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)
APR	Term
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)
APR	Term
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)
APR	Term
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)
APR	Term
7.99%	Up to 36 months
*Motorcycle Loan: $5,000 min. and tagged for street use.

New Recreational Vehicle Secured Loan New Vehicle (2011-2010)
APR	Term
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)
APR	Term
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)
APR	Term
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)
APR	Term
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.
 

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. A vehicle used for business, but titled personally, is eligible for coverage.

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
APR	Term	Application Fee
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
≤ 80% of value	≤ 90% of value	Term
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

VISA® Credit Card
Interest Rates	Account Opening Disclosures
9.9% APR	View Disclosure
13.8% APR	View Disclosure
15.96% APR	View Disclosure
18% APR	View Disclosure

Savings Secured Loan
APR	Terms
2.99%	Up to 120 months

Certificate Secured Loan
APR	Terms
Variable rate; call for details	Up to 120 months

Membership Secured Loan
APR	Terms	Maximum Amt.
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
Fee	Description
$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.