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Loan Rates

Rates Effective 4/28/2023

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

Loan Type690+640 – 689600 – 639< 600
New Auto Loans4.49%6.49%8.49%13.00%
Used Auto Loans5.49%7.49%9.49%14.50%
Personal Loans8.50%9.50%11.50%15.50%
Miscellaneous Secured Loans*7.50%8.50%10.50%13.00%
Share Secured Loans3.00%3.00%3.00%3.50%

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

Vehicles over $25,000 may be taken out for 72 months at rate + .5%

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 9.49% 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

Camper/Boat/RV Rates

A 690+48-60 Months61-84 Months85-120 Months121-144 Months
$10,000 – $14,9997.24%7.49%
$15,000 – $24,9996.49%6.74%6.99%
$25,000 – $49,9996.24%6.49%6.74%6.99%
$50,000 – $74,9995.99%6.24%6.49%6.74%
B 640 – 68948-60 Months61-84 Months85-120 Months121-144 Months
$10,000 – $14,9997.49%7.74%
$15,000 – $24,9996.74%6.99%7.24%
$25,000 – $49,9996.49%6.74%6.99%7.24%
$50,000 – $74,9996.24%6.49%6.74%6.99%
C 600 – 63948-60 Months61-84 Months85-120 Months121-144 Months
$10,000 – $14,9999.49%9.74%
$15,000 – $24,9998.74%8.99%9.24%
$25,000 – $49,9998.49%8.74%8.99%9.24%
$50,000 – $74,9998.24%8.49%8.74%8.99%
D <60048-60 Months61-84 Months85-120 Months121-144 Months
$10,000 – $14,99911.49%11.74%
$15,000 – $24,99910.74%10.99%11.24%
$25,000 – $49,99910.49%10.74%10.99%11.24%
$50,000 – $74,99910.24%10.49%10.74%10.99%

Fixed Rate Home Equity Loans (80% LTV)

Tier7 year10 year15 year
A5.99%6.24%6.49%
B6.99%7.24%7.49%
C7.99%8.24%8.49%
D9.99%10.24%10.49%

*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
A8.50%
B9.50%
C10.50%
D12.50%

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 2023