CECU Loan Rates
Competitive rates that help your money go further. From auto loans and RV financing to personal and other secured loans, Combined Employees Credit Union is here to help you find the right loan at the right rate.
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Competitive RatesOn a variety of loan options
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Flexible TermsDesigned for your needs
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Personal ServiceFrom people you know
Auto Loans
New & Current Model Autos (Under 15,000 Miles)
| TERM | APR |
|---|---|
| Up to 60 Months | As low as 3.75% |
| 61-72 Months | As low as 4.65% |
| 73-84 Months | as low as 5.65% |
Contact the Credit Union for further information on applicable fees and terms. Rates as of January 2, 2026. All rates are subject to change. Your actual interest rate may vary depending on your credit history, collateral, term, and loan to value. For all the products and services described herein, conditions and credit approval may apply. Eligibility required.
| TERM | APR |
|---|---|
| Up to 60 Months | As low as 4.00% |
| 61-66 Months | As low as 5.00% |
| 67-72 Months | As low as 5.25% |
| 73-84 Months | As low as 5.50% |
Contact the Credit Union for further information on applicable fees and terms. Rates as of January 2, 2026. All rates are subject to change. Your actual interest rate may vary depending on your credit history, collateral, term, and loan to value. For all the products and services described herein, conditions and credit approval may apply. Eligibility required.
| TERM | APR |
|---|---|
| Up to 60 Months | As low as 6.00% |
| 61-66 Months | As low as 6.50% |
| 67-72 Months | As low as 7.00% |
Contact the Credit Union for further information on applicable fees and terms. Rates as of January 2, 2026. All rates are subject to change. Your actual interest rate may vary depending on your credit history, collateral, term, and loan to value. For all the products and services described herein, conditions and credit approval may apply. Eligibility required.
| TERM | APR |
|---|---|
| Up to 60 Months | As low as 7.45% |
| 61-66 Months | As low as 7.70% |
| 67-72 Months | As low as 8.20% |
Contact the Credit Union for further information on applicable fees and terms. Rates as of January 2, 2026. All rates are subject to change. Your actual interest rate may vary depending on your credit history, collateral, term, and loan to value. For all the products and services described herein, conditions and credit approval may apply. Eligibility required.
| TERM | APR |
|---|---|
| Up to 36 Months | Personal Interest Rates Apply |
Contact the Credit Union for further information on applicable fees and terms. Rates as of January 2, 2026. All rates are subject to change. Your actual interest rate may vary depending on your credit history, collateral, term, and loan to value. For all the products and services described herein, conditions and credit approval may apply. Eligibility required.
Used RVs
(Motorhomes, 5th Wheels, and Campers)
| Term in Months | ≥ 740 FICO | 700-739 FICO | 660-699 FICO |
|---|---|---|---|
| < 72 | 6.10 | 6.60 | 7.35 |
| 73-120 | 7.90 | 8.65 | 10.15 |
| 121-144 | 9.60 | 11.10 | 12.10 |
Loan terms of 73-120 months are required to finance a minimum of $25,000.
Loan terms of 121-144 months are required to finance a minimum of $50,000.
| Term in Months | ≥ 740 FICO | 700-739 FICO | 660-699 FICO |
|---|---|---|---|
| < 72 | 7.85 | ≥ 8.35 | 9.35 |
| 73-120 | 9.35 | 10.35 | 12.10 |
| 121-144 | 12.50 | 13.75 | 15.50 |
Loan terms of 73-120 months are required to finance a minimum of $25,000.
Loan terms of 121-144 months are required to finance a minimum of $50,000.
Boats, Jet Skis, Tractors, & 4Wheelers
Model Year 2016 – 2026
| Term (Months) | Up to 48 | 49-60 | 61-72 | 73-84 | 85-96 |
|---|---|---|---|---|---|
| Minimum to Finance | N/A | $10,000 | $15,000 | $20,000 | $25,000 |
| >740 | 5 | 7 | 7.75 | 8.75 | 10 |
| 700 – 739 | 6.75 | 7.25 | 8 | 9.25 | 10.25 |
| 660 – 699 | 8 | 8.75 | 10 | 10.75 | NA |
| 620 -659* | 11.75 | 12 | 13.25 | NA | NA |
| 581-619 | 14.25 | 16.25 | NA | NA | NA |
These loans are considered to be non-essential vehicles and toys. Careful underwriting should be observed to make sure there are no financial pressures that would hinder the members ability to make payments. * Includes Fragile and No Credit Score Applicants
Credit, Share, and Personal Rates
| Rate | Min/Max Balance | TERM |
|---|---|---|
| 10% APY | Min $1000/Max $3000 | Min 6 Months/Max 12 Months |
FLOOR RATE: Effective 1/1/2026 is 3.90% APR. In accordance with the Federal Credit Union Act, CECU will not charge interest rates above the maximum amount allowed which is currently 18% APR.
No loans may fall below the established floor rate without approval of CEO. Only Tiers 1,2, & 3 are eligible for the 90 day skip for 1st payment.
Minimum loan amount is $500.00
| Tier | Credit Score | Term | APR | Loyalty Line** |
|---|---|---|---|---|
| Tier 1 | > 740 | 60 Months | 9.95 | 10.95 |
| Tier 2 | 700-739 | 60 Months | 10.95 | 11.95 |
| Tier 3 | 660-669 | 48 Months | 12.95 | 14.95 |
| Tier 4 | 620-659* | 36 Months | 14.95 | 16.95 |
| Tier 5 | <619 | 24 Months | 16.95 | 17.95 |
* Includes Fragile and No Credit Score Applicants
**Rates for Loyalty Line are listed when Payroll deduction is chosen. If not repaid through payroll deduction the rate is 18%
FLOOR RATE: Effective 1/1/2026 is 3.90% APR. In accordance with the Federal Credit Union Act, CECU will not charge interest rates above the maximum amount allowed which is currently 18% APR.
No loans may fall below the established floor rate without approval of CEO. Only Tiers 1,2, & 3 are eligible for the 90 day skip for 1st payment.
Minimum loan amount is $500.00
| TERM | CD-APY |
|---|---|
| Sav = 6.5% | CD = APY +2.0% |
| Sav = 6.5% | CD = APY +2.0% |
| Sav = 6.5% | CD = APY +2.0% |
| Sav = 6.5% | CD = APY +2.0% |
| Sav = 6.5% | CD = APY +2.0% |
FLOOR RATE: Effective 1/1/2026 is 3.90% APR. In accordance with the Federal Credit Union Act, CECU will not charge interest rates above the maximum amount allowed which is currently 18% APR.
No loans may fall below the established floor rate without approval of CEO. Only Tiers 1,2, & 3 are eligible for the 90 day skip for 1st payment.
Minimum loan amount is $500.00
Could You Lower Your Monthly Payment?
Refinance your current auto loan with Combined Employees Credit Union and see how much you could save. Our competitive rates and local service make switching easy..