Loan Rates
Current rates include full Rate Rewards discount*
Vehicles, Motorcycles & ATV's Effective Date: Tuesday, May 24th, 2022
Rate Term
Model Year 2020 and Newer
1.24% - 15.74% APR
0-35 Months
1.74% - 16.74% APR
36-60 Months
2.74% - 16.74% APR
61-84 Months
Model Year 2016 - 2019
1.99% - 15.99% APR
0-35 Months
2.99% - 16.74% APR
36-60 Months
3.99% - 16.74% APR
61-84 Months
Model Year 2015 and Older
5.00% - 16.50% APR
0-60 Months
Personal Watercraft, Snowmobiles & Dirt Bikes Effective Date: Tuesday, May 24th, 2022
Rate Term
Same As Vehicle Loans
New & Used Motor Homes, Travel Trailers, 5th Wheels & Boats Effective Date: Tuesday, May 24th, 2022
Loan Amount Rate Term
Model Year 2020 & Newer
2.74% - 16.74% APR
0-35 Months
3.74% - 16.99% APR
36-83 Months
4.74% - 16.99% APR
84-120 Months*
5.74% - 16.99% APR
121-180 Months*
Model Year 2016-2019
3.74% - 16.74% APR
0-35 Months
4.74% - 17.24% APR
36-83 Months
5.74% - 17.24% APR
84-120 Months*
6.74% - 17.24% APR
121-180 Months*
Model Year 2015 & Older
5.74%-17.24% APR
0-83 Months
6.74%-17.24% APR
84-120 Months*
*Restrictions may apply
Share Secured Loan Effective Date: Tuesday, May 24th, 2022
Rate Other Term
Share Secured Loans
Share Rate Plus 3%
Minimum 4% APR
120 Months maximum
Certificate Secured Loans
Highest CD Rate + 3%
120 Months maximum
Unsecured Loans Effective Date: Tuesday, May 24th, 2022
Amount Rate Other Term
Signature and Personal Loans
Less than $1,000
7.75%-17.25% APR
0-12 Months
$1,001 - $4,000
7.75%-17.25% APR
13-36 months
$4,001 - $10,000
7.75%-17.25% APR
37-59 months
$10,001 - $20,000
7.75%-17.25% APR
60 months
Line of Credits do not qualify for Rate Rewards
8.50%-18.00% APR
Payment Calculated @ $3.00 per $100 per month
*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
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