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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

Get money for school from Sallie Mae®

Whether you’re an undergraduate, graduate student, or parent, student loans from FCEFCU in partnership with Sallie Mae® could help!
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 Calculator

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Loan Rates
Effective September 8, 2021

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 735.
No other loan discounts apply.

Auto Loans

Model Years

Terms Up To

Annual Percentage Rate

w/ Max Discount

NEW 2021 or 2020 (less than 7,500 miles)60 months2.99%2.49%
72 months3.49%2.99%
84 months4.29%3.79%
2021, 2020, and 201948 months2.99%2.49%
60 months3.29%2.79%
72 months3.79%3.29%
84 months4.49%3.99%
120 months4.99%4.49%
  2018, 2017, and 201648 months3.79%3.29%
60 months4.09%3.59%
72 months, ($35K Min)4.49%3.99%
2015 and older48 months4.49%3.99%
60 months4.99%4.49%

Boats and RVs

Model Years

Terms Up To

Annual Percentage Rate

w/ Max Discount

NEW120 months, ($35K Min)4.49%3.99%
180 months, ($75K Min)5.09%4.59%
2018 or Newer120 months, ($40K Min)5.09%4.59%
180 months5.59%5.09%
2017 or Older72 months, ($40K Min)5.09%4.59%
84 months5.59%5.09%

Secured Loans including Motorcycles, Snowmobiles, Trailers, and ATVs

Model Years

Terms Up To

Annual Percentage Rate*

w/ Max Discount

2021, 2020, and 201948 months3.99%3.49%
60 months4.29%3.79%
72 months4.69%4.19%
2018 or older48 months, ($40K Min)5.29%4.79%

Secured Loans – Miscellaneous Security

Model Years

Terms Up To

Annual Percentage Rate*

w/ Max Discount

2019 or Newer60 months4.99%4.49%
2018 or Older48 months5.49%4.99%

Unsecured Loans

Terms Up To

Annual Percentage Rate*

w/ Max Discount

36 months6.20%5.20% LOAN SALE
60 months7.20%6.20% LOAN SALE
*a credit score of 750 or better required for 60-month term; a credit score of 730 or better required for 48-month term

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

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

Fixed term and fixed rate up to 7 years – 3.25% APR*
Fixed term and fixed rate for up to 10 years – 3.45% APR*
Fixed term and fixed rate for up to 15 years – 3.95% APR*
Longer amortizations available up to 15 years with a balloon payment in 7 years or less – 3.45% APR*

Check Access

Home Equity Line of Credit – variable rate set at the prime rate with a minimum base rate of 3.50% 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.

Rates are subject to change without notice.

Contact FCEFCU

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