Effective September 23, 2024
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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New or Used Title Vehicle/Boat/Recreational Vehicles
|
Type of Loan |
APR* |
Term |
|
Any Model Year |
5.25% |
24 Months |
|
New and Used |
5.50% |
48 Months |
|
New and Used |
5.50% |
60 Months |
|
New and Used (loan balance $20,000 or more) |
5.75% |
72 Months |
|
New and Used (loan balance $50,000 or more) |
5.75% |
73-83 Months |
|
New and Used (loan balance $75,000 or more) |
6.25% |
84-95 Months |
|
New and Used (loan balance $75,000 or more) |
6.50% |
96-107 Months |
|
New and Used (loan balance $75,000 or more) |
6.75% |
Up to 120 months |
ATV/UTV/Trailers
|
Type of Loan |
APR* |
Term |
|
Any Model Year |
5.40% |
24 Months |
|
New And Used |
6.00% |
48 Months |
|
New and Used |
6.00% |
60 Months |
New and Used (loan balance $20,000
or more) |
6.25% |
72 Months |
Farm/Industrial Equipment
|
Type of Loan |
APR* |
Term |
|
New and Used |
6.50% |
48 Months |
|
New and Used |
6.50% |
60 Months |
|
New and Used (loan balance $20,000 or more) |
6.75% |
72 Months |
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.
Apply Online Calculator
Personal Loans/Lines of Credit
|
Loan Type |
APR* |
Term |
|
Share-Secured Loan |
2.30% |
60 Months |
|
Adjustable Rate Personal Line of Credit |
9.00%
|
N/A |
|
Signature Loan |
8.00% |
6 Months |
|
Signature Loan |
10.00% |
24 Months |
|
Signature Loan |
12.99% |
60 Months |
|
Other Collateral |
8.00% |
60 Months |
Visa®
|
14.49% |
N/A |
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. Loans available on primary residence, secondary residence, or investment property located in the state of Missouri. All rates quoted with zero points. Consult the chart below for current rates, and contact us for more information.
Apply Online Calculators
Mortgage/Land Loan
|
Mortgage Type |
Interest Rate |
APR* |
|
15-Year Fixed Rate Loan |
6.000% |
6.000% |
|
Home Mortgage Adjustable Rate Loan |
8.500% |
8.500%1 |
|
First-Time Homebuyer Loan |
6.750% |
6.750%1 |
|
Land Adjustable Rate Loan |
8.500% |
8.500%1 |
|
Home Equity Line of Credit |
8.500% |
8.500% |
|
Land Equity Line of Credit |
8.500% |
8.500% |
1 - APRs assume 30 year repayment term.
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 and apply for your Student Loan today!
Student Loans
|
Student Loan Option |
APR* |
Term |
Guidelines |
|
Interest-Only Payment |
6.50% |
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 |
4.00% |
60 Months |
Borrow up to $15,000 per year, max amount $60,000. Student makes interest and principal payment. |
|
Student Consolidation Loan |
6.50% |
120 Months |
Borrow up to $40,000 to consolidate existing student loans or other collegiate bills. |