Available rates as of .
Standard Vehicle Rates
Apply For A Vehicle Loan
Model Year | LTV footnote 1 < = 100% | Standard Term (Months) | Monthly payment per $1,000 |
|---|---|---|---|
| 2024 AND NEWER | 5.74% | 66 | $17.70 |
| 2022-2023 | 5.74% | 66 | $17.70 |
| 2020-2021 | 5.89% | 60 | $19.28 |
| 2019 | 6.09% | 60 | $19.37 |
| 2018 | 6.39% | 60 | $19.51 |
| 2017 | 7.29% | 48 | $24.08 |
| 2016 AND OLDER | 9.79% | 36 | $32.17 |
1. LTV = Loan-to-Value
The rates, terms, and up to 100% financing on vehicle loans are available to well-qualified borrowers. Terms are also subject to limitation based on vehicle model year.
In-house refinances are excluded.
Recreational Vehicle & Boat
Apply For A RV/Boat Loan
Model Year | LTV footnote 1 < = 100% | Standard Term (Months) | Monthly payment per $1,000 |
|---|---|---|---|
| 2022 AND NEWER | 7.74% | 72 | $17.41 |
| 2018-2021 | 8.04% | 72 | $17.55 |
| 2015-2017 | 8.54% | 72 | $17.80 |
| 2014 AND OLDER | 9.54% | 72 | $18.29 |
1. LTV = Loan-to-Value
The rates, terms, and up to 100% financing on recreational loans are available to well-qualified borrowers. Terms are also subject to limitation based on model year. Contact CEFCU for details. Rate, term, and amount financed subject to credit approval.
In-house refinances are excluded.
Motorcycles
Apply For A Motorcycle Loan
Model Year | LTV footnote 1 < = 100% | Standard Term (Months) | Monthly payment per $1,000 |
|---|---|---|---|
| 2022 AND NEWER | 7.74% | 48 | $24.29 |
| 2018-2021 | 8.54% | 48 | $24.67 |
| 2015-2017 | 9.04% | 48 | $24.90 |
| 2014 AND OLDER | 10.04% | 36 | $32.29 |
1. LTV = Loan-to-Value
The rates, terms, and up to 100% financing on motorcycle loans are available to well-qualified borrowers. Terms are also subject to limitation based on model year. Contact CEFCU for details. Rate, term, and amount financed subject to credit approval.
In-house refinances are excluded.
Private Student Loan
Apply For A Private Student Loan opens a modal
| Type | APR footnote 2 |
|---|---|
| PRIVATE STUDENT LOAN (Variable Rate) | 9.25% |
2. This is a variable rate available to qualified borrowers. The annual percentage rate may vary quarterly based on the Prime Rate, published in the Wall Street Journal.
Consolidation Student Loan
Apply For A Consolidation Loan opens a modal
| Type | APR footnote 2 |
|---|---|
| PRIVATE STUDENT LOAN (Variable Rate) | 9.25% |
2. This is a variable rate available to qualified borrowers. The annual percentage rate may vary quarterly based on the Prime Rate, published in the Wall Street Journal.
Other Consumer
Apply For A Loan
Loan Type | APR footnote 3 |
|---|---|
| PERSONAL (SECURED WITH SAVINGS 01-36) | 5.49% |
| PERSONAL (SECURED WITH SAVINGS 37-48) | 5.74% |
| PERSONAL (UNSECURED) | 11.25% |
| SINGLE PAYMENT NOTE (SECURED WITH SAVINGS) | 5.49% |
| SINGLE PAYMENT NOTE (SECURED) | 10.25% |
| SINGLE PAYMENT NOTE (UNSECURED) | 13.25% |
3. Rate available to well-qualified borrowers. Term varies based on principal amount borrowed. Minimum loan amount $1,000.
Hybrid Home Equity Line of Credit (HELOC)
Apply for a Hybrid HELOC
| APR | |
|---|---|
| As Low As 8.50% footnote 4 | |
- To qualify, your potential line of credit must be a minimum of $5,000, and it can be as high as 90% of the appraised value of your home (minus your first mortgage balance).
- The annual percentage rate will not go above 18% APR.
- The annual percentage rate will not fall below 2.99% APR.
- You must carry insurance on the property that secures this plan.
- CEFCU’s closing cost assistance offer is available for a limited time for qualified CEFCU members in good standing who are opening a Hybrid Home Equity Line of Credit of $10,000 or more using their owner-occupied home as collateral. To qualify, the home being used as collateral may not be for sale; Bridge Loans and Lot Loans are not eligible for closing cost assistance. Property insurance is required and not included in closing costs. Closing cost assistance excludes Transfer Taxes or Mortgage/Intangible Taxes (applicable in certain states but not applicable to Illinois or California properties). Contact CEFCU for details, including more specific information about third-party fees.
- Hybrid HELOC is available in every state but Texas. Home Equity lending not available in Texas.
- Consult a tax advisor regarding the deductibility of interest.
- Amortization on the following amounts is as follows: $1,000 to $10,000 — five years; $10,001 to $25,000 — 10 years; $25,001 and more — 15 years. Minimum monthly payment amount for credit line balance is $100.
4. This initial rate will be in effect until 6/30/2024, and at the credit union's option, for a longer period of time. The annual percentage rate may vary quarterly and is based on the Prime Rate published in the Wall Street Journal and available to us as of 3/15/2024. Your final qualifying rate will be determined by credit profile and amount borrowed in relation to home's value.
