Loan Rates

Effective November 28, 2014

Deposit Rates |  Fees  | Print Loan Rates

Loan rates with County Schools Federal Credit Union cover new and used cars, trucks, recreational vehicles, and many other consumer loans. Take advantage of the loan rates offered by CSFCU, a not-for-profit financial cooperative, ready to assist you!

First Time Buyer Program
New/Used AutoTerm of LoanLoan AmountAnnual Percentage Rate*
New Auto 24-60 month $5,000-$15,000 As Low As 9.75%
Used Auto 24-60 month $5,000-$15,000 As Low As 9.75%
Example: $15,000 new auto loan with 60 month term 9.75% APR* the loan payment per month is $316.96.
FAST Track Auto Program
New/Used AutoTerm of LoanLoan AmountAnnual Percentage Rate*
New Auto 24-60 month $5,000-$35,000 As Low As 1.99%
Used Auto 24-60 month $5,000-$35,000 As Low As 3.99%
Example: $15,000 new auto loan with 60 month term and 1.99% APR* the loan payment per month is $262.85.
   
Auto Lending Program: New Auto
Amount FinancedTerm of LoanLoan AmountAnnual Percentage Rate*
Up to 130% 24-65 Months $5,000-$75,000 As Low As 3.00%
Up to 130% 66-72 Months $15,000-$75,000 As Low As 3.75%
Up to 130% 73-84 Months $25,000-$75,000 As Low As 4.75%
Example: $15,000 used auto loan with 60 month term and 3.00% APR* the loan payment per month is $269.56.
Used Auto Loans
Amount FinancedTerm of LoanLoan AmountAnnual Percentage Rate*
Up to 125% 24-65 Months $5,000-$60,000 As Low As 3.50%
Up to 125% 66-72 Months $12,000-$60,000 As Low As 4.25%
Up to 125% 73-84 Months $22,000-$60,000 As Low As 5.25%
Example: $15,000 used auto loan with 60 month term and 3.50% APR*
the loan payment per month is $272.91.
Motor Home Program
New/UsedTerm of LoanLoan AmountAnnual Percentage Rate*
New 24-84 month $5,000-$75,000 As Low As 7.50%
Used 24-84 month $5,000-$60,000 As Low As 8.00%
Example: $15,000 new motor home loan with 60 month term and 7.50% APR* the loan payment per month is $300.65.
 
Home Loans
Home LoanTerm
Home Loan Loan subject to underwriting from our Business Partner Midwest Loan Services
 
Home Equity Line of Credit (HELOC)
Home Line of CreditAPRTerm
HELOC (Fixed) As Low As 6.5% Up to 15 year term
HELOC (Variable) Prime with floor of 4.5% Up to 25 year term
Example: $200,000 loan amount at .0550% best APR* variable rate, 25 year-term, the monthly payment is $1,228.73
Personal Loans
10.50% APR*
Example: $1,000 personal loan with 12 month term and 10.50% APR*
the loan payment per month is $88.34.
Overdraft Protection Loan
Revolving - 14.90% APR*
Example: $500 overdraft protection loan with 12 month term and 14.90% APR*
the loan payment per month is minimum $25.00 or 17% of balance; whichever is greater.
Share Secure Loans
3.05% APR* Above Current Share Rate
  • *APR= Annual Percentage Rate. Rate depends on credit qualifications and approval.
  • Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.
  • Higher interest rates may apply for each category of loan depending on the member's individual credit information.
  • All loans are subject to underwriting guidelines and are subject to approval.
  • Gap insurance might be available for higher approvals.