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Coconino Federal Credit Union Go to main content

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Loan Rates

Current rates include full Rate Rewards discount*

Vehicles- New & Used
Effective Date: Tuesday, January 31st, 2023
RateTerm
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
RateTerm
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 AmountRateTerm
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
RateOtherTerm
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
AmountRateOtherTerm
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 

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