🐄 Livestock Loan Rates

Credit Score APR (≤ 3 years)* APR (≥ 4 years)*
750+ 7.50% 7.75%
749–700 8.00% 8.25%
699–650 8.75% 9.50%
649–600 10.50% 11.25%
599 & Under 11.50% 12.00%

Loan Fee: $100.00
*Annual Percentage Rate (APR)

🚜 Operating Loan Rates

Credit Score Monthly APR* Annual APR*
750+ 8.00% 8.50%
749–700 8.50% 9.00%
699–650 9.00% 9.50%
649–600 11.00% 11.25%
599 & Under 12.00% 12.50%

Loan Fee: $100.00
*Annual Percentage Rate (APR)
*Approved: 11/21/2024

✍️ Signature Loans

Loan Amount APR*
Under $1,500 16.25%
Under $2,500 14.75%
Over $2,501 13.25%

Loan Fee: $50.00
*Annual Percentage Rate (APR)

✍️ Rewrite Loans

  • Fee: $50.00 (interest paid to date of rewrite)

🎒 Back to School / 🎄 Christmas Loan

Description Details
APR* 7.00%
Maximum Loan $3,000.00
Maximum Term 12 Months
Loan Fee $50.00

💳 Debt Consolidation Loan

Description Details
APR* 8.25%
Maximum Term 24 Months
Loan Fee $50.00

*Borrower must have a 700+ credit score.
Loan requires collateral or a cosigner with a 750+ score.

⚙️ Equipment/Machinery Loan Rates

Credit Score APR (≤ 3 years)* APR (≥ 4 years)*
750+ 6.50% 7.50%
749–700 7.00% 7.75%
699–650 7.75% 8.50%
649–600 10.50% 11.00%
599 & Under 11.50% 12.00%

Loan Fee: $100.00
*May need co-signer
*Annual Percentage Rate (APR)

🚗 Auto / Recreational Vehicle / Camper Loans

🗓️ Loan Term Guidelines

  • 2022 or Newer, 700+ credit score – Up to 84 months

  • 2022 or Newer, under 700 score – Up to 72 months

  • 2021 or Older – Max 60 months

Credit Score New Auto (2022+) Used Auto (2017–2021) Used Auto (≤ 2016)
750+ 6.25% 6.45% 7.25%
749–700 6.75% 7.00% 7.75%
699–650 9.50% 9.75% 10.50%
649–600 11.50% 12.00% 12.50%
599 & Under 12.75% 13.25% 13.50%

Loan Fee: $50.00
*Manager has right of say over all printed material
*May need co-signer
*Annual Percentage Rate (APR)
*Approved: 11/21/2024

💥 Loan Specials

  • Refinance your existing auto loan from another lender:

    • Get 1% off your current rate

    • Rate cannot go below 5.00%

    • Loan fee waived

Eligibility:

  • Credit score 700+

  • Debt ratio ≤ 50%

  • Proof of current rate required

🌟 Special Auto Loan Offer

  • 2022 or newer vehicle/camper

  • Credit score 750+

  • Max 60-month term

  • Special APR: 5.24%

📄 Share Term Certificates

Term Min Deposit Dividend Rate APY*
6 Months $1,000.00 3.30% 3.32%
1 Year $1,000.00 3.00% 3.01%
2 Years $1,000.00 2.25% 2.26%
3 Years $1,000.00 2.00% 2.01%

*Dividends not compounded
*APY accurate as of 08/22/2024
*Fees may reduce earnings
*NCUA Insured

💼 Share & Savings Accounts

Account Type Dividend Rate APY
Share Draft (≥ $5,000) 0.50% 0.501%
Share Savings 1.00% 1.01%
Youth Savers (Peewee Penguin) 2.00% 2.01%
Christmas Club 1.50% 1.501%
IRA’s 1.750% 1.762%

*Approved by Board: October 19, 2023

We bring you the best possible solutions for your business.

Accounting

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Bookkepping

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Tax Services

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Payroll

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Ready to Get Started?

Whether you’re looking for a loan, a new account, or financial guidance, Consumer’s Federal Credit Union is here to help. Visit us in person or reach out today!