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Loan Rates

Rates effective since May 16, 2022, and are subject to change.

Standard Vehicle Rates

Standard Vehicle Rates
Model Year
LTV* < = 100%
Standard Term (Months)
Monthly payment per $1,000
2022 AND NEWER 2.24% 66 $16.12
2020-2021 2.24% 66 $16.12
2018-2019 2.39% 60 $17.70
2017 2.59% 60 $17.79
2016 2.89% 60 $17.92
2015 3.79% 48 $22.49
2014 AND OLDER 6.29% 36 $30.55
*LTV = Loan-to-Value
The rates, terms, and up to 100% financing on vehicle loans are available to well-qualified borrowers. Terms are also subject to limitation based on vehicle model year.
In-house refinances are excluded.

Recreational Vehicle & Boat

Recreational Vehicle & Boat –

Model Year
LTV* < = 100%
Standard Term (Months)
Monthly payment per $1,000
2020 AND NEWER 4.24% 72 $15.75
2016-2019 4.54% 72 $15.89
2013-2015 5.04% 72 $16.12
2012 AND OLDER 6.04% 72 $16.59
*LTV = Loan-to-Value
The rates, terms, and up to 100% financing on recreational loans are available to well-qualified borrowers. Terms are also subject to limitation based on model year. Contact CEFCU for details. Rate, term, and amount financed subject to credit approval.
In-house refinances are excluded.

Motorcycles

Motorcycles –

Model Year
LTV* < = 100%
Standard Term (Months)
Monthly payment per $1,000
2020 AND NEWER 4.24% 48 $22.69
2016-2019 5.04% 48 $23.05
2013-2015 5.54% 48 $23.27
2012 AND OLDER 6.54% 36 $30.67
*LTV = Loan-to-Value
The rates, terms, and up to 100% financing on motorcycle loans are available to well-qualified borrowers. Terms are also subject to limitation based on model year. Contact CEFCU for details. Rate, term, and amount financed subject to credit approval.
In-house refinances are excluded.

Private Student Loan

Private Student Loan
Type
APR*
PRIVATE STUDENT LOAN (Variable Rate) 4.00%
*This is a variable rate available to qualified borrowers. The annual percentage rate may vary quarterly based on the Prime Rate, published in the Wall Street Journal.

Consolidation Student Loan

Consolidation Student Loan
Type
APR*
PRIVATE STUDENT LOAN (Variable Rate) 4.00%
*This is a variable rate available to qualified borrowers. The annual percentage rate may vary quarterly based on the Prime Rate, published in the Wall Street Journal.

Other Consumer

Other Consumer
Loan Type
APR
PERSONAL (SECURED WITH SAVINGS 01-36) 2.90%
PERSONAL (SECURED WITH SAVINGS 37-48) 3.15%
PERSONAL (UNSECURED) 8.24%
SINGLE PAYMENT NOTE (SECURED WITH SAVINGS) 2.90%
SINGLE PAYMENT NOTE (SECURED) 10.25%
SINGLE PAYMENT NOTE (UNSECURED) 12.75%
*Rate available to well-qualified borrowers. Term varies based on principal amount borrowed. Minimum loan amount $1,000.

Hybrid Home Equity Line of Credit (HELOC)

Hybrid Home Equity Line of Credit (HELOC)
APR
As Low As 3.75%*
  • To qualify, your potential line of credit must be a minimum of $5,000, and it can be as high as 90% of the appraised value of your home (minus your first mortgage balance).
  • The annual percentage rate will not go above 18% APR.
  • The annual percentage rate will not fall below 2.99% APR.
  • You must carry insurance on the property that secures this plan.
  • CEFCU’s closing cost assistance offer is available for a limited time for qualified CEFCU members in good standing who are opening a Hybrid Home Equity Line of Credit of $10,000 or more using their owner-occupied home as collateral. To qualify, the home being used as collateral may not be for sale; Bridge Loans and Lot Loans are not eligible for closing cost assistance. Property insurance is required and not included in closing costs. Closing cost assistance excludes Transfer Taxes or Mortgage/Intangible Taxes (applicable in certain states but not applicable to Illinois or California properties). Contact CEFCU for details, including more specific information about third-party fees.
  • Hybrid HELOC is available in every state but Texas. Home Equity lending not available in Texas.
  • Consult a tax advisor regarding the deductibility of interest.
  • Amortization on the following amounts is as follows: $1,000 to $10,000 — five years; $10,001 to $25,000 — 10 years; $25,001 and more — 15 years. Minimum monthly payment amount for credit line balance is $100.

*This initial rate will be in effect until 6/30/2022, and at the credit union's option, for a longer period of time. The annual percentage rate may vary quarterly and is based on the Prime Rate published in the Wall Street Journal and available to us as of 3/17/2022.