CFCU is the place to go for the lowest loan rates and highest certificate rates. If you need to refinance a higher rate loan from another financial institution, finance a new purchase, or earn the highest yield on your savings, give us a call at 607-257-8500, visit any branch, or apply online.

SAVE MORE

6.125% APR* Second Chance Mortgages
10 or 15 years, no closing costs
No Closing Costs—Purchase Mortgages also available at market interest rate
5.75% APR** Home Equity Loans
Up to 60 months, no closing costs, $5,000 minimum
6.75% APR† Auto Loans
Up to 60 months on 2005 and newer vehicles

EARN MORE

3.04% APY‡ Certificate or IRA Certificate
10 & 20 months, $500 minimum
3.56% APY‡ Certificate or IRA Certificate
50 months, $500 minimum
3.17% APY‡ Certificate or IRA Certificate
10 & 20 months, $25,000 minimum
3.82% APY‡ Certificate or IRA Certificate
50 months, $25,000 minimum
3.56% APY‡ Certificate or IRA Certificate
10 & 20 months, $100,000 minimum
4.07% APY‡ Certificate or IRA Certificate
50 months, $100,000 minimum

*Second Chance Mortgage — APR=Annual Percentage Rate. Rates good through 8-24-08. To earn the special rate, you must have or open a Premiere Checking account with autopay. Rate without Premiere Checking is market interest rate. No closing costs with 3-year recapture, 80% maximum loan-to-value, $500 application fee refunded at closing, owner occupied only. Payment per $1,000 at 6.125% for 180 months = $8.51. No refinances of CFCU loans allowed. Manufactured homes may be approved by exception only.

**Home Equity — APR=Annual Percentage Rate. Rates good through 8-31-08. To earn the special rate, you must have or open a Premiere Checking account with autopay. No closing costs with 3-year recapture, 85% maximum loan-to-value, owner occupied only. Payment per $1,000 at 5.75% for 60 months = $20.93. No refinances of CFCU loans allowed.

†Auto — APR=Annual Percentage Rate. Rates good through 8-31-08. To earn the special rate, you must have or open a Premiere Checking account with autopay. Applies to new fixed-rate auto loans with autopay. Payment per $1,000 at 6.75% for 60 months = $21.41. 100% loan-to-value. No refinances of CFCU loans allowed.

‡Certificates — APY=Annual Percentage Yield. APYs shown here are available through 8-31-08. To earn special rate, you must have or open a Premiere Checking account. APY assumes dividends will remain on deposit. Withdrawal of dividends and/or fees may reduce earnings.

The Credit Union reviews every loan application to ensure fairness and compliance to CFCU policy.