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Loan Rates
Rates effective since May 15, 2023, and are subject to change.
Standard Vehicle Rates
Model Year |
LTV* < = 100% |
Standard Term (Months) |
Monthly payment per $1,000 |
| 2023 AND NEWER | 5.19% | 66 | $17.45 |
|---|---|---|---|
| 2021-2022 | 5.19% | 66 | $17.45 |
| 2019-2020 | 5.34% | 60 | $19.03 |
| 2018 | 5.54% | 60 | $19.12 |
| 2017 | 5.84% | 60 | $19.26 |
| 2016 | 6.74% | 48 | $23.83 |
| 2015 AND OLDER | 9.24% | 36 | $31.91 |
*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* < = 100% |
Standard Term (Months) |
Monthly payment per $1,000 |
| 2021 AND NEWER | 7.19% | 72 | $17.14 |
| 2017-2020 | 7.49% | 72 | $17.29 |
| 2014-2016 | 7.99% | 72 | $17.53 |
| 2013 AND OLDER | 8.99% | 72 | $18.02 |
*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* < = 100% |
Standard Term (Months) |
Monthly payment per $1,000 |
| 2021 AND NEWER | 7.19% | 48 | $24.03 |
| 2017-2020 | 7.99% | 48 | $24.41 |
| 2014-2016 | 8.49% | 48 | $24.64 |
| 2013 AND OLDER | 9.49% | 36 | $32.03 |
*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*
|
| PRIVATE STUDENT LOAN (Variable Rate) | 8.50% |
|---|
*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*
|
| PRIVATE STUDENT LOAN (Variable Rate) | 8.50% |
|---|
*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 |
| PERSONAL (SECURED WITH SAVINGS 01-36) | 4.99% |
|---|---|
| PERSONAL (SECURED WITH SAVINGS 37-48) | 5.24% |
| PERSONAL (UNSECURED) | 10.50% |
| SINGLE PAYMENT NOTE (SECURED WITH SAVINGS) | 4.99% |
| 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)
| APR | |
|---|---|
| As Low As 7.00%* | |
- 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 6/30/2023, 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 3/16/2023. Your final qualifying rate will be determined by credit profile and amount borrowed in relation to home's value.