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Loan Rates

Rates Effective 12/1/2022

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

Loan Type690+640 – 689600 – 639< 600
New Auto Loans3.99%5.99%7.99%12.50%
Used Auto Loans4.99%6.99%8.99%14.00%
Personal Loans8.00%9.00%11.00%15.00%
Miscellaneous Secured Loans*7.00%8.00%10.00%12.50%
Share Secured Loans3.00%3.00%3.00%3.50%
Camper Boat & RV Loans5.49%5.74%7.74%9.74%

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 8.99% 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

Fixed Rate Home Equity Loans (80% LTV)

Tier7 year10 year15 year
A5.25%5.50%5.75%
B6.25%6.50%6.75%
C7.25%7.50%7.75%
D9.25%9.50%9.75%

*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

Cobblestone Country Federal Credit Union 2023