Loan Rates

New Vehicle

Effective Date: 01/01/2019

Auto, Truck, Motorcycle, Boat (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 1.50%* 2.00%* 2.50%* 3.00%* 3.50%*
B 625-699 2.00%* 2.50%* 3.00%* 3.50%* 4.00%*
C 550-624 2.50%* 3.00%* 3.50%* 4.00%* 4.50%*
D below 550 3.00%* 3.50%* 4.00%* 4.50%* 5.00%*

Used Vehicle

Effective Date: 01/01/2019

Auto, Truck, Motorcycle, Boat (**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 2.00%* 2.50%* 3.00%* 3.50%* 4.00%*
B 625-699 2.50%* 3.00%* 3.50%* 4.00%* 4.50%*
C 550-624 3.00%* 3.50%* 4.00%* 4.50%* 5.00%*
D below 550 3.50%* 4.00%* 4.50%* 5.00%* 5.50%*

Signature and Cosigner

Effective Date: 01/01/2019

Maximum $30,000 total unsecured

Credit Score 12 mos. 24 mos. 36 mos. 48 mos. 60 mos. 72 mos. 84 mos.
A 700 & Up 2.75%* 4.75%* 6.25%* 7.75%* 9.25%* 10.75* 12.25*
B 625-699 4.75%* 6.25%* 7.75%* 9.25%* 10.75%* 12.25%* 13.75%*
C 550-625 6.25%* 7.75%* 9.25%* 10.75%* 12.25%* 13.75%* 15.25%*
D below 550 7.75%* 9.25%* 10.75%* 12.25%* 13.75%* 15.25%* 16.75%*

Share Secured

Effective Date: 01/01/2019

100% of Available Share Balance

60 mos. 120 mos.
2.35%* 3.35%*

Misc. Motor Vehicle

Effective Date: 01/01/2019

Non titled: Jet Skis, ATVs, Golf Carts, Snowmobiles, etc - 100% Black Book Average Retail

Credit Score 36 mos. 48 mos. 60 mos.
A 700 & Up 6.50%* 7.00%* 7.50%*
B 625-699 7.50%* 8.00%* 8.50%*
C 550-624 8.50%* 9.00%* 9.50%*
D below 550 9.50%* 10.00%* 10.50%*

Recreational Vehicle and Older Used Vehicle

Effective Date: 01/01/2019

Credit Score 36 mos. 48 mos. 60 mos. 72 mos. 84 mos. 120 mos.
A 700 & Up 3.50%* 4.00%* 4.50%* 5.00%* 5.50%* 6.00%*
B 625-699 4.00%* 4.50%* 5.00%* 5.50%* 6.00%* 7.00%*
C 550-624 4.50%* 5.00%* 5.50%* 6.00%* 6.50%* 7.50%*
D below 550 5.00%* 5.50%* 6.00%* 6.50%* 7.00%* 8.00%*

Home Equity

Effective Date: 01/01/2019

$100 application fee, $400 processing fee

Type Current Rate Term Loan Amount Maximum
Line of Credit - Variable Rate
(Based on prime)
5.50%* 120 mos. 75.00% of Available Equity Maximum $100,000
Variable Rate(Based on prime) 5.50%* 240 mos. 75.00% of Available Equity Maximum $150,000 No First Mortgage

Visa Card

Effective Date: 01/01/2019

Maximum $30,0000 total unsecured

Interest Rate Minimum Payment
9.11%* 2% of balance

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.