Home | How to Join | Branch Locations | Shared Branching | Contact Us

Loan Rates

Effective April 17, 2014

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 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). *Including discounts, rate floor is 2.69% APR.

New Vehicle
New Vehicle  (2014-2013)
APR Term
2.99% Up to 36 months
3.09% Up to 48 months
3.20% Up to 60 months
3.40% Up to 72 months
4.00% Up to 84 months
Used Vehicle
1-5 Yr. Old Vehicle  (2013-2009)
APR Term
2.99% Up to 36 months
3.09% Up to 48 months
3.20% Up to 60 months
3.40% Up to 72 months
4.00% Up to 84 months
Used Vehicle 
6-8 Yr. Old Vehicle (2008-2006)
APR Term
5.10% Up to 36 months
5.20% Up to 48 months
5.30% Up to 60 months
5.40% Up to 72 months
5.50% Up to 84 months
   
Used Vehicle
Over 8 Yr. Old Vehicle (2005-Older)
APR Term
8.10% Up to 36 months
New Motorcycle
New Motorcycle  (2014-2013)
APR Term
5.00% Up to 36 months
5.25% Up to 48 months
5.50% Up to 60 months
5.75% Up to 72 months
6.00% Up to 84 months
Used Motorcycle
1-5 Yr. Old Motorcycle  (2013-2009)
APR Term
5.25% Up to 36 months
5.50% Up to 48 months
5.75% Up to 60 months
6.00% Up to 72 months
6.25% Up to 84 months
Used Motorcycle
6-8 Yr. Old Motorcycle (2008-2006)
APR Term
6.00% Up to 36 months
6.25% Up to 48 months
6.50% Up to 60 months
6.75% Up to 72 months
7.00% Up to 84 months
   
Used Motorcycle
Over 8 Yr. Old Motorcycle (2005-Older)
APR Term
12.50% Up to 36 months
Recreational Vehicle
New Vehicle (2014-2013)
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
Recreational Vehicle
1-5 Yr. Old Vehicle (2013-2009)
APR Term
9.00% Up to 36 months
9.25% Up to 48 months
9.50% Up to 60 months
10.50% Up to 84 months
11.50% Up to 120 months
Recreational Vehicle
6-8 Yr. Old Vehicle (2008-2006)
APR Term
9.25% Up to 36 months
9.50% Up to 48 months
10.75% Up to 60 months
11.00% Up to 84 months
Recreational Vehicle
Over 8 Yr. Old Vehicle (2005-Older)
APR Term
13.50% Up to 60 months
13.75% 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!
 

Route 66 Extended Warranty

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

Call a loan officer for information

 

1st Mortgage Refinance
$10,000 Minimum New Money Borrowed / Up to 80% of Value
           
APR Term Application Fee
3.750% Up to 60 months 1.0 pt/$500 Min.
4.250% Up to 84 months 1.0 pt/$500 Min.
5.500% Up to 120 months 1.0 pt/$500 Min.
6.500% 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
4.50% 4.75% 36 months
4.75% 5.00% 60 months
5.00% 5.25% 84 months
5.25% 5.50% 120 months
     

Balloon -
$10,000 Min. new Money Borrowed/ Up to 80% LTV          

   
2.95%   36 months
3.35%   60 months
Home Equity Line of Credit
$5,000 Minimum Limit
4.25% (WSJ* Prime + .50) Up to 80% value
4.50% (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
Savings rate plus 2.00% APR. Subject to a variable rate. Up to 120 months
Certificate Secured Loan
APR Terms
Certificate rate plus 2.00% APR. Subject to a variable rate. Up to 120 months
Signature Loan
APR Terms  
9.25% Up to 12 months  
9.75% Up to 24 months  
10.25% Up to 36 months  
10.75% Up to 48 months  
11.25% Up to 60 months  
Credit Builder Loan
APR Terms
Certificate rate plus 5% APR. 6 to 60 months available
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)
$5.00 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.