Loan Rates

Loan rates effective as of October 1, 2025

New Vehicle

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

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 and at lease 20 years old

  
    	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

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

Maximum 100% of available balance

  
    	60 mos.
      	120 mos.
    
    	current rate + 2.00%
      	current rate + 3.00%

Certificate Secured

Maximum 100% of available balance

  
    	      	up to 120 mos.
                
            	current rate + 2.00%*

*Variable rate adjusted at CD maturity

Recreational Vehicle and Older Used Vehicle

RV, Older Used Vehicle, Boat, Motorcycle, Jet Skis, ATVs, Golf Carts, Snowmobile, etc - 100% Average Retail

RV Max $120,000.00

  
    	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

$100 application fee, $400 processing fee

Rate adjusted quarterly

  
    	Type
      	Current Rate
      	Term
      	Loan Amount
      	Maximum
      	
    

    	Line of Credit - Variable Rate 
(Based on prime)
      	7.25%*
      	120 mos.
      	75.00% of Available Equity
      	Maximum $100,000
      	
    

    	Variable Rate(Based on prime)
      	7.25%*
      	240 mos.
      	75.00% of Available Equity
      	Maximum $150,000
      	No First Mortgage
    

Home Equity Line of Credit rates are based on the Prime Rate as published in The Wall Street Journal with a floor rate of 4%. Property insurance is required. Minimum initial advance is $5,000.00.

Tuition/Educational

  
    	Interest Rate
      	Term
        Maximum
    

    	5.00%*
      	up to 48 mos.
        Maximum $30,000.00 total unsecured
    

Tuition/Educational loan is subject to discontinuance at any time at the discretion of the Board of Directors of the CFFCU.

Visa Card

Effective Date: 07/01/2025

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 any time 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.

Minimum $1,000.00 advance on all debt, except VISA Credit Card.

All loans are subject to credit approval, except Share Secured and Certificate Secured. Other restrictions may apply.