Loans & Credit Cards

Affordable is what we do best!

Auto Loans

Recreational Vehicle Loans

AUTO LOANs

Take the easy road with your Auto Loan!

Our rates are always competitive (usually lower than you can get at a bank) and our auto loans have no loan fees. If you have a higher-rate auto loan at a bank or other lender, refinancing at your credit union can potentially cut your monthly payment and total interest paid – especially for low-credit borrowers!

Plus, receive up to $250 cash back**, and delay your payment up to 90 days*! Contact us to see if we can beat your current rate!

Auto Financing & Buying Services
We’re your auto buying partner. Take a look at the services we offer to help you find, buy, and protect your next new or used vehicle.

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*No payment for up to 90 days refers to 90 days from the date of loan signing. Interest accrues during the 90-day no payment period. **1% cash back up to $250 on amount financed, whichever is less. Cash back amount will be deposited into a Cutting Edge Federal Credit Union account. Cash back amount may be included in tax year 1099-INT. Offer available on new money when refinancing an existing CEFCU loan. Approved rate determined by collateral and creditworthiness. All loans, rates, and terms are subject to credit approval, are subject to change at any time, and must meet CEFCU lending policies. See credit union for current rates, rate floor, and promotion details.

RECREATIONAL VEHICLE LOANs

A Recreational Vehicle Loan can fund your fun!

Kick back for less with a low-rate* adventure loan. We finance motorcycles, ATVs, RVs and travel trailers, boats, and more. Plus, you can enjoy no payment for up to 45 days from the date of loan signing!**

Whether you travel by land or sea, it’s easy to apply or get pre-approved today.

Apply Now! View Rates

*Rates are determined by collateral and creditworthiness. All loans, rates, and terms are subject to credit approval, are subject to change at any time, and must meet Cutting Edge Federal Credit Union lending policies. See credit union rate schedule. **No payment for up to 45 days refers to 45 days from the date of loan signing.

PERSONAL LOANs

Unwrap the Season!

Unwrap the season with a Holiday Loan from Cutting Edge! With rates as low as 8.99% APR*, a personal loan can finance your big ideas with no collateral needed. You can choose a term that works for your budget, and have a predictable fixed monthly payment for the life of the loan. Pay for gifts, a winter vacation, holiday travel, and whatever else you need for your holly & jolly!

Begin your application easily online by clicking the button below.

Apply Today! View Rates

*APR = Annual Percentage Rate. Credit qualifications, terms, and conditions apply.

HOME LOANs

Make your homeownership dreams come true.

Whether you’re looking to buy your first home, refinance your existing mortgage or leverage the equity in your home to make improvements, let us help you find the home loan solution that’s best for you. Call or come by the branch today!

Cutting Edge does business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act.

Home Mortgage Application Request a Call

An Origination Fee is a percentage of the total loan and covers the costs associated with creating, processing and closing your mortgage. Your loan rate is determined by credit profile, credit history, debt, the ability to repay and collateral value. Subject to credit and collateral approval; other restrictions on property may apply. Financing is available on primary residences in OR, WA or ID. The borrower is responsible for any third party fees, including appraisal, title fees, title insurance, flood determination and/or tax service fees, if applicable.

CONSOLIDATION LOANs

Regain control – consolidate your high-interest debt.

A consolidation loan can help you save and manage just one easy payment each month, with rates as low as 10.99%APR*.

Why consolidate debt?

Lower monthly payments**
One rate, one term, one payment makes repaying debt simpler
Pay off credit card debt, medical bills, loan debt, etc. and regain control of your finances!

Apply Now!

*APR = Annual Percentage Rate. **Monthly payments determined by loan amount, term, and APR. All loans, rates, and terms are subject to credit approval and creditworthiness, are subject to change at any time, and must meet Cutting Edge Federal Credit Union lending policies.

QUICK LOAN PAYDAY LOAN ALTERNATIVE

Unexpected car repairs, emergency medical bills or other expense leave you a little short on cash?

Don’t pay absurd payday lender interest rates – see Cutting Edge for an alternative to fit your quick cash need.

We won’t pull your credit, and you’ll start to build savings when you borrow!

Borrow up to $2000 for up to 12 months
No credit report check, no hassles
One fixed interest rate for every borrower – 18% APR*

Call or stop by your branch today for more details.

*APR = Annual Percentage Rate. $20 Quick Loan Application Fee and automatic savings deposit required. Borrowers may only have one Quick Loan at any time, and no more than three in a six-month rolling period. Terms and conditions apply.

Afford My Ride

Count on us for a ride you can count on.

We believe everyone deserves access to affordable transportation. We’re all about fresh starts and second chances, which is why we offer auto financing solutions for all types of credit situations. If credit challenges have kept you from financing or refinancing an auto loan in the past, you can count on us to help you get it.

If you currently pay over 18.00% interest on your auto loan, we may be able to help save you hundreds of dollars in interest over the life of the loan* and potentially lower your monthly payment to something more affordable for your budget.

Call or stop by your branch today for more details.

*Based on Annual Percentage Rate (APR), term, and loan amount of existing loan. All credit is subject to approval.

Credit Cards

Score Big with a Cutting Edge Visa®!

Sack your high-interest credit card balances by transferring them to a Cutting Edge Visa. If you want to consolidate your credit card debt to one card, or tend to carry a balance from month to month, you will enjoy:

Fixed rate as low as 9.90% APR*
No balance transfer fees
One card, one easy payment
We’ll waive the annual fee**

Apply Today!

*APR = Annual Percentage Rate. Finance charges are calculated using a fixed annual percentage rate. Credit qualifications apply. Rates are determined by creditworthiness. See credit union rate schedule. **$15.00 Annual Fee is waived for qualifying account packages.

Credit Builder Loan

Build or repair your credit with built-in savings.

A unique secured loan* to help build positive credit history and savings. Our member Advocate Specialists will work with you to get an affordable monthly payment and term that’s right for you, up to 12 months. Once the loan is repaid, you’ll have $500 in savings to start an emergency fund, pay off debt, put towards a down payment, or whatever else you can think of.

Contact a Member Advocate Specialist today to learn more.

*Annual Percentage Rate (APR) is determined by the current Share Savings account dividend rate plus 6%. Loan proceeds will be held as collateral in a Share Savings account until loan is repaid in full. Credit qualifications, terms and conditions apply.