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 Auto Loan Rates
(Vehicles, Trucks, Snowmobiles, ATVs, UTVs and Jetskis)
Auto Loans (Includes Cars, Trucks, Motorcycles and Seasonal Vehicles)
| Term | up to 36 Months APR* | 48 Month APR* | 60 Month APR* | 72 Month APR* | 84 Month APR* |
| 2016 and newer | 1.89% | 1.89% | 1.89% | 2.24% | 3.49% |
| 2013 - 2015 | 2.99% | 2.99% | 2.99% | 3.99% | NA |
| 2009 - 2012 | 4.74% | 5.24% | NA | NA | NA |
| 2008 and older | 5.74% | NA | NA | NA | NA |
Recreational Vehicles and Boats
| Term | 60 Month APR* | 84 Month APR* | 120 Month APR* | 144 Month APR* | 180 Month APR* |
| 2017 and newer | 3.74% | 3.74% | 4.74% | 4.74% | 4.74% |
| 2013 - 2016 | 4.74% | 5.24% | 6.49% | 6.49% | NA |
| 2009 - 2012 | 5.99% | 6.49% | 7.49% | NA | NA |
Payment Example:$25,000 @ 3.74% for 60 months = 60 payments of $457.55/month
Trailers
| Term | 60 Months |
| 2015 and newer | 3.99% |
Payment Example:$15,000 @ 3.99% for 60 months = 60 payments of $276.23/month
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 | Monthly Payment Per $1,000 |
| 72 Months | 6.95% | $17.03 |
Line of Credit
| Term = Revolving | APR* |
| Payment based on credit line | as low as 13.25% |
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 |
*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.
CRFCU Home Equity Loan Rates
Home Equity Line of Credits
| Line of Credit Type | Repayment Term | APR* as low as | Monthly Payment Per $1000 |
| 1 Year Adjustable** | 300 | 2.99% | $4.74 |
| 3 Year Adjustable*** | 180 | 4.50% | $7.66 |
| Fixed Rate | 120 | 4.00% | $10.13 |
| Interest Only**** | 300 | Prime - .25% | Interest =$2.55 |
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 | Monthly payment per $1,000 |
| Up to 120 months | 3.25% | 70% | $9.78 |
| Up to 180 months | 3.50% | 70% | $7.15 |
*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.