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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.

Farm Credit Employees Federal Credit Union has partnered with First Class Mortgage to provide expert advice to our members. Call today to learn which of our Home Loans will be your best fit.

Our home loan services include:

  • Mortgage Loans from FCEFCUBuy or refinance
  • A variety of loan options
  • Low closing costs
  • Second home financing

Get started here.

First Class Mortgage is licensed to sell home loan products in Minnesota, Wisconsin, South Dakota, and Florida.

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 July 11, 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

NEW (2024 and 2023)For terms of 120 months or less, see the New Auto Loan Rates
120 months8.75%8.25%
144 months9.50%9.00%
180 months, ($65K Min)10.75%10.25%
USED (2022 – 2013)60 months9.25%8.75%
72 months10.00%9.50%
84 months, ($40K Min)10.75%10.25%
120 months, ($50K Min)11.75%11.25%
2022-2019 models only144 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 months7.25%6.75%
60 months7.55%7.05%
72 months8.05%7.55%
USED (2022 – 2013)48 months7.75%7.25%
60 months8.05%7.55%
72 months8.55%8.05%

Unsecured Loans

Terms Up To

Annual Percentage Rate*

w/ Max Discount

36 months11.25%10.75%
60 months12.75%12.25%

 

*Applicants are subject to normal credit guidelines.

Rates are subject to change without notice.

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