Loan Rates
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Current Loan Programs

APR = Annual Percentage Rate

Effective Date: Monday, May 27th, 2024
Loan Secured by Shares 6.00% APR up to 60 months
Signature Line of Credit 10.75 APR
Signature Installment Loan 8.75% APR
Vehicles 2021-2024 5.25% APR up to 36 months
Vehicles 2021-2024 5.75% APR up to 60 months
Vehicles 2021-2024 6.00% APR up to 72 months
Vehicles 2018-2020 6.25% APR up to 60 months
Vehicles 2017 and Below 6.50% APR up to 48 months
(NEW) Classic Vehicles 8.75% up to 72 months
New Boats 2023-2024 7.50% APR up to 120 months
Boats 2022 & and older 7.75% APR up to 120 months
Recreational Vehicles 6.00% - 8.75% APR
30 Year Fixed 1st Mortgage* 7.50% APR - ZERO POINTS
20 Year Fixed 1st Mortgage 7.50% APR - ZERO POINTS
15 Year Fixed 1st Mortgage* 7.00% 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 Journal Prime Rate  
Home Equity Installment Loan 8.25% 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.

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