Loan Rates

Rates are current as of 12-21-2024.

1. APR = Annual Percentage Rate. Loan Rates are based on credit score and term of loan. A sample monthly payment for a loan of $20,000 and a term of 36 months at 5.24% APR would be approximately $601.58. A sample monthly payment for a loan of $20,000 and a term of 72 months at 5.74% APR would be approximately $329.01. Advertised Auto Loan rates reflect 0.25% rate discount when setup on auto pay. Add 0.25% to stated rates when an automatic deduction plan is not established from a CSE Federal Credit Union account. Your actual rate and payment amount may be different as determined by your collateral, term, loan amount and credit qualifications. All rates and promotions subject to change without notice.

2. APR = Annual Percentage Rate. Loan Rates are based on credit score and term of loan. Sample monthly payment for a loan of $15,000 for 36 months at 6.49% APR would be approximately $459.67. Sample monthly payment for a loan of $15,000 for 84 months at 7.74% APR would be approximately $231.85. All rates and promotions subject to change without notice. Advertised Recreational Loan rates reflect 0.25% discount when loan is set up on Auto Pay. Add 0.25% to stated rates when an automatic deduction plan is not established from a CSE Federal Credit Union account. Your actual rate and payment amount may be different as determined by your collateral, term, loan amount and credit qualifications. All rates and promotions subject to change without notice.

3. APR = Annual Percentage Rate. Loan Rates are based on credit score and term of loan. Sample monthly payment for a loan of $10,000 for 24 months at 9.25% APR would be approximately $458.00. Sample monthly payment for a loan of $10,000 for 60 months at 12.75% APR would be approximately $226.25. All rates and promotions subject to change without notice. Advertised Personal Loan rates reflect 0.25% discount when loan is set up on Auto Pay. Add 0.25% to stated rates when an automatic deduction plan is not established from a CSE Federal Credit Union account. Your actual rate and payment amount may be different as determined by your term, loan amount and credit qualifications. All rates and promotions subject to change without notice.

4. APR = Annual Percentage Rate. Subject to credit worthiness and membership eligibility. Variable rate subject to change with prime rate for the duration of the line of credit. Rate may change monthly. Your home equity contract rate is variable based on Wall Street Journal Prime Rate, on your creditworthiness, and CSEFCU’s lending policies. Your rate will vary but never exceed 18.00% APR and never fall below your contract rate. Financing up to 90% of the home’s value is available. This offer is only available on owner occupied homes. Minimum credit line draw of $5,000. Property insurance required. Flood insurance may be required. No early repayment penalty. Monthly Payments will be $100 or 1% of the HELOC balance, whichever is greater. No application fee. No closing costs. Paying only the minimum payment may not be sufficient to fully amortize unpaid account balance by the end of the repayment period in which case, you will be required to pay your entire remaining balance in a single balloon payment on the agreed maturity date. Please contact your tax advisor to determine any tax benefits.

All loans are subject to credit approval.

Applying for a loan or credit card product may result in a credit inquiry and the applicants credit score may be impacted.

Upon submitting a loan application, applicants may be required to provide additional documentation to complete the review process. This may include, but is not limited to, one or more of the following: Proof of Income, Recent Credit Card Statements, Verification of Employment, Bank Statements, Proof of Residency or, Housing Documentation.