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%) |
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 |
| 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 |
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 | 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% |
Not subject to all available rate discounts. Rates disclosed are as low as, with a credit score of 700 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 | 3.00% | 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 |
*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. 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.
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.
General Disclosure:
*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.