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.
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
Buy or refinanceAt 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.
- 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 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.
Auto Loans
Model Years | Terms Up To | Annual Percentage Rate | w/ Max Discount |
| NEW 2023 or 2022 (less than 7,500 miles) | 60 months | 4.75% | 4.25% |
| 72 months | 5.25% | 4.75% | |
| 84 months | 6.25% | 5.75% | |
| 2021, 2020, and 2019 | 48 months | 4.75% | 4.25% |
| 60 months | 5.25% | 4.75% | |
| 72 months | 6.00% | 5.50% | |
| 84 months | 6.50% | 6.00% | |
| 2018, 2017, and 2016 | 48 months | 5.75% | 5.25% |
| 60 months | 6.15% | 5.65% | |
| 72 months | 6.55% | 6.05% | |
| 2015 and older | 48 months | 5.99% | 5.49% |
| 60 months | 6.49% | 5.99% |
Boats and RVs
Model Years | Terms Up To | Annual Percentage Rate | w/ Max Discount |
| NEW | For 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 Newer | 120 months, ($40K Min) | 7.35% | 6.85% |
| 180 months | 7.85% | 7.35% | |
| 2017 or Older | 72 months | 7.85% | 7.35% |
| 84 months | 8.35% | 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 2021 | 48 months | 5.75% | 5.25% |
| 60 months | 6.05% | 5.55% | |
| 72 months | 6.55% | 6.05% |
Unsecured Loans
Terms Up To | Annual Percentage Rate* | w/ Max Discount |
| 36 months | 8.45% | 7.95% |
| 60 months | 8.95% | 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.