SIGN IN | APPLY TODAY | REORDER CHECKS | ROUTING #:222379085 | | HOLIDAY SCHEDULE

Loan Rates

Rates Effective 8/21/2023

APR represents Annual Percentage Rate. Tiers: A, B, C, D

Loan Type690+640 – 689600 – 639< 600
New Auto Loans5.99%7.99%9.99%14.19%
Used Auto Loans6.49%8.49%10.49%15.49%
Personal Loans9.24%10.24%12.24%16.24%
Miscellaneous Secured Loans*8.25%9.25%11.25%13.75%
Share Secured Loans3.00%3.00%3.00%3.50%

New Autos are defined as current model year and previous model year

Misc Loans are for ATV’s, snowmobiles, lawn mowers, tractors, jet skis, and campers without a title

first time auto buyer

First Time Auto Buyers

Get Up to 60 Months at 10.49% APR!*

This product is for an applicant that wishes to purchase an automobile for the first time and they do not have a co-signer.

  • Must be at their job for at least 1 year
  • Must make at least $15,000
  • No credit required; however, no outstanding derogatory credit is allowed or unpaid collections
  • Must have a down payment. CFCU will finance up to 95% of the NADA retail selling price
  • Vehicle will need to be fully insured with collision, comprehensive and liability, a deductible of $500 or less
  • Maximum Loan Amount $25,000

Camper/Boat/RV Rates

A 690+48-60 Months61-84 Months85-120 Months121-144 Months
$10,000 – $14,9998.24%8.49%
$15,000 – $24,9997.49%7.74%7.99%
$25,000 – $49,9997.24%7.49%7.74%7.99%
$50,000 – $74,9996.99%7.24%7.49%7.74%
B 640 – 68948-60 Months61-84 Months85-120 Months121-144 Months
$10,000 – $14,9998.49%8.74%
$15,000 – $24,9997.74%7.99%8.24%
$25,000 – $49,9997.49%7.74%7.99%8.24%
$50,000 – $74,9997.24%7.49%7.74%7.99%
C 600 – 63948-60 Months61-84 Months85-120 Months121-144 Months
$10,000 – $14,99910.49%10.74%
$15,000 – $24,9999.74%9.99%10.24%
$25,000 – $49,9999.49%9.74%9.99%10.24%
$50,000 – $74,9999.24%9.49%9.74%9.99%
D <60048-60 Months61-84 Months85-120 Months121-144 Months
$10,000 – $14,99912.49%12.74%
$15,000 – $24,99911.74%11.99%12.24%
$25,000 – $49,99911.49%11.74%11.99%12.24%
$50,000 – $74,99911.24%11.49%11.74%11.99%

Fixed Rate Home Equity Loans (80% LTV)

Tier7 year10 year15 year
A6.49%6.99%7.49%
B7.49%7.99%8.49%
C8.49%8.99%9.49%
D10.49%10.99%11.49%

*when two members co-apply, the higher of the two credit scores is used to determine the rate.

*when there is a co-signer, the primary borrower’s score is used to determine the rate. 

*when there is no risk score, the “C” rate will be used

HELOCs Rate is Prime +.5% (80% LTV)

Tier15 year
A9.00%
B10.00%
C11.00%
D13.00%

Upon approval, the member will be granted a minimum line of credit of $10,000 to $120,000 maximum for a maximum term of fifteen (15) years; five (5) year draw, ten (10) year repayment.

The initial minimum advance must be at least $10,000.

The first five (5) years can be used as a draw period. During this period the member can make advances of at least $1000 but not more than the approved maximum credit limit.

Cobblestone Country Federal Credit Union 2024