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Rates > Personal Loans

Occasionally, we find ourselves in a bit of a financial bind or sometimes we need to make that unexpected purchase or expense. Our personal loans are designed to help out in such situations. We can have you approved within 24 hours. Our rates and terms are very competitive. You also have a few options in making your monthly payments more convenient via direct withdrawal, payment coupons, 24 hour audio response or by our phone service center. You may even qualify to consolidate your bills into one loan thereby saving your money and giving you back control of your finances. Our personal loans can go up to $5000 and can have a payment term of up to 3 years.

For more information on CFCU's personal loans, ask one of our representative today for details. Call us toll free at: 1 (800) 228.3701 press "4" or email us at info@certifiedfcu.org

Loan Interest Rates Effective April 01, 2008
Rates effective for new loans only

The charts below disclose the current daily periodic rate and the corresponding ANNUAL PERCENTAGE RATE for all Signature Loan Rates advanced under the Certified Federal Credit Union Open-End Loan Plan.
FIXED RATE LOAN PLAN
Loan Type
Daily Periodic Rate
Annual Percentage Rate
Signature / Line of Credit
Includes Signature and Sharedraft Overdraft Advances
.049287%
17.99%
Shared Secured Loans
.016438%
6.00%



LATE CHARGES: If you are more than 10 days late in making a payment, you will be charged 20% of the interest due, with a minimum of $5.00.

COLLECTION COSTS: You promise to pay, subject to any limits under applicable law, all costs of collection the amount you owe under this agreement. This includes but is not limited to reasonable attorneys fees and court costs as well as legal expenses for any bankruptcy, appeals or post judgment proceedings.