|Since our beginning, CFCU's primary function was to establish a low-cost borrowing source for our members. Generally, CFCU loan rates are lower than most other lenders, and unlike most lenders, we don't add a lot of fees. We keep it simple, and we're committed to helping you get the right loan, the right rate, the most convenient terms. Because we're your credit union, we put your interests first.
When members apply for a loan in person, by phone, or by mail, CFCU's qualified Loan Officers assist in finding the financing that best meets individual needs. Unlike finance companies, CFCU uses the "simple-interest" finance charge method. Members save interest when they pay off loans ahead of schedule.
Other benefits of borrowing from the credit union include convenience of payroll deduction, automatic loan transfer, and credit insurance at affordable rates.
Use this convenient CALCULATOR to figure out factors such as payment amounts, loan terms, and more.
PERSONAL (SIGNATURE) LOANS
A consumer loan where the member's individual credit history, length of employment, and length of residence help determine a credit limit.
FIXED RATE - VISA CREDIT CARD
All VISA credit cards provide the same basic function - instant access to your credit line at thousands of locations around the world. What separates a CFCU VISA from the typical card is our fixed interest rates as low as 8.90% APR, no annual fee, and a 25-day grace period (which allows you to save interest charges on purchases by paying your monthly balance in full). Our card saves members hard-earned money every day.
Other unique features include overdraft protection, fee-free cash advances up to your credit limit (most banks charge 2% of the amount of the advance), automatic payments, and free e-Branch access. Use e-Branch to inquire on your VISA balance, transfer payments, make a cash advance from your VISA into your checking account, and review your VISA transaction history.
|The credit union industry's primary lending product since the 1950s, auto financing at CFCU is easy, fast, and always priced without hidden charges. We offer a variety of terms to meet our memberships' needs.
Because of the pressure of buying a new car, members often finance auto purchases through the dealer. CFCU excels at refinancing auto loans, and can save our members several hundred dollars on a typical refinance.
In conjunction with auto financing, members can purchase new and near-new autos through Auto Solution Inc., a car buying service offering CFCU members wholesale prices and time-saving convenience.
BOATS / RECREATIONAL VEHICLES
The credit union recognizes our members' desire to have fun, and with our Boat / RV loan programs we make it easier and cheaper. We offer fixed rate loans and terms are matched to meet the member's budget.
CFCU offers a complete package of real estate loan products designed to maximize the benefits of home ownership. Our Home Equity Line of Credit (HELOC), fixed-rate second mortgages, and first-time home buyers "starter kit" programs exemplify CFCU's commitment to improving our members' financial well-being.