Loan Rates
Current rates include full Rate Rewards discount*
Vehicles- New & Used Effective Date: Tuesday, January 31st, 2023
Rate Term
Model Year 2021 & Newer
4.74% - 17.24% APR
0 - 35 Months
5.24% - 17.74% APR
36 - 60 Months
6.24% - 17.74% APR
61 - 84 Months
Model Year 2017 - 2020
5.49% - 17.99% APR
0 - 35 Months
6.49% - 17.99% APR
36 - 60 Months
7.49% - 17.99% APR
61 - 84 Months
Model Year 2016 & Older
8.50% - 17.99% APR
0 - 60 Months
Motorcycles, ATVs, & UTVs Effective Date: Tuesday, January 31st, 2023
Rate Term
Model Year 2021 & Newer
5.74% - 17.74% APR
0 - 35 Months
6.24% - 17.74% APR
36 - 60 Months
7.24% - 17.74% APR
61 - 84 Months
Model Year 2017 - 2020
6.49% - 17.99% APR
0 - 35 Months
7.49% - 17.99% APR
36 - 60 Months
8.49% - 17.99% APR
61 - 84 Months
Model Year 2016 & Older
9.50% - 18.00% APR
0 - 60 Months
Motor Homes, Travel Trailers, 5th Wheels & Boats Effective Date: Tuesday, January 31st, 2023
Loan Amount Rate Term
Model Year 2021 & Newer
5.99% - 17.74% APR
0 - 35 Months
6.99% - 17.99% APR
36 - 83 Months
7.99% - 17.99% APR
84 - 120 Months*
8.99% - 17.99% APR
121 - 180 Months*
Model Year 2017 - 2020
6.99% - 17.74% APR
0 - 35 Months
7.99% - 17.99% APR
36 - 83 Months
8.99% - 17.99% APR
84 - 120 Months*
9.99% - 17.99% APR
121 - 180 Months*
Model Year 2016 & Older
8.99%-18.00% APR
0 - 83 Months
9.99%-18.00% APR
84 - 120 Months*
*Restrictions may apply
Share Secured Loan Effective Date: Tuesday, January 31st, 2023
Rate Other Term
Share Secured Loans
Share Rate plus 3%
Minimum 4% APR
120 Months maximum
Certificate Secured Loans
Highest CD Rate plus 3%
120 Months maximum
Unsecured Loans Effective Date: Tuesday, January 31st, 2023
Amount Rate Other Term
Signature and Personal Loans
Less than $1,000
10.75% - 18.00% APR
0 - 12 Months
$1,001 - $4,000
10.75% - 18.00% APR
13 - 36 months
$4,001 - $10,000
10.75% - 18.00% APR
37 - 59 months
$10,001 - $30,000
10.75% - 18.00% APR
60 months
Line of Credits -Do not qualify for Rate Rewards
11.00% - 18.00% APR
Payment Calculated @ $3.00 per $100 per month
APR = Annual Percentage Rate
Rate Rewards
Checking account open and active for at least 90 days = .25% APR Discount
Direct payment from payroll or direct deposit in a Coconino FCU account = .25% APR Discount
Max reward discount for any one loan is .50% APR
Go to main navigation