Rate Discounts are available for Military, Veterans, LEO, FF and EMS. Speak to a Financial Services Representative or see if you qualify.
Auto Loan
| Term | 36 Month APR* | 48 Month APR* | 60 Month APR* | 72 Month APR* | 84 Month APR* |
| 2013 and newer | 1.74% | 1.99% | 1.99% | 2.49% | 2.99% |
| 2009 - 2012 | 2.24% | 2.49% | 2.49% | 3.49% | NA |
| 2006 - 2008 | 3.84% | 4.34% | NA | NA | NA |
| 2005 and older | 4.84% | NA | NA | NA | NA |
Payment Example:$25,000 @ 1.99% for 60 months = 60 payments of $438.08/month
*APR = Annual Percentage Rate. Auto Loan Offers listed herein are for credit qualifying CRFCU members for new/used vehicle loans effective 1/5/16. Rates listed include a .50% discount for having auto payments along with a CRFCU checking account with direct deposit. Rates listed are for credit scores of 730+. Other rates and terms available. Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness and collateral conditions. All loans are subject to approval. CRFCU reserves the right to alter or withdraw these offers or certain features thereof without prior notification.
Recreational Vehicles
| Term | 60 Month APR* | 84 Month APR* | 120 Month APR* | 180 Month APR* |
| 2013 and newer | 4.24% | 4.74% | 5.74% | 7.24% |
| 2009 - 2012 | 5.24% | 5.74% | 6.74% | 7.74% |
| 2006 - 2008 | 6.24% | 6.74% | 7.74% | NA |
Payment Example:$25,000 @ 3.75% for 60 months = 60 payments of $539.06/month
*APR = Annual Percentage Rate. RV Offers listed herein are for credit qualifying CRFCU members for new/used vehicle loans effective 1/5/16. Rates listed are for credit scores of 730+. Other rates and terms available. Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness and collateral conditions. All loans are subject to approval. CRFCU reserves the right to alter or withdraw these offers or certain features thereof without prior notification.
Secured Personal Loan
| Term | APR* | Monthly Payment Per $1,000 |
| 72 months | 8.50% | $17.78 |
Share Secured Loan
| Term | APR* | Monthly Payment Per $1,000 |
| 144 Month | 3% over the highest share rate | $8.40 |
Share Certificate Secure Loan
| Term | APR* | Monthly Payment Per $1,000 |
| Based on certificate maturity date | 2% over certificate rate, rounded to nearest .25% | Varies |
Unsecured Personal Loan
| Term | APR* | Monthly Payment Per $1,000 |
| 72 Month | 8.95% | $18.01 |
Teen Personal Loan
| Term | APR* | Monthly Payment Per $500 |
| 12 Month | 5.99% | $43.04 |
*APR = Annual Percentage Rate. Personal Loan Offers listed herein are for credit qualifying CRFCU members with credit scores of 730+. Other rates and terms available. Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness and collateral conditions. All loans are subject to approval. CRFCU reserves the right to alter or withdraw these offers or certain features thereof without prior notification.
| Line of Credit Type | Repayment Term | APR* | 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% | $5.15 |
Home Equity Rates Fixed
| Term | APR* | Loan to Value | Monthly Payment Per $1,000 |
| Up to 120 Month | 2.99% | 50% | $9.65 |
| 180 Month | 3.24% | 50% | $7.02 |
| 240 Month | 3.74% | 50% | $5.92 |
Line of Credit
| Term | APR* |
| Payment based on credit line | As low as 13.50% |
Visa Credit Card
| Term | APR* | Monthly Payment Per $1,000 |
| Payment based on credit line | As low as Prime Rate + 3.99% | $86.87 |
Holiday Quick Cash Loan
| Term | APR* | Monthly Payment Per $1,000 |
| 12 month | Determined Annually | $86.07 |
This loan product is only offered between October 1 and December 31. .50% APR discount and Skip-A-Payment does not apply.
Holiday Bill Payer Loan
| Term | APR* | Monthly Payment Per $1,000 |
| 48 Month | 8.95% | $20.74 |
This loan product is only offered between January 1 and February 28. .50% APR discount and Skip-A-Payment does not apply.
*APR = Annual Percentage Rate. Your rate will depend upon your credit worthiness, collateral condition, and terms of your loan. All rates listed are for 730+ credit score. All rates, terms and conditions are subject to change without notice and all loans are subject to approval. CRFCU reserves the right to alter or withdrawal these offers or certain features without prior notification. No Closing Costs except the mandatory NYS Mortgage Tax. **1 Year Adjustable has an introductory rate for the first 12 months; annual rate change thereafter. ***3 Year Adjustable is subject to adjust every three years. ****Interest Only Adjustable is subject to adjust monthly; interest only payments required for the first five years. All variable rates are associated with the Wall Street Journal Prime Rate and assigned margin. Floor rates are determined on credit worthiness, collateral condition, and terms of your loan. Ceiling and lifetime rate caps are 18%. Your interest may be tax deductible, consult your tax advisor for more information.
