FCEFCU Loans and Lending Services

FCEFCU does numerous types of consumer lending. Our lending rates are merit-based. There are no prepayment penalties or hidden costs in our loan agreements. Both secured and unsecured consumer loans are available to members for low, competitive rates.

FCEFCU has the auto loan you need at the rate you want.

  • auto loans from FCEFCUNew, used or refinance
  • Up to 100% financing, including license and fees
  • Terms up to 84
  • Cars, Vans, Trucks, SUVs, and Motorcycles

Check our Current Rates

Route 66 Extended Warranty

Get an extended warranty on your vehicle for 30-50% less than offered at the dealers. Go to www.Route66Warranty.com for details.

FCEFCU is a great place to refinance your home loan, take out a second mortgage, or apply for a home equity loan. Brian and his staff will process your loan in-house, and it will NEVER be sold to an outside, for-profit corporation. Call today and find out more about how FCEFCU can help you!

FCEFCU home loan services include:

  • Mortgage Loans from FCEFCUBuy or refinance
  • A variety of loan options
  • Low closing costs
  • Second home financing
  • Home equity loans
  • Real estate loans

At this time, you cannot apply online for a home mortgage. Contact Brian to help walk you through the mortgage process at 651.282.8881 or send him an email.

FCEFCU Student Loans

College Dreams?

Pay for college the smart way! FCEFCU can help you apply for a Sallie Mae Smart Option Student Loan.

Find Out More

FCEFCU has the loan you need! Whether you’re looking for new/used or secured/unsecured, we are here to help. FCEFCU offers:

  • Miscellaneous Loans from FCEFCUBoat loans
  • Motorcycle loans
  • Snowmobile & ATV loans
  • Camper & RV loans
  • Line of credit
  • Personal loans
  • …and more!

Check our Current Rates

Try Our Loan Calculator


Loan Rates
Effective December 1, 2017

Save to the Max on Select* Loans!

Reduce your loan rate up to 1/2% by meeting two of the following criteria:

  • Credit Score over 735 – 0.25% discount
  • Loan / Value of 80% or less – 0.25% discount
  • Automatic Payroll Deduction – 0.25% discount
  • New Member – 0.25% discount

*Applicants are subject to normal credit guidelines.
“Save to the Max” discounts do not apply to Real Estate loans, nor are they available for credit scores under 700.
No other loan discounts apply.

Secured Loans including Autos, Trucks, Boats and RVs



Annual Percentage Rate

w/ Max Discount

NEW 2017 or 2018 (less than 7,500 miles) Up to 60 months 2.99% 2.49%
72 months 3.49% 2.99%
84 months 3.99% 3.49%
2017, 2016, 2015, and 2014 Up to 48 months 3.45% 2.95%
60 months 3.75% 3.25%
72 months, ($25K Min) 2015 or newer 4.25% 3.75%
84 months, ($40K Min) 2016 or newer 4.55% 4.05%
120 months, ($75K Min) Boat or RV Only 4.95% 4.45%
  2013, 2012, and 2011 Up to 48 months 4.25% 3.75%
60 months 4.45% 3.95%
72 months, ($35K Min) 4.95% 4.45%
2010 and older Up to 48 months 5.25% 4.75%
60 months, $20K Min 5.75% 5.25%

Secured Loans including Motorcycles, Snowmobiles, Trailers, and ATVs



Annual Percentage Rate*

w/ Max Discount

2017, 2016, 2015, 2014 Up to 48 months 4.45% 3.95%
60 months 4.95% 4.45%
72 months, $30K Min 5.25% 4.75%
2013 or older Up to 48 months 4.95% 4.45%

Unsecured Loans (maximum $10,000)


Annual Percentage Rate*

w/ Max Discount

Up to 24 months, Max of $10,000 6.95% 6.45%
Up to 60 months, Max of $20,000 7.95% 7.45%
*a credit score of 750 or better required for 60-month term; a credit score of 730 or better required for 48-month term

Miscellaneous Security (No discounts apply)



Annual Percentage Rate*

w/ Max Discount

2014 or Newer Up to 60 months 4.75% 4.25%
2013 or Older Up to 48 months 5.25% 4.75%

Fixed/Variable Rate Real Estate and Home Equity Lines of Credit Available

Fixed Real Estate (based on 80% Loan/Value)

Up to 7 years 3.95% – includes amortizations of as long as 15 years with a balloon payment in 7 years or less

Fixed term and fixed rate for up to 10 years – 4.15% APR*
Fixed term and fixed rate for up to 15 years – 4.45% APR*

Check access home equity lines of credit – variable rate set at the prime rate with a minimum base rate of 4.75% APR*.
10-year draw period with a required repayment amortization of 12 years.

Contact Brian for information on rates, terms, and costs at 651.282.8881 or send him an email.

*Applicants are subject to normal credit guidelines.

*APR is Annual Percentage Rate. Rates are subject to change without notice.

Contact FCEFCU