County Educators Federal Credit Union

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Loans are available to qualified and creditworthy CEFCU members. The actual Annual Percentage Rate (APR) on your loan will be quoted to you based on a review of your overall credit performance. Other special conditions may apply. APRs quoted are subject to change without notice. Actual length of repayment term is subject to approval by CEFCU.




Home Loans       Vehicle Loans       Personal Loans       Savings Secured Loans       Visa® Credit Card       Savings Rates


Home Loans (Real Estate)     APR is the Annual Percentage Rate
Home Equity Line-of-Credit (Variable Rate)
Rates Starting @
Term
Maximum Loan Amount
Prime Minus 1.00% APR
5-Year Draw/10-Year Payback
Up to 80% of Appraised Value
Rates not to exceed Prime plus 5% with a lifetime ceiling of 18% APR
Second Mortgage (Fixed Rate)
Rates Starting @
Term
Maximum Loan Amount
Prime Minus 1.50% APR
Up to 3 Years
Up to 80% of Appraised Value
Prime Minus 0.50% APR
3 Years, 1 Day to 6 Years
Up to 80% of Appraised Value
Prime Plus 0.50% APR
6 Years, 1 Day to 10 Years
Up to 80% of Appraised Value

Words most commonly used when referring to a Home Loan Glossary

Loan Calculator           Request a Home Loan Application via E-mail

Home Loan (Real Estate) FAQ's




Vehicle Loans
New and Used Vehicle Loan Rates
Rates Starting @
Term
4.49% APR
Up to 24 Months
4.49% APR
25-36 Months
4.99% APR
37-48 Months
5.49% APR
49-60 Months*
5.99% APR
61-72 Months*
*Amount financed must be $12,501.00 & Over for terms of 49-72 Months.
Apply Online or download, complete and submit a Printable Credit Application.


Amount financed allowable on all Used Vehicles: up to 100% of NADA Retail Value
Amount financed allowable on all New Vehicles: Total Purchase Price (includes MSRP, tax, title and tags)


Wait Before You CALCULATE. You May Qualify for a Rate Reduction.
The following rate reduction will apply for New and Used Vehicles if the following *Equity-to-Loan value is found in the vehicle:

Equity
Rate Reduction
10%
.25%
20%
.50%
30%
.75%

*Equity-to-Loan:
On a used vehicle, the equity is the difference between the NADA value and the total amount financed.
On a new vehicle, the equity is the difference between the MSRP and the total amount financed.






Personal Loans     APR is the Annual Percentage Rate
Apply Online or download, complete and submit a Printable Credit Application.
Financing Up to $10,000.00
Rates Starting @
Term
8.25% APR
Up to 24 Months
9.00% APR
25 to 48 Months
Apply Online or download, complete and submit a Printable Credit Application.

Basic Lending FAQ's           Loan Calculator


Savings Secured Loans     APR is the Annual Percentage Rate

Rate
Borrow
Term
Regular Savings
Rate plus 3.50% APR
Up to 100%
Up to 48 Months
Share Certificate
Rate plus 3.50% APR
Up to 95%**
Certificate Term

**95% for six-month, one-year and two-year term Share Certificates and 90% for three-year term Share Certificates


VISA® Classic Credit Card     APR is the Annual Percentage Rate
Rates Starting @
Maximum Limit
8.9% APR
$12,000.00
Apply Online or download, complete and submit a Printable Credit Application.

VISA® FAQ'S           Loan Calculator           VISA Disclosure




Savings Account Rates
Account Type
Minimum to Open
Annual Percentage Rate
Annual Percentage Yield
Regular Savings
$5.00
1.00%
1.00%*
Checking (Share Draft)
-0-
0.25%
0.25%
Dolla Dog Savings
-0-
1.25%
1.26%
Club Accounts
(Holiday, Winter Relief, Spring Savings, Summer Savers)
-0-
1.50%
1.51%
Traditional IRA
-0-
3.15%
3.19%
Money Market - Tiered Rate
$500 - $24,999
$500.00
1.25%
1.26%**
$25,000 - $49,999
$25,000.00
2.00%
2.02%**
$50,000 and Up
$50,000.00
2.65%
2.68%**
Share Certificates**
6-month
$500.00
3.15%
3.19%**
1 Year
$500.00
3.35%
3.39%**
2 Year
$500.00
3.50%
3.56%**
3 Year
$500.00
3.65%
3.70%**
IRA Certificates**
Roth/Coverdell 1 Year
$500.00
3.25%
3.29%**
Roth/Coverdell 2 Year
$500.00
3.50%
3.55%**
Roth/Coverdell 3 Year
$500.00
3.75%
3.80%**

As your financial goals change throughout your life, our calculators can provide you with assistance in reaching them.

Kids Calculator           Savings Calculator           Retirement Calculator

Open an Account Today!

Open an account or request additional information. Download, complete and submit an Add New Account Authorization Form.

*Minimum daily balance of $50.00 is required to obtain the advertised Annual Percentage Yield (APY).
** Minimum daily balance of $500.00 is required to obtain the advertised Annual Percentage Yield (APY).

Savings and Checking (Share Draft) Accounts are variable rate accounts. Annual Percentage Yields (APYs) quoted are declared by the Board of Directors and are subject to change without notice. Dividends earned are posted and compounded quarterly. Money Market Account dividends are posted and compounded monthly. Applicable fees and conditions could reduce the earnings on your account. Rates quoted are last declared APYs for the Fourth Quarter, 2008.


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The Credit Union is an Equal Housing Lender.
We do business in accordance with the Federal Housing Law and the Equal Credit Opportunity Act
PRIVACY POLICY