My CU pulls EQ and rates are based on that score. However, my CU also requires a minimum income of 25K for any loan and if you have multiple loans, income must be higher. For example I had 1 auto note of 25K a year later my DH wanted a truck but didn't have any score because he never applied for credit and always paid cash so I financed the 30K truck note in my name and the minimum income required was 40K per year. Check the CU website it may have loan requirements on there. Hope that helps you & good luck!