Home Equity Loan Rates
Check with a CFCCU Loan Officer for exciting new options.
Home Equity Line of Credit³
APR¹ as low as
Rates, terms, and conditions subject to change and may vary based on qualifications, including creditworthiness and loan-to-value ratio. All loans subject to approval.
Maximum APR¹ is 21.00%. Add 1.75% to interest rate for loans with loan-to-value ratio over 85%.
The required minimum payment is $100 or payment is calculated on a 15-year term based on current APR¹ and balance outstanding.
Closing costs are approximately $230 but may be higher if a full appraisal is required.
³Payments do not include taxes and insurance premiums. The actual payment obligation may be greater.
Home Equity Loans Closed End³
Loan Term
APR¹ as low as
EXAMPLE: A $30,000 loan for a term of 120 months with a 5.15% APR¹, the monthly payment will be $321.
EXAMPLE: A $50,000 loan for a term of 180 months with a 7.25% APR¹, the monthly payment will be $457.
Below is the NMLS information for each MLO employed by the Cedar Falls Community Credit Union NMLS #434893.
- Alyssa A. Aikey 2119472
- Clark P. Doyle 2576736
- Lindsy K. Graham 2096336
- Hailey M. Handberg 2362593
- Morgan L. Harrigan 2579047
- Paola Montes 2527813
- Dakota L. Sands 2651395
Auto Loan Rates
New Vehicle Loans
2022 & newer with 20,000 miles or less
Loan Term
APR¹ as low as
EXAMPLE: A $50,000 loan for a term of 84 months with a 6.29% APR¹, the monthly payment will be $738.
Used Vehicles
2021 & newer with over 20,000 miles
Loan Term
APR¹ as low as
Used Vehicles
2020 Model Year
Loan Term
APR¹ as low as
Used Vehicles
2019 Model Year
Loan Term
APR¹ as low as
Used Vehicles
2018 Model Year
Loan Term
APR¹ as low as
Used Vehicles
2017 Model Year
Loan Term
APR¹ as low as
Used Vehicles
2016 Model Year
Loan Term
APR¹ as low as
Used Vehicles
2015 Model Year
LoanTerm
APR¹ as low as
Used Vehicles
2014 and Older Model Year
Loan Term
APR¹ as low as
Home Improvement Loan Rates
Secured
Finance up to 133% of property value, up to $250,000.
Loan Term
APR¹ as low as
Unsecured
Up to $10,000 Maximum
Loan Term
APR¹ as low as
Unsecured
$10,001 to $25,000 Maximum
Loan Term
APR¹ as low as
Consumer Goods
Includes: fold-down campers, garden tractors, mopeds, scooters, computers, household good, and appliances
New Consumer Goods
Loan Term
APR¹ (20% Down)
as low as
APR¹ (0% Down)
as low as
EXAMPLE: A $15,000 loan with 20% down ($12,000 financed) for a term of 36 months with a 7.65% APR¹, the monthly payment will be $375.
EXAMPLE: A $15,000 loan with no money down for a term of 36 months with a 8.65% APR¹, the monthly payment will be $475.
Used Consumer Goods
Loan Term
APR¹ (Wholesale)
as low as
APR¹ (Retail)
as low as
Recreation Loans
Includes: off road motorcycles, UTV's, ATV's jet skis w/trailers, and snowmobiles
New 2022 & Newer Model Year
Loan Term
APR¹ as low as
2018-2019 Model Year
Loan Term
APR¹ as low as
EXAMPLE: A $20,000 loan $0 down, for a term of 72 months with a 7.54% APR¹, the monthly payment will be $346.
2020-2021 Model Year
Loan Term
APR¹ as low as
2017 & Older Model Year
Loan Term
APR¹ as low as
Personal Loan Rates
Loan Term
APR¹ as low as
EXAMPLE: A $3,000 loan for a term of 24 months with a 8.75% APR¹, the monthly payment will be $137.
Mortgage Loans
CFCCU offers both in-house balloon loans and conventional loans to help you purchase a home. To learn more about all mortgage options to fit your financial situation, visit the CFCCU Mortgage Center today!
1st Mortgages
(Interest Only)
⁴Escrow for taxes and insurance is available but is not required.
⁴/⁵All rates are for single-family owner-occupied purchase or refinance. Conventional mortgage rates are based on credit scores of 620 and above. All rates for single-family owner-occupied purchase or refinance. Rates can vary for extended rate lock terms. All rates, terms and conditions are subject to change without notice. Loans are subject to credit approval. All information provided by CFCCU through its website is intended to be accurate. CFCCU is not responsible for typographical errors or omissions. Cedar Falls Community Credit Union NMLS ID# 434893.
⁵Balloon loans do not amortize over the entire term. They have an initial period with a fixed rate. At the end of the initial period, the interest rate can be reset based on current market interest rates. A recalculation of the amortization schedule, based on a new rate and term is done at the time the initial term matures or expires. Some closing fees apply at the time of resetting the interest rate and amortization.