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 Loan Rates
Auto, Home Equity and Personal Loans
CRFCU Auto and Adventure Vehicle Loan Rates
Auto Loans (Includes Cars, Trucks, Motorcycles and Seasonal Vehicles)
| Term | 36 Month APR* | 48 Month APR* | 60 Month APR* | 72 Month APR* | 84 Month APR* |
| 2014 and newer | 1.99% | 2.24% | 2.24% | 2.74% | 3.24% |
| 2010 - 2013 | 2.49% | 2.74% | 2.74% | 3.74% | NA |
| 2006 - 2009 | 4.09% | 4.59% | NA | NA | NA |
| 2005 and older | 5.09% | NA | NA | NA | NA |
Payment Example:$25,000 @ 2.24% for 60 months = 60 payments of $440.77/month
Recreational Vehicles and Boats
| Term | 60 Month APR* | 84 Month APR* | 120 Month APR* | 180 Month APR* |
| 2014 and newer | 3.74% | 4.24% | 5.24% | 6.74% |
| 2010 - 2013 | 4.74% | 5.24% | 6.24% | 7.24% |
| 2006 - 2009 | 5.74% | 6.24% | 7.24% | NA |
Payment Example:$25,000 @ 3.74% for 60 months = 60 payments of $457.39/month
Trailers
| Terms up to | 60 Months |
| 2014 and newer | as low as 3.74% APR* |
Payment Example:$15,000 @ 3.74% for 60 months = 60 payments of $274.43/month
CRFCU Personal Loan Rates
Secured Personal Loan
| Terms up to | APR* as low as | Monthly Payment Per $1,000 |
| 72 months | 8.00% | $17.53 |
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%) |
Not subject to all available rate discounts.
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 |
Not subject to all available rate discounts.
Unsecured Personal Loan
| Terms up to | APR* as low as | Monthly Payment Per $1,000 |
| 72 Month | 8.45% | $17.75 |
Line of Credit
| Term = Revolving | APR* |
| Payment based on credit line | as low as 13.00% |
Holiday Quick Cash Loan
| Terms up to | APR* | Monthly Payment Per $1,000 |
| 12 month | Determined Annually | $86.03 (based on 5.99%) |
This loan product is only offered between October 1 and December 31. Not subject to all available rate discounts.
Holiday Bill Payer Loan
| Term | APR* as low as | Monthly Payment Per $1,000 |
| 48 Month | 8.95% | $20.74 |
This loan product is only offered between January 1 and February 28.
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 | Monthly Payment Per $1000 |
| 1 Year Adjustable** | 300 | 2.99% | $4.74 |
| 3 Year Adjustable*** | 180 | 4.50% | $7.66 |
| Fixed Rate | 120 | 4.50% | $10.37 |
| Interest Only**** | 300 | Prime - .25% | Interest =$3.82 |
† APR = Annual Percentage Rate. Not subject to all available rate discounts. 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. All variable rates are associated with the Wall Street Journal Prime Rate plus or minus the assigned margin. *APR = Annual Percentage Rate – refer to the general disclosure for more details. **1 Year Adjustable has an introductory rate for the first (12) twelve months; annual rate change thereafter. ***3 Year Adjustable is subject to adjust every (3) three years. ****Interest Only is subject to adjust monthly; interest only payments are required for the first (5) five years.
Home Equity Rates Fixed
| Term | APR+ as low as | Loan to Value | Monthly Payment Per $1,000 |
| Up to 120 Months | 3.24% | 50% | $9.77 |
| Up to 180 Months | 3.49% | 50% | $7.15 |
| Up to 240 Months | 3.99% | 50% | $6.06 |
†APR = Annual Percentage Rate. Not subject to all available rate discounts. 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.
General Disclosure:
*APR = Annual Percentage Rate. Rates listed include a 0.50% discount for opting into automatic payments with an active checking account and direct deposit with CRFCU, unless otherwise noted. 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.