Loan Rates
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Current Loan Programs

APR = Annual Percentage Rate

Loans
Effective Date: Tuesday, July 27th, 2021
ProgramRates
Loan Secured by Shares 5.00% APR up to 60 months
Signature Line of Credit 8% APR
Signature Installment Loan 6% APR
Vehicles 2018 - 2021 1.99% APR up to 36 months
Vehicles 2018 - 2021 2.99% APR up to 60 months
Vehicles 2018 - 2021 3.99% APR up to 72 months
Vehciles 2015 - 2017 5.00% APR up to 60 months
Vehicles 2014 and Below 8.0% APR up to 48 months
(NEW) Classic Vehicles 5% up to 72 months
New Boats 2020-2021 4.99% APR up to 120 months
Boats 2019 and older 5.50% APR up to 120 months
Recreational Vehicles 5.00% - 8.00% APR
30 Year Fixed 1st Mortgage* 2.75% APR - ZERO POINTS
20 Year Fixed 1st Mortgage 2.75% APR - ZERO POINTS
15 Year Fixed 1st Mortgage* 2.50% APR - ZERO POINTS
Points Buy Down Option:
Call for Details
1pt.= .25 rate reduction
2pt.= .50 rate reduction
Home Equity Line of Credit .5 over published Wall Street Journey with Max rate
Home Equity Installment Loan 5.875% APR up to 120 months
VISA Classic, 13.99% APR
Visa Gold, 11.99% APR
Visa Platinum 6.87% APR

Click Here For: VISA Application

Construction Federal Credit Union expressly prohibits unlawful gambling through any of our products. Members may find it helpful to familiarize themselves with The Unlawful Internet Gambling Enforcement Act (UIGEA) and Regulation GG.

Rates are subject to change to meet market conditions.  

We encourage consumer awareness of Federal Regulation Z - 226.6 (b) & 226.16, in relation to HELOCs.

*Our general maximum loan to value on real estate mortgages is 80%, exceptions on a limited case by case basis.  Loans under $100,000.00, add .50 basis points to rate; for loans under $50,000.00 add 1% to rate. Mortgages must be primary residence only. 1 point is charged on internal refinances. Rate and term only.

 **The initials stand for the Wall Street Journal, which surveys large banks and publishes the consensus prime rate. The Journal surveys the 30 largest banks, and when three-quarters of them (23) change, the Journal changes its rate, effective on the day the Journal publishes the new rate. It's the most widely quoted measure of the prime rate, which is the rate at which banks will lend money to their most-favored customers. The prime rate will move up or down in keeping with changes made by the Federal Reserve Board.

***To be eligible to receive a $50.00 "bonus" for the establishment of direct deposit, the member must be establishing direct deposit for the first time with CFCU, be directing the full net amount of a payroll, government social security or recognized retirement plan for deposit with CFCU, no bonus will be released before a good faith record of not less than six (6) months has been observed with the member.

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