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NOTE: All rates are subject to change.
Vehicle Loans
Conservation Employees’ Credit Union Loan Officers are here to help you with all your vehicle and recreational loan needs. Consult the chart below for current rates, and contact us for more information or click here to apply online today!
| VEHICLE LOAN | APR* |
TERM |
PMT CALCULATOR |
| Auto, truck, boat or recreational vehicle (Any Model Year) |
2.4 |
24 |
|
| Auto, truck, boat or recreational vehicle (Any Model Year) |
3.6 |
36 |
|
| Auto, truck, boat or recreational vehicle (new - 2 years old) |
|
60 |
|
| Auto, truck, boat or recreational vehicle (new – 2 years old, loan balance $20,000 or more) |
3.75 |
72 |
|
| Auto, truck, boat or recreational vehicle (3 – 4 years old) |
3.75 |
60 |
|
| Auto, truck, boat or recreational vehicle (4 years old or more) |
3.75 |
48 |
|
| Farm/Industrial Equipment |
2.4 |
24 |
|
| Farm/Industrial Equipment |
3.6 |
36 |
|
| Farm/Industrial Equipment (New) |
3.75 |
60 |
|
| Farm/Industrial Equipment (New, loan balance $20,000 or more) |
3.75 |
72 |
|
| Farm/Industrial Equipment (Used) |
3.75 |
60 |
|
| Farm/Industrial Equipment (Used, loan balance $20,000 or more) |
3.75 |
72 |
*APR = Annual Percentage Rate. Loans are subject to member eligibility. Contact credit union for complete details.
Personal Loans & Lines of Credit
Sometimes a budget boost is all you need to make sense of your financial situation. In those instances, Conservation Employees’ Credit Union is happy to help with any one of these flexible loan solutions. Consult the chart below for current rates, and contact us for more information or click here to apply online today!
| Share-Secured Loan | 2.30 |
60 |
|
| Signature Loan |
12.0 |
60 |
|
| Signature Loan |
6.0 |
6 |
|
| Signature Loan |
8.0 |
24 |
|
| Other Collateral |
8.0 |
60 |
|
| Visa® Transfer your existing credit card or store credit balances to a CECU Visa Credit Card, and you’ll pay no balance transfer fee, plus enjoy a rate of 6.0% APR for 18 months. Contact the credit union for complete details. |
12.0 |
n/a |
*APR = Annual Percentage Rate. Loans are subject to member eligibility. Contact credit union for complete details.
Mortgage & Land Loans
Conservation Employees’ Credit Union understands the excitement that comes with buying a new home, renovating or even purchasing the land you need to grow. That is why your credit union offers the loans that will help secure your dreams. Consult the chart below for current rates, and contact us for more information or click here to apply online today!
| MORTGAGE/LAND LOAN | APR* |
POINTS |
PMT CALCULATOR |
| Home Mortgage Loan | 3.5 |
0 |
|
| 15-year Fixed First Mortgage | 2.875 |
0 |
|
| First-Time Homebuyer Loan | 3.75 |
0 |
|
| Home Equity Line of Credit | 3.5 |
0 |
|
| Land Equity Line of Credit | 3.5 |
0 |
|
| Land Loan | 3.5 |
0 |
*APR = Annual Percentage Rate. Loans are subject to member eligibility. Contact credit union for complete details.
Student Loans
Conservation Employees’ Credit Union is dedicated to not only the financial success of its members, but also the educational accomplishments that they pursue. It is for this reason that we offer student loans to qualified members seeking academic success. Be sure to check the Student Loans page for the qualifying loan criteria, then contact us to apply for your Student Loan today!
| STUDENT LOAN OPTION | APR |
TERM |
GUIDELINES |
| Interest-Only Payment |
6.0 |
120 |
Borrow up to $5,000 per year, max amount $20,000. Student makes semi-annual, interest-only payments while enrolled. |
| Principal & Interest Payment | 3.75 |
60 |
Borrow up to $12,500 per year, max amount $50,000. Student makes interest and principal payment beginning 45 after loan closing. |
| Student Consolidation Loan |
6.0 |
120 |
Borrow up to $20,000 to consolidate existing student loans or other collegiate bills. |
Savings
Keeping your savings accounts with Conservation Employees’ Credit Union not only ensures your financial security, but also guarantees you a competitive rate of return. Consult the savings chart for dividends, and contact us for more information!
Effective Date May 1, 2013
| SAVINGS PRODUCT | DIVIDEND RATE |
APY* |
| Share Savings** | 0.30 |
0.30 |
| Secondary Share Savings | 0.30
|
0.30
|
| Christmas Share Savings | 0.30
|
0.30
|
| Share Draft Checking | 0.20 |
0.20 |
| Money Market (Balance of $0 - 9,999) |
0.30 |
0.30 |
| Money Market (Balance of $10,000 - 24,999) |
0.30
|
0.30
|
| Money Market (Balance of more than $25,000) |
0.30
|
0.30
|
| IRA Savings*** | 0.59 |
0.59 |
*APY = Annual Percentage Yield
** Minimum Balance of $25.00
*** Deposits and withdrawals comply with Federal Regulations
Certificate & IRA
When you’re looking for a secure option for investments and long-term planning, look to CECU. We’re here to help you find the plan that fits your needs, plus provide excellent returns on your investment. Consult the chart below for current rates, and contact us for more information today!
| CERTIFICATE / IRA DIVIDEND RATES ARE EFFECTIVE May 21, 2013 |
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 Federally insured by the NCUA |
2901 W. Truman Blvd. |
Mailing address: |
(573) 522-4000 |
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