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FRAUDSTERS ARE CALLING PRETENDING TO BE FROM OUR DEBIT CARD FRAUD DEPARTMENT SPOOFING THE NUMBER ON THE BACK OF THE CARD. THE REAL FRAUD DEPARTMENT WILL NEVER ASK YOU FOR YOUR PIN. 

IF THEY ASK YOU FOR A PIN HANG UP AND MAKE YOUR CARD INACTIVE IN THE APP AND CONTACT US ASAP! 

Coconino Federal Credit Union Go to main content
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Loan Rates

 

Vehicles- New & Used
Effective Date: Friday, May 8th, 2026
RateTerm
Model Year 2024 & Newer
4.49% - 16.99% APR 0 - 35 Months
4.99% - 17.24% APR 36 - 60 Months
5.49% - 17.74% APR 61 - 72 Months
5.99% - 17.74% APR 73 - 84 Months
Model Year 2020 - 2023
5.24% - 17.74% APR 0 - 35 Months
6.24% - 17.99% APR 36 - 60 Months
6.49% - 17.99% APR 61 - 72 Months
7.24% - 17.99% APR 73 - 84 Months
Model Year 2019 & Older
8.75% - 17.99% APR 0 - 60 Months

Motorcycles, ATVs, & UTVs
Effective Date: Friday, May 8th, 2026
RateTerm
Model Year 2024 & Newer
6.24% - 17.74% APR 0 - 35 Months
6.74% - 17.74% APR 36 - 60 Months
7.24% - 17.99% APR 61 - 72 Months
7.74% - 17.99% APR 73 - 84 Months
Model Year 2020 - 2023
6.99% - 17.99% APR 0 - 35 Months
7.99% - 17.99% APR 36 - 60 Months
8.49% - 17.99% APR 61 - 72 Months
8.99% - 17.99% APR 73 - 84 Months
Model Year 2019 & Older
10.50% - 18.00% APR 0 - 60 Months

Motor Homes, Travel Trailers, 5th Wheels & Boats
Effective Date: Friday, May 8th, 2026
Loan AmountRateTerm
Model Year 2024 & 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*
  9.49% - 17.99% APR 121 - 144 Months
  9.99% - 17.99% APR 145 - 180 Months*
Model Year 2020 - 2023
  7.99% - 17.74% APR 0 - 35 Months
  8.99% - 17.99% APR 36 - 83 Months
  9.99% - 17.99% APR 84 - 120 Months*
  10.49% - 17.99% APR 121 - 144 Months
  10.99% - 17.99% APR 145 - 180 Months*
Model Year 2019 & 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: Friday, May 8th, 2026
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: Friday, May 8th, 2026
AmountRateOtherTerm
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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