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Loan Rates
Available rates as of .
Standard Vehicle Rates
Model Year |
LTV footnote 1 < = 100% |
Standard Term (Months) |
Monthly payment per $1,000 |
|---|---|---|---|
| 2024 AND NEWER | 4.49% | 66 | $17.13 |
| 2022-2023 | 4.49% | 66 | $17.13 |
| 2020-2021 | 4.64% | 60 | $18.71 |
| 2019 | 4.84% | 60 | $18.80 |
| 2018 | 5.14% | 60 | $18.94 |
| 2017 | 6.04% | 48 | $23.50 |
| 2016 AND OLDER | 8.54% | 36 | $31.59 |
1. 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.
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
Model Year |
LTV footnote 1 < = 100% |
Standard Term (Months) |
Monthly payment per $1,000 |
|---|---|---|---|
| 2022 AND NEWER | 6.49% | 72 | $16.81 |
| 2018-2021 | 6.79% | 72 | $16.95 |
| 2015-2017 | 7.29% | 72 | $17.19 |
| 2014 AND OLDER | 8.29% | 72 | $17.68 |
1. 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.
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
Model Year |
LTV footnote 1 < = 100% |
Standard Term (Months) |
Monthly payment per $1,000 |
|---|---|---|---|
| 2022 AND NEWER | 6.49% | 48 | $23.71 |
| 2018-2021 | 7.29% | 48 | $24.08 |
| 2015-2017 | 7.79% | 48 | $24.31 |
| 2014 AND OLDER | 8.79% | 36 | $31.70 |
1. 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.
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
|
Type
|
APR footnote 2
|
|---|---|
| PRIVATE STUDENT LOAN (Variable Rate) | 9.25% |
2. 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
|
Type
|
APR footnote 2
|
|---|---|
| PRIVATE STUDENT LOAN (Variable Rate) | 9.25% |
2. 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
Loan Type |
APR footnote 3 |
|---|---|
| PERSONAL (SECURED WITH SAVINGS 01-36) | 4.50% |
| PERSONAL (SECURED WITH SAVINGS 37-48) | 4.75% |
| PERSONAL (UNSECURED) | 11.25% |
| SINGLE PAYMENT NOTE (SECURED WITH SAVINGS) | 5.00% |
| SINGLE PAYMENT NOTE (SECURED) | 10.25% |
| SINGLE PAYMENT NOTE (UNSECURED) | 13.25% |
3. 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)
| APR | |
|---|---|
| As Low As 8.00% footnote 4 | |
- 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.
4. This initial rate will be in effect until 12/31/2024, 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 9/16/2024. Your final qualifying rate will be determined by credit profile and amount borrowed in relation to home's value.