Rate Discounts are available for Military, Veterans, LEO, FF and EMS on certain Loan products. Speak to a Financial Services Representative to see if you qualify.
CRFCU Vehicle Loan Rates*
All rates quoted are as low as and include a 0.25% discount for automatic payments. Individuals with less than excellent credit may be offered a higher rate.
AUTO & MOTORCYCLE LOANS
TERM | 24 MONTHS APR* | 36 MONTHS APR* | 48 MONTHS APR* | 60 MONTHS APR* | 72 MONTHS APR* | 84 MONTHS APR* |
2017 and newer | 1.74%+ | 1.74%+ | 1.74%+ | 1.74%+ | 1.74%+ | 3.49% |
2014 - 2016 | 3.29% | 3.29% | 3.29% | 3.49% | 3.99% | NA |
2010 - 2013 | 5.79% | 6.29% | 6.59% | NA | NA | NA |
POWERSPORTS (includes ATV/UTV/Snowmobile/Jet Ski/Dirt Bikes)
TERM | 24 MONTHS APR* | 36 MONTHS APR* | 48 MONTHS APR* | 60 MONTHS APR* | 72 MONTHS APR* |
2017 and newer | 2.99% | 3.24% | 3.49% | 3.79% | 4.79% |
2014 to 2016 | 4.74% | 5.24% | 5.24% | 6.24% | NA |
RECREATIONAL VECHICLES (RVs & Boats)
TERM | 60 MONTHS APR* | 84 MONTHS APR* | 120 MONTHS APR* | 144 MONTHS APR* | 180 MONTHS APR* |
2013 and newer | 3.99% | 4.09% | 4.99% | 5.49% | 5.49% |
2000- 2012 | 5.49% | 6.22% | 7.74% | 7.74% | NA |
TRAILERS
TERM | 60 MONTHS APR* |
2015 and newer | 5.24% |
CRFCU Personal Loan Rates
Secured Personal Loan
Terms up to | APR* as low as | Monthly Payment Per $1,000 |
72 Months | 6.55% | $16.83 |
Share Secured Loan
Terms up to | APR* as low as | Monthly Payment Per $1,000 |
144 Month | 3% of highest share rate, rounded to the nearest .25% | $8.40 (example is based on 3.25%) |
Share Certificate Secure Loan
Term | APR* as low as | Monthly Payment Per $1,000 |
Based on certificate maturity date | 2% over certificate rate, rounded to nearest .25% | Varies |
Unsecured Personal Loan
Terms up to | APR* as low as |
72 Months | 6.70% |
Line of Credit
Account Type | APR | Repayment Period | Max Amount |
Unsecured Line of Credit | 13.25% | Revolving | $15,000 |
Holiday Quick Cash Loan
Term | APR* | Monthly Payment Per $1,000 |
12 month | 5.99% | $86.06 |
Holiday Bill Payer Loan
Term | APR* as low as | Monthly Payment Per $1,000 |
48 Month | 8.95% | $20.74 |
Visa Credit Card
Term | APR* | Monthly Payment Per $1,000 |
Revolving | Click here for individual card rates | Based on credit rate |
CRFCU Home Equity Loan Rates
Home Equity Line of Credits
Line of Credit Type | Repayment Term | APR* as low as | Max Amount | Details |
1 Year Adjustable** | 10 year Draw / 25 year Repayment | 2.99% | Maximum HELOC: $250,000 in 1st lien position / $100,000 in 2nd lien position | Maximum CLTV = 85% |
3 Year Adjustable*** | 6 year draw / 15 year repayment | 4.50% | Maximum HELOC: $250,000 in 1st lien position / $100,000 in 2nd lien position | Maximum CLTV = 85% |
Fixed Rate | 3 year draw/ up to 20 year repayment | 4.00% | Maximum HELOC: $250,000 in 1st lien position / $100,000 in 2nd lien position | Maximum CLTV = 85% |
Home Equity Rates Fixed
Term | APR* as low as | Loan to Value | Monthly Payment Per $1,000 |
Up to 120 Months | 3.00% | up to 80% | $9.66 |
Up to 180 Months | 3.25% | up to 80% | $7.03 |
Up to 240 Months | 3.50% | up to 80% | $5.81 |
Residential Investment Property
Term | APR* as low as | Loan to Value Up To | Max Loan Amount |
Up to 120 months | 3.25% | 70% | MAXIMUM LOAN = $350,000 1st Lien Position |
Up to 180 months | 3.50% | 70% | MAXIMUM LOAN = $350,000 1st Lien Position |
*APR=Annual Percentage Rate. Not subject to all available rate discounts. Rates disclosed are as low as, with a credit score of 700 and up. Rate, terms and conditions are subject to change without notice and may vary based on actual creditworthiness and collateral conditions. Maximum rate is 18%. All loans are subject to review. Rates are effective as of today’s date.
*APR = Annual Percentage Rate. Rates listed include a 0.25% discount for opting into automatic payments. Rates disclosed are as low as, with a credit score of 750 and up. Rates, terms, and conditions are subject to change without notice and may vary based on actual creditworthiness and collateral conditions. Maximum rate is 18%. All loans are subject to review. Rates are effective as of today’s date.