Loan Rates

Effective Date: January 1, 2015

Type of Loan

Terms (in months)

APR Annual Percentage Rate (%)

New Automobiles 36 to 72 1.99 to 18.00
Used Automobiles 36 to 60 1.99 to 18.00
New Boats & Recreational Vehicles 36 to 144 2.74 to 18.00
Used Boats & Recreational Vehicles 36 to 144 3.24 to 18.00
Home Mortgages Contact the Credit Union Contact the Credit Union
Home Equity Line of Credit Contact the Credit Union Contact the Credit Union
Home Equity Contact the Credit Union Contact the Credit Union
Visa Credit Card Variable 9.90 to 17.90
Personal Line of Credit Revolving 9.00 to 18.00
Personal 0 to 36 9.45 to 18.00
Share Secured Term Varies Share Dividend +3.00
Certificate Secured Term Varies Share Dividend +3.00
  • Loan rates are determined by your credit history, the value of the loan collateral and the loan term.
  • Loan rate floor is 1.99% APR*.
  • Pre-approved loans are available.
  • Rates are not applicable to existing CEFCU loans. Rates are subject to change.
  • Loan to Value & package discounts may apply.