Today's Rates

Community First Credit Union Loan Rates

Personal Loans | Lines of Credit | Credit Cards | New & Used Auto Loans | RV's | Motorcycles and Scooters | Boats & Watercraft

 

 


Personal Loan Rates

 

 

Terms

 

Min Balance

Tier 1 

FICO 

720+

Tier 2 

FICO  

700+

Tier 3 

 FICO 

680+ 

Tier 4 

 FICO 

640+

Tier 5 

FICO  

620+

Tier 6

FICO  

600+

Tier 7 

 FICO 

<599 

12 months $500 6.49% 7.99% 9.99%   11.99% 13.99%   14.24%   15.99% 
24 months $500 6.99%  8.49% 10.49%   12.49% 14.49%   14.74%  16.49% 
36 months $500 6.99% 8.49%  10.49%   12.49% 14.49%  14.74%  16.49%
48 months $2,500 7.99% 9.49% 11.49%  13.94% 15.49% 15.74% 17.49%
60 months $2,500 7.99% 9.49% 11.49%  13.49% 15.49% 15.74% 17.49%
72 months $2,500 8.49% 9.99% 11.99%  13.99% 15.99% 16.24% 18.01%
84 months $2,500 8.49% 9.99% 11.99%  13.99% 15.99% 16.24% 18.01%

Effective September 27 2022




Line of Credit Rates

 

 

Terms

 

Min Balance

Tier 1 

FICO  

720+

 Tier 2

 FICO 

700+

Tier 3

FICO  

680+ 

Tier 4 

 FICO 

640+ 

 Tier 4

 FICO 

620+

Tier 6 

FICO  

600+

Tier 7 

FICO  

<599 

Fixed Revolving $500 9.99% 11.49% 14.49%  16.49%  17.49%   17.99%%   18.49% 

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Credit Card Rates

 

 

Credit Card Type

  

 Annual Percentage Rate (APR)

  

 APR for Balance Transfers

 

APR for Cash Advances

VISA Traditional 12.24% to 18.99% 12.24% to 18.99% 12.24% to 18.99%
VISA Rewards 14.24% to 18.99% 14.24% to 18.99% 14.24% to 18.99%
VISA Share Secured 17.24% 17.24% 17.24%

 Effective December 20 2022




New & Used Auto Loan Rates (at dealer or branch)

 

 

Terms

Tier 1 

FICO  

720+ 

Tier 2 

FICO  

700+

Tier 3 

FICO  

680+

Tier 4 

FICO  

640+ 

Tier 5 

FICO  

620+

 Tier 6

FICO  

600+

Tier 7 

FICO  

<599 

24 to 60 months  5.29% 6.09% 6.79% 7.59% 11.49% 11.49% 13.14%
61 to 72 months  5.54% 6.39% 7.09% 7.89% 11.79% 11.79% 13.44%
73 to 84 months  5.99% 6.94% 7.69% 9.34% 11.99% 11.99% 13.64%

 For Used Auto Rates, Add .25%

 Effective January 9 2023




RV's and Trailers Loan Rates

Term Length

Minimum Loan Amount

 

 

720+ 

 

 

719-700

 

 

699-680

 

 

679-640

 

 

639-620
60 months  $10,000 5.44% 5.94% 6.94% 8.94% 11.99%
72 months $20,000 5.69% 6.19% 7.19% 10.49% 12.99%
84 months  $30,000 5.99% 6.44% 7.49% 10.74% 13.99%
120 months  $50,000 6.24% 6.99% 8.49% 11.49% For Used Vehicles, add 0.50% to rate
144 months $75,000 6.74% 7.24% 8.74% 11.99%
180 months
$100,000 7.24% 7.99% 8.99% N/A
Effective January 9 2023

 

 


Motorcycles and ATVs Loan Rates

Term Length
Minimum Loan Amount

720+ 

719-700

699-680 679-640 639-620
up to 36 months $5,000 4.49% 4.99% 5.99% 8.49% 10.74%
up to 60 months $10,000 4.74% 5.24% 6.49% 9.24% 11.74%
72 months $20,000 5.24% 5.99% 7.24% 10.24% 12.74%
84 months $30,000 5.74% 6.49% 7.74% 10.74% N/A
96 months $50,000 For Used Vehicles, Add 0.50% to Rate
120 months $75,000
180 months $100,000

Effective January 9 2023

 

 


Boat Loan Rates

Term Length Minimum Loan Amount 720+ 719-700 699-680 679-640 639-620
Up to 36 months $5,000 4.49% 4.99% 5.99% 8.49% 10.74%
Up to 60 months $10,000 4.74% 5.24% 6.49% 9.24% 11.74%
72 months $20,000 5.24% 5.99% 7.24% 10.24% 12.74%
84 months $30,000 5.74% 6.49% 7.74% 10.74% N/A
96 months $50,000 6.24% 6.99% 8.24% 11.24% N/A
120 months $75,000 6.74% 7.99% 8.99% For Used Vehicles, Add 0.50% to Rate
180 months $100,000 7.74% 8.99% 9.99%
Effective January 9 2023