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| Disclosures |
Loan Rates
Effective January 27, 2010
New Vehicles 2009-2010-2011 |
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New Vehicles |
3.99%-17.99% |
12-36 months |
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New Vehicles |
4.99%-17.99% |
48-60 months |
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New Vehicles |
5.25%-17.99% |
72 months |
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New Vehicles |
6.50% -17.99% |
Special Approval |
84 months |
Used Vehicles 2008-2007 |
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Used Vehicles |
5.25%-17.99% |
12-36 months |
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Used Vehicles |
5.50%-17.99% |
48-72 months |
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Used Vehicles |
7.00% - 17.99% |
Special Approval |
84 months |
Used Vehicles 2006 and older |
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Used Vehicles |
6.00%-17.99% |
12-60 months |
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New Motorcycles |
6.75%-17.99% |
24-72 months |
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New Motorcycles |
8.00%-17.99% |
Special Approval |
84 months |
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Used Motorcycles |
7.50%-17.99% |
24-72 months |
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Used Motorcycles |
8.75%-17.99% |
Special Approval |
84 months |
ATV's, Personal Watercraft, Snowmobiles, Dirt Bikes, & Scooters |
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New |
8.25%-17.00% |
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24-60 months |
New |
8.75%-17.00% |
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72 months |
New |
9.25%-17.00% |
Special Approval |
84 months |
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Used |
9.25%-17.50% |
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24-60 months |
Used |
9.75%-17.50% |
72 months |
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New & Used |
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Manufactured Homes < $15,999 |
9.65% - 15.40% |
15yrs & newer |
84 months |
Manufactured Homes > $16,000 |
10.65% - 16.40% |
15yrs & newer |
96 months |
Manufactured Homes > $23,000 |
11.65% - 17.40% |
10yrs & newer |
120 months |
Manufactured Homes > $30,000 |
12.65% - 18.00% |
5yrs & newer |
180 months |
| New & Used | |||
Motor Homes, Travel Trailers, 5th Wheels, Boats |
6.75% - 17.99% |
12-72 mos. |
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Motor Homes, Travel Trailers, 5th Wheels, Boats |
7.25% - 17.99% |
Special Approval |
120 months |
Motor Homes, Travel Trailers, 5th Wheels, Boats |
7.50% - 17.99% |
Special Approval |
144 months |
Motor Homes, Travel Trailers, 5th Wheels, Boats |
7.75% - 17.99% |
Special Approval |
180 months |
| New and Used | |||
Other Collateral, Truck Campers, Slide on campers |
9.50% - 18.00% |
12-36 mos. |
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Other Collateral, Truck Campers, Slide on campers |
9.50% - 18.00% |
48 months |
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Other Collateral, Truck Campers, Slide on campers |
9.50% - 18.00% |
Special Approval |
60 months |
Other Collateral, Truck Campers, Slide on campers |
9.50% - 18.00% |
Special Approval |
72 months |
Share Secured Loans |
Share Rate + 3% |
Minimum 4% |
60 months maximum |
Certificate Secured Loans |
Highest CD Rate + 3% |
60 months maximum |
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Signature Loans < $5,000 |
10.00% - 17.99% |
36 months |
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Signature Loans $5,001 - $8,000 |
10.00% - 17.99% |
48 months |
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Signature Loans $8,001 - $20,000 |
10.00% - 17.99% |
60 months |
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Line of Credit |
10.00% - 17.99% |
Payment @ $3.00 per $100 |
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VISA Credit Card |
Prime + 5.90% |
Payment 3% of new balance |
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Credit Score Table A+ A B C D E Board Approval 720-899 690-719 650-689 610-649 550-609 500-549 501- below Rate, Term, & Loan to Value is determined by your Credit Score. |
RATE REWARDS (Discounts): All loans except HELOC, Credit Cards, and LOC, will qualify for a rate reduction if the member has any of the following services with CFCU:
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Share Draft account .25% reduction
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Payroll, ACH, or Direct Deposit
deducted loan payment ;.25% reduction
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