Loan Rates
Effective February 1, 2012
Vehicle Loans
Visit CFFCU first and let us pre-qualify you for a vehicle loan. Knowing how much you can afford and knowing you have the financing in place puts you in the best possible position to bargain with a dealer. With money saving rates and friendly, local service from people you know you can trust, CFFCU is the right place to finance your vehicle purchase with up to 100% financing. We take the guesswork out of vehicle purchasing and financing.
A one year , $1,000 loan with an APR of 7% would require 12 monthly payments of $87.
All rates quoted as an annual percentage rate (APR).
New Vehicle or Motorcycle* Secured Loan
New Vehicle - SPECIAL (2011-2012) |
| 3.24% |
Up to 36 months |
| 3.24% |
Up to 48 months |
| 3.24% |
Up to 60 months |
| 3.24% |
Up to 72 months |
Used Vehicle or Motorcycle* Secured Loan
1-5 Yr. Old Vehicle - SPECIAL (2010-2006) |
| 3.24% |
Up to 36 months |
| 3.24% |
Up to 48 months |
| 3.24% |
Up to 60 months |
| 3.24% |
Up to 72 months |
Used Vehicle or Motorcycle* Secured Loan
6-8 Yr. Old Vehicle (2005-2003) |
| 4.99% |
Up to 36 months |
| 4.99% |
Up to 48 months |
| 4.99% |
Up to 60 months |
Used Vehicle or Motorcycle* Secured Loan
Over 8 Yr. Old Vehicle (2002-Older) |
| 7.99% |
Up to 36 months |
New Recreational Vehicle Secured Loan
New Vehicle (2011-2010) |
| 8.25% |
Up to 36 months |
| 8.50% |
Up to 48 months |
| 8.75% |
Up to 60 months |
| 9.75% |
Up to 84 months |
| 10.75% |
Up to 120 months |
Used Recreational Vehicle Secured Loan
1-5 Yr. Old Vehicle (2010-2006) |
| 8.75% |
Up to 36 months |
| 9.00% |
Up to 48 months |
| 9.25% |
Up to 60 months |
| 10.25% |
Up to 84 months |
| 11.25% |
Up to 120 months |
Used Recreational Vehicle Secured Loan
6-8 Yr. Old Vehicle (2005-2003) |
| 9.25% |
Up to 36 months |
| 9.50% |
Up to 48 months |
| 9.75% |
Up to 60 months |
| 10.75% |
Up to 84 months |
Used Recreational Vehicle Secured Loan
Over 7 Yr. Old Vehicle (2002-Older) |
| 10.25% |
Up to 60 months |
| 11.25% |
Up to 84 months |
Now Get Credit Union Auto Financing Right at the Dealership!
Seven days a week, including holidays, Catholic Family Federal Credit Union can approve your new or used auto loan while you are at the dealership, and without visiting your credit union branch. It’s almost like having a loan officer right at the dealership with you!
Over 120 different makes and models of sedans, minivans, trucks and SUVs. Prices are guaranteed to be below NADA and Kelley Blue Book retail.
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Make your personal vehicle purchase worry-free by adding CFFCU's extended warranty. Choose from three different levels of coverage and protect yourself from expensive auto repairs.
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Real Estate Loans
1st Mortgage Purchase Money for Primary Residence - Ask a loan officer for details
Call for Rates 180 months 1.0 pt/$500 Min. Application Fee
1st Mortgage Refinance
$10,000 Minimum New Money Borrowed / Up to 80% of Value |
| 3.240% |
Up to 60 months |
1.0 pt/$500 Min. |
| 3.740% |
Up to 84 months |
1.0 pt/$500 Min. |
| 4.240% |
Up to 120 months |
1.0 pt/$500 Min. |
| 4.740% |
Up to 180 months |
1.0 pt/$500 Min. |
2nd Mortgage / Home Equity
$2,500 Min. New Money Borrowed |
| 3.99% |
4.49% |
36 months |
| 4.49% |
4.99% |
60 months |
| 4.99% |
5.49% |
84 months |
| 5.49% |
5.99% |
120 months |
Home Equity Line of Credit
$5,000 Minimum Limit |
| 4.00% (WSJ* Prime + .50) |
Up to 80% value |
| 4.25% (WSJ* Prime + 1.00) |
Up to 90% value |
| Savings Secured Loan |
| 2.99% |
Up to 120 months |
| Certificate Secured Loan |
| Variable rate; call for details |
Up to 120 months |
| Membership Secured Loan |
| 9.25% |
Up to 12 months |
$10,000 |
| 9.75% |
Up to 24 months |
$10,000 |
| 10.25% |
Up to 36 months |
$10,000 |
| Loan/Security Fees |
| $5.00 |
Application fee for payment extension or change / release of collateral |
| $35.00 |
Minimum late payment fee if more than 10 days delinquent on consumer loan |
| $35.00 |
Minimum late payment fee if more than 10 days delinquent on a real estate loan |
| $30.00 |
Returned check fee |
| $11.50 |
Minimum security interest fee (vehicle loans) |
| $100.00 |
Minimum savings balance with outstanding loan(s) |
| $500.00 |
Maximum insurance deductible for vehicle secured loan over $1,500 |
| $1,000.00 |
Maximum insurance deductible for real estate secured loan |
| Varies |
Real estate related processing and closing costs |
Each loan or VISA request is reviewed on individual qualifications, which may increase the published rate. Credit Life Insurance and Credit Disability Insurance are available on Member Loans and VISA Credit Cards.
Food Drive Sponsor
Donated to St. Anthony Family Shelter for the homeless. Canned goods, paper items, personal care items or other non-perishable items. Bring at time of loan closing or any other time as well.