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.
New, used or refinance- Up to 100% financing, including license and fees
- Terms up to 84
- Cars, Vans, Trucks, SUVs, and Motorcycles
New, used or refinanceRoute 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.
Our home loan services include:
- Buy or refinance
- A variety of loan options
- Low closing costs
- Second home financing
Buy or refinanceFirst Class Mortgage is licensed to sell home loan products in Minnesota, Wisconsin, South Dakota, and Florida.
- Boat loans
- Motorcycle loans
- Snowmobile & ATV loans
- Camper & RV loans
- Line of credit
- Personal loans
- …and more!
Boat loansDownload a loan application (PDF)
Questions? Don’t hesitate to call us at 651.282.8880 or 1.800.551.1179 or send us an email.
Try Our Loan Calculator
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 months | 5.75% | 5.25% |
| 72 months | 6.50% | 6.00% | |
| 84 months | 7.25% | 6.75% | |
| 2022-2017 | 48 months | 6.25% | 5.75% |
| 60 months | 6.75% | 6.25% | |
| 72 months | 7.50% | 7.00% | |
| 84 months | 8.00% | 7.50% | |
| 2016-2013 | 48 months | 7.99% | |
| 60 months | 8.49% |
Boats and RVs
Model Years | Terms Up To | Annual Percentage Rate | w/ Max Discount |
| NEW (2024 and 2023) | For terms of 120 months or less, see the New Auto Loan Rates | ||
| 120 months | 8.75% | 8.25% | |
| 144 months | 9.50% | 9.00% | |
| 180 months, ($65K Min) | 10.75% | 10.25% | |
| USED (2022 – 2013) | 60 months | 9.25% | 8.75% |
| 72 months | 10.00% | 9.50% | |
| 84 months, ($40K Min) | 10.75% | 10.25% | |
| 120 months, ($50K Min) | 11.75% | 11.25% | |
| 2022-2019 models only | 144 months, ($50K Min) | 12.25% | 11.75% |
Titled Miscellaneous Secured Loans (including Motorcycles, Snowmobiles, Trailers, and ATVs)
Model Years | Terms Up To | Annual Percentage Rate* | w/ Max Discount |
| NEW (2024 and 2023) | 48 months | 7.25% | 6.75% |
| 60 months | 7.55% | 7.05% | |
| 72 months | 8.05% | 7.55% | |
| USED (2022 – 2013) | 48 months | 7.75% | 7.25% |
| 60 months | 8.05% | 7.55% | |
| 72 months | 8.55% | 8.05% |
Unsecured Loans
Terms Up To | Annual Percentage Rate* | w/ Max Discount |
| 36 months | 11.25% | 10.75% |
| 60 months | 12.75% | 12.25% |
*Applicants are subject to normal credit guidelines.
Rates are subject to change without notice.