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.
New, used or refinance- Up to 100% financing, including license and fees
- Terms up to 84
- Cars, Vans, Trucks, SUVs, and Motorcycles
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:
Buy 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.
College Dreams?
Pay for college the smart way! FCEFCU can help you apply for a Sallie Mae Smart Option Student Loan.
FCEFCU has the loan you need! Whether you’re looking for new/used or secured/unsecured, we are here to help. FCEFCU offers:
Boat loans- Motorcycle loans
- Snowmobile & ATV loans
- Camper & RV loans
- Line of credit
- Personal loans
- …and more!
Download 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 up to 1.00% by meeting two of the following criteria:
- Credit Score over 735 – 0.50% discount
- Loan / Value of 80% or less – 0.50% discount
- Automatic Payroll Deduction – 0.50% discount
- New Member – 0.50% discount
“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
Type |
Term |
Annual Percentage Rate |
w/ Max Discount |
| NEW 2017 or 2018 (less than 7,500 miles) | Up to 60 months | 2.99% | 1.99% |
| 72 months | 3.49% | 2.49% | |
| 84 months | 3.99% | 2.99% | |
| 2017, 2016, 2015, and 2014 | Up to 48 months | 3.45% | 2.45% |
| 60 months | 3.75% | 2.75% | |
| 72 months, ($25K Min) 2015 or newer | 4.25% | 3.25% | |
| 84 months, ($40K Min) 2016 or newer | 4.55% | 3.55% | |
| 120 months, ($75K Min) Boat or RV Only | 4.95% | 3.95% | |
| 2013, 2012, and 2011 | Up to 48 months | 4.25% | 3.25% |
| 60 months | 4.45% | 3.45% | |
| 72 months, ($35K Min) | 4.95% | 3.95% | |
| 2010 and older | Up to 48 months | 5.25% | 4.25% |
| 60 months, $20K Min | 5.75% | 4.75% |
Secured Loans including Motorcycles, Snowmobiles, Trailers, and ATVs
Type |
Term |
Annual Percentage Rate* |
w/ Max Discount |
| 2017, 2016, 2015, 2014 | Up to 48 months | 4.45% | 3.45% |
| 60 months | 4.95% | 3.95% | |
| 72 months, $30K Min | 5.25% | 4.25% | |
| 2013 or older | Up to 48 months | 4.95% | 3.95% |
Unsecured Loans (maximum $10,000)
Term |
Annual Percentage Rate* |
w/ Max Discount |
| Up to 24 months, Max of $10,000 | 6.95% | 5.95% |
| Up to 60 months, Max of $20,000 | 7.95% | 6.95% |
| *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)
Type |
Term |
Annual Percentage Rate* |
w/ Max Discount |
| 2014 or Newer | Up to 60 months | 4.75% | 3.75% |
| 2013 or Older | Up to 48 months | 5.25% | 4.25% |
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.