Rates

Auto

Rates Effective December 12, 2011

^{* Rate includes a .25% reduction for members who meet the requirements of a Tropical Plus Relationship.}

^{*APR=Fixed annual percentage rate is based on creditworthiness for terms up to 36 months. 1.99% offer requires a loan-to-value of 89% or less. Rate is available on new or used 2007 thru 2011 vehicles.  Other rates and terms are available for terms up to 84 months for new vehicles. Minimum loan amount for terms of 75 months or more is $15,001. Actual loan amount is not to exceed the lesser of the purchase price or 100% of the manufacturer's suggested retail price (MSRP) on new vehicles or lesser of the purchase price of the National Automobile Dealers Association (NADA) retail value on any previously titled autos. 1.99% includes the Tropical Plus member discount. Some restrictions may apply. Rates are subject to change without notice.}

Tropical Plus Membership: To qualify for a Tropical Plus relationship with Tropical Financial Credit Union, you must maintain at least $10,000 in combined daily deposits or $30,000 in combined month-end loan balances.

Automobile and Recreational Vehicle loans: New automobiles include autos current year and previous year. Used Auto includes previous titled vehicle 7 years old or newer. Up to 100% financing not to exceed the lesser of MSRP or the final purchase price plus tax and Vehicle Service Agreement on new vehicles or the NADA Retail value plus/minus options and mileage on used vehicles. Recreational loans include RVs, Boats, Motors, Trailers, Travel Trailers, Motor Homes, Campers and Motorcycles.

DRIVE Auto Loan Program: Acquisition fee of 3% for used autos and 5% for new autos, based on the amount financed, applies to all loans granted under this program.