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Rates

Effective July 1, 2017
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.

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Auto, truck, boat or recreational vehicle
Type of Loan APR* Term
Any Model Year 2.4% 24 Months
New and Used 2.5% 60 Months
New and Used (loan balance $20,000 or more) 2.5% 72 Months
Farm/Industrial Equipment
Type of Loan APR* Term
Any Model Year 2.4% 24 Months
New and Used 2.5% 60 Months
New and Used (loan balance $20,000 or more) 2.5% 72 Months

*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.

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Personal Loans/Lines of Credit
Loan Type APR* Term
Share-Secured Loan 2.30% 60 Months
Adjustable Rate Personal Line of Credit 5.25% N/A
Signature Loan 6.0% 6 Months
Signature Loan 8.0% 24 Months
Signature Loan 12.0% 60 Months
Other Collateral 8.0% 60 Months
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.

Apply Online   Calculators

Mortgage/Land Loan
Mortgage Type APR* Points
Home Mortgage Loan 4.25% 0
First-Time Homebuyer Loan 4.25% 0
Home Equity Line of Credit 4.25% 0
Land Equity Line of Credit 4.25% 0
Land Loan 4.25% 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 Loans
Student Loan Option APR* Term Guidelines
Interest-Only Payment 6.0% 120 Months Borrow up to $10,000 per year, max amount $40,000. Student makes semi-annual, interest-only payments while enrolled.
Principal & Interest Payment 3.5% 60 Months Borrow up to $15,000 per year, max amount $60,000. Student makes interest and principal payment.
Student Consolidation Loan 6.0% 120 Months Borrow up to $40,000 to consolidate existing student loans or other collegiate bills.

*APR = Annual Percentage Rate.  Loans are subject to member eligibility.  Contact credit union for complete details.