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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 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 April 27, 2023

Save to the Max on Select* Loans!

Reduce your loan rate by meeting either (or both!) of the following criteria:

• Automatic Payroll Deduction – 0.25% discount
• New Member – 0.25% discount

*Applicants are subject to normal credit guidelines. No other loan discounts apply.
“Save to the Max” discounts do not apply to Real Estate loans, nor Auto loans on model years 2016 and older.

Auto Loans

Model Years

Terms Up To

Annual Percentage Rate

w/ Max Discount

NEW 2024 or 2023 (less than 7,500 miles)60 months5.75%5.25%
72 months6.50%6.00%
84 months7.25%6.75%
2022-201748 months6.25%5.75%
60 months6.75%6.25%
72 months7.50%7.00%
84 months8.00%7.50%
  2016-201348 months7.99%
60 months8.49%

Boats and RVs

Model Years

Terms Up To

Annual Percentage Rate

w/ Max Discount

NEWFor terms of 120 months or less, see the New Auto Loan Rates
120 months, ($50K Min)7.25%6.75%
180 months, ($75K Min)7.85%7.35%
2018 or Newer120 months, ($40K Min)7.35%6.85%
180 months7.85%7.35%
2017 or Older72 months7.85%7.35%
84 months8.35%7.85%

 

Titled Miscellaneous Secured Loans (including Motorcycles, Snowmobiles, Trailers, and ATVs)

Model Years

Terms Up To

Annual Percentage Rate*

w/ Max Discount

2023, 2022, and 202148 months5.75%5.25%
60 months6.05%5.55%
72 months6.55%6.05%

Unsecured Loans

Terms Up To

Annual Percentage Rate*

w/ Max Discount

36 months8.45%7.95%
60 months8.95%8.45%

 

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 – 5.70% APR*
Fixed term and fixed rate for up to 10 years – 6.00% APR*
Fixed term and fixed rate for up to 15 years – 6.50% APR*
Longer amortizations available up to 15 years with a balloon payment in 7 years or less – 5.70% APR*

Check Access

Home Equity Line of Credit – variable rate set at the prime rate with a minimum base rate of 3.25% 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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