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Loan Rates

Rates Effective June 1, 2013

Category	FICO Score	Auto - New or lease purchase				New Boats, RV, Motorcycle, Jet Ski	Used Boats, RV, Motorcycle, Jet Ski	Unsecured Rate	Fixed Second Mortgage Rate	HELOC Rate	Other Secured (non-titled) Rate
Category	FICO Score	Up to 36 months	37 to 60 months	61 to 72 months	73 to 84 months	New Boats, RV, Motorcycle, Jet Ski	Used Boats, RV, Motorcycle, Jet Ski	Unsecured Rate	Fixed Second Mortgage Rate	HELOC Rate	Other Secured (non-titled) Rate
A+	730 and up	0.90%	1.90%	2.90%	3.90%	3.90%	5.90%	10.00%	5.00%	4.25%	7.50%
A	680 to 729	2.90%	3.90%	4.90%	5.90%	4.90%	6.90%	12.00%	5.50%	4.25%	8.50%
B	640 to 679	4.90%	5.90%	6.90%	Not Available	6.90%	8.90%	14.00%	8.00%	4.25%	10.50%
C	600 to 639	6.90%	7.90%	Not Available	Not Available	7.90%	9.90%	16.00%	9.00%	4.25%	11.50%
D	550 to 599	11.90%	12.90%	Not Available	Not Available	12.90%	14.90%	18.00%	11.00%	Not Available	16.50%

84 month car loan - add 1% to auto rate for A+ and A members only

Category	FICO Score	Auto - Used
Category	FICO Score	Up to 36 months	37 to 60 months	61 to 72 months	73 to 84 months
A+	730 and up	1.90%	2.90%	3.90%	4.90%
A	680 to 729	3.90%	4.90%	5.90%	6.90%
B	640 to 679	5.90%	6.90%	7.90%	Not Available
C	600 to 639	7.90%	8.90%	Not Available	Not Available
D	550 to 599	12.90%	13.90%	Not Available	Not Available

Used car - consult NADA/Kelly Blue Book for retail vaule to calculate maximums
84 month car loan - add 1% to auto rate for A+ and A members only

Veritas Federal Credit Union
1 Nissan Way
Franklin, TN 37067

Mailing Address:
P.O. Box 681059
Franklin, TN 37068

Main Phone: (615) 786-0452
Customer Service: (855) 663-8328

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