Loan Rates
Vehicles- New & Used Effective Date: Sunday, July 20th, 2025
Rate Term
Model Year 2023 & Newer
4.99% - 17.24% APR
0 - 35 Months
5.49% - 17.74% APR
36 - 60 Months
6.49% - 17.74% APR
61 - 84 Months
Model Year 2019 - 2022
5.74% - 17.99% APR
0 - 35 Months
6.74% - 17.99% APR
36 - 60 Months
7.74% - 17.99% APR
61 - 84 Months
Model Year 2018 & Older
9.25% - 17.99% APR
0 - 60 Months
Motorcycles, ATVs, & UTVs Effective Date: Sunday, July 20th, 2025
Rate Term
Model Year 2023 & Newer
6.24% - 17.74% APR
0 - 35 Months
6.74% - 17.74% APR
36 - 60 Months
7.74% - 17.74% APR
61 - 84 Months
Model Year 2019 - 2021
6.99% - 17.99% APR
0 - 35 Months
7.99% - 17.99% APR
36 - 60 Months
8.99% - 17.99% APR
61 - 84 Months
Model Year 2018 & Older
10.50% - 18.00% APR
0 - 60 Months
Motor Homes, Travel Trailers, 5th Wheels & Boats Effective Date: Sunday, July 20th, 2025
Loan Amount Rate Term
Model Year 2023 & Newer
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 2019 - 2021
7.99% - 17.74% APR
0 - 35 Months
8.99% - 17.99% APR
36 - 83 Months
9.99% - 17.99% APR
84 - 120 Months*
10.99% - 17.99% APR
121 - 180 Months*
Model Year 2018 & Older
9.99%-18.00% APR
0 - 83 Months
10.99%-18.00% APR
84 - 120 Months*
*Restrictions may apply
Share Secured Loan Effective Date: Sunday, July 20th, 2025
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: Sunday, July 20th, 2025
Amount Rate Other Term
Signature and Personal Loans
Less than $1,000
11.00% - 18.00% APR
0 - 12 Months
$1,001 - $4,000
11.00% - 18.00% APR
13 - 36 months
$4,001 - $10,000
11.00% - 18.00% APR
37 - 59 months
$10,001 - $30,000
11.00% - 18.00% APR
60 months
Line of Credits -Do not qualify for Rate Rewards
11.25% - 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 - Not applicable for share secured loans
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