Loan Rates

New Vehicle

Effective Date: 02/08/2024

Auto or Truck (Previously Untitled, Maximum $100,000, Less than 10K miles 90% financing or 100% with GAP insurance)

  
    	Credit Score
      	36 mos.
      	48 mos.
     	60 mos.
     	72 mos.
      	84 mos.
    

    	A 700 & Up
      	3.00%*
      	3.50%*
      	4.00%*
      	4.50%*
      	5.00%*
    

    	B 625-699
      	3.50%*
      	4.00%*
      	4.50%*
      	5.00%*
      	5.50%*
    

    	C 550-624
      	4.25%*
      	4.75%*
      	5.25%*
      	5.75%*
      	6.25%*
    

    	D below 550
      	4.75%*
      	5.25%*
      	5.75%*
      	6.25%*
      	6.75%*
    

Used Vehicle

Effective Date: 02/08/2024

Auto or Truck (**Age of vehicle + term cannot exceed 10yrs, Black Bk Avg Rtl up to $75,000 Max, Antiques- 100% of Certified Appraisal Amount)

  
    	Credit Score
      	36 mos.
      	48 mos.
     	60 mos.
     	72 mos.
      	84 mos.
    

    	A 700 & Up
      	3.50%*
      	4.00%*
      	4.50%*
      	5.00%*
      	5.50%*
    

    	B 625-699
      	4.00%*
      	4.50%*
      	5.00%*
      	5.50%*
      	6.00%*
    

    	C 550-624
      	4.75%*
      	5.25%*
      	5.75%*
      	6.25%*
      	6.75%*
    

    	D below 550
      	5.25%*
      	5.75%*
      	6.25%*
      	6.75%*
      	7.25%*
    

Signature and Cosigner

Effective Date: 02/08/2024

Maximum $30,000 total unsecured

  
    	Credit Score
      	12 mos.
      	24 mos.
     	36 mos.
     	48 mos.
      	60 mos.
      	72 mos.
      	84 mos.
    

    	A 700 & Up
      	3.25%*
      	5.25%*
      	6.75%*
      	8.25%*
      	9.75%*
  		11.00%*
      	12.75%*
    

    	B 625-699
      	5.25%*
      	6.75%*
      	8.25%*
      	9.75%*
  		11.25%*
      	12.75%*
      	14.25%*
    

    	C 550-625
      	6.75%*
      	8.25%*
      	9.75%*
  		11.25%*
      	12.75%*
      	14.25%*
        15.75%*
    

    	D below 550
      	8.25%*
      	9.75%*
  		11.25%*
      	12.75%*
      	14.25%*
      	15.75%*
      	17.25%*
    

Share Secured

Effective Date: 02/08/2024

  
    	60 mos.
      	120 mos.
    
    	3.10%*
      	4.10%*

Recreational Vehicle and Older Used Vehicle

RV, Older Used Vehicle, Boat, Motorcycle, Jet Skis, ATVs, Golf Carts, Snowmobile, etc

Effective Date: 02/08/2024

  
    	Credit Score
      	36 mos.
      	48 mos.
      	60 mos.
      	72 mos.
      	84 mos.
      	120 mos.
    

    	A 700 & Up
      	5.25%*
      	5.75%*
      	6.25%*
      	6.75%*
      	7.25%*
      	8.25%*
    

    	B 625-699
      	5.75%*
      	6.25%*
      	6.75%*
      	7.25%*
      	7.75%*
      	8.75%*
    

    	C 550-624
      	6.25%*
      	6.75%*
      	7.25%*
      	7.75%*
      	8.25%*
      	9.25%*
    

    	D below 550
      	6.75%*
      	7.25%*
      	7.75%*
      	8.25%*
      	8.75%*
      	9.75%*
    

Home Equity

Effective Date: 02/08/2024

$100 application fee, $400 processing fee

  
    	Type
      	Current Rate
      	Term
      	Loan Amount
      	Maximum
      	
    

    	Line of Credit - Variable Rate 
(Based on prime)
      	8.50%*
      	120 mos.
      	75.00% of Available Equity
      	Maximum $100,000
      	
    

    	Variable Rate(Based on prime)
      	8.50%*
      	240 mos.
      	75.00% of Available Equity
      	Maximum $150,000
      	No First Mortgage
    

Visa Card

Effective Date: 02/08/2024

Maximum $30,0000 total unsecured

  
    	Interest Rate
      	Minimum Payment
    
    	9.11%*
      	2% of balance

See All Fees

All share and loan rates are subject to change at the discretion of the Board of Directors of the CFFCU, except in the instance of a previously advertised special whereby those special dates are clearly disclosed and defined.

State Regulations discourage the payment of dividends in excess of available earnings.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.