile. Rates are as low as the Premier Plus Rates and your individual rate may be higher as determined by your individual credit profile.
* INCLUDING Sales Tax, Title Fees and Warranties/Service Contracts.
** Loans currently financed with AltaOne are subject to an additional charge of 1% of the refinance amount with $100 minimum which is due at the time of signing.
APR=Annual Percentage Rate
All rates and policies are subject to change without notice.
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Model Years 2003-2007

Rates effective January 1, 2012
  Account Type  Maximum Financing †  Maximum Term  APR
Autos, MotorcyclesPurchase* / Refinance:** Up to 100% of Retail ValueUp to 60 months5.49%�  
BoatsPurchase* / Refinance:** Up to 100% of Retail ValueUp to 144 months10.24%�  
RVsPurchase* / Refinance:** Up to 100% of Retail ValueUp to 240 months11.24% �  
�Maximum financing may vary as determined by your individual credit profile. Rates are as low as the Premier Plus Rates and your individual rate may be higher as determined by your individual credit profile.
* INCLUDING Sales Tax, Title Fees and Warranties/Service Contracts.
** Loans currently financed with AltaOne are subject to an additional charge of 1% of the refinance amount with $100 minimum which is due at the time of signing.
APR=Annual Percentage Rate
All rates and policies are subject to change without notice.
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Model Years 1998-2002

Rates effective January 1, 2012
  Account Type  Maximum Financing †  Maximum Term  APR
Autos, MotorcyclesPurchase* / Refinance:** Up to 100% of Retail Value with no optionsUp to 48 months5.99%^  
^Maximum financing may vary as determined by your individual credit profile. Rates are as low as the Premier Plus Rates and your individual rate may be higher as determined by your individual credit profile.
* INCLUDING Sales Tax, Title Fees and Warranties/Service Contracts.
** Loans currently financed with AltaOne are subject to an additional charge of 1% of the refinance amount with $100 minimum which is due at the time of signing.
APR=Annual Percentage Rate
All rates and policies are subject to change without notice.
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Classic Vehicles / Branded Title

Rates effective January 1, 2012
  Account Type  Model Years  Maximum Financing †  Maximum Term  Terms  APR
Classic VehicleOver 15 Years OldUp to 100% of Cash Selling Price or Appraised Value. Including Tax and/or License. Up to 60 monthsGood or better than good condition. Must be considered Classic, Collectible or Special Interest Car and Listed in the N.A.D.A.
10.24%�  
Branded Title2002-2011100% of Retail Value. Up to 60 monthsSalvaged, Warranty Return or Lemon Buyback, Remanufactured, Prior Taxi/Police10.24%�  
�Maximum financing may vary as determined by your individual credit profile. Rates are as low as the Premier Plus Rates and your individual rate may be higher as determined by your individual credit profile.
APR=Annual Percentage Rate
All rates and policies are subject to change without notice.
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Disclaimer: AltaOne Federal Credit Union is not responsible for the privacy practices or the content of web sites which we may provide an access link. While all efforts are made to maintain the accuracy of information presented on the AltaOne Federal Credit Union web site, we cannot guarantee that all information is current. Please contact the Credit Union directly for the most current information at
(760) 371-7000, or toll-free (800) 433-9727
701 South China Lake Boulevard, Ridgecrest, California 93555
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