Rates  

Effective July 1, 2017

NOTE: All rates are subject to change.

Vehicle Loans
Conservation Employees’ Credit Union Loan Officers are here to help you with all your vehicle and recreational loan needs. Consult the chart below for current rates, and contact us for more information or apply online today!

VEHICLE LOAN
APR*
TERM in MONTHS
PMT CALCULATOR
Auto, truck, boat or recreational vehicle
(Any Model Year)
2.4%
24
Auto, truck, boat or recreational vehicle
(Any Model Year)
2.5%
36
Auto, truck, boat or recreational vehicle
(new - 2 years old)
2.5%
60
Auto, truck, boat or recreational vehicle
(new – 2 years old, loan balance $20,000 or more)
2.5%
72
Auto, truck, boat or recreational vehicle
(3 – 4 years old)
2.5%
60
Auto, truck, boat or recreational vehicle
(4 years old or more)
2.5%
48
Farm/Industrial Equipment
2.4%
24
Farm/Industrial Equipment
2.5%
36
Farm/Industrial Equipment
(New)
2.5%
60
Farm/Industrial Equipment
(New, loan balance $20,000 or more)
2.5%
72
Farm/Industrial Equipment
(Used)
2.5%
60
Farm/Industrial Equipment
(Used, loan balance $20,000 or more)
2.5%
72

*APR = Annual Percentage Rate. Loans are subject to member eligibility. Contact credit union for complete details.

 

Personal Loans & Lines of Credit
Sometimes a budget boost is all you need to make sense of your financial situation. In those instances, Conservation Employees’ Credit Union is happy to help with any one of these flexible loan solutions. Consult the chart below for current rates, and contact us for more information or apply online today!

Personal Loans/Lines of Credit
APR*
TERM in MONTHS
PMT CALCULATOR
Share-Secured Loan
2.30%
60
Personal Line of Credit
5.25%
N/A
Signature Loan
6.0%
6
Signature Loan
8.0%
24
Signature Loan
12.0%
60
Other Collateral
8.0%
60
Visa®
Transfer your existing credit card or store credit balances to a CECU Visa Credit Card, and you’ll pay no balance transfer fee. Plus enjoy a rate of 6.0% APR* for 18 months. Contact the credit union for complete details.
12.0%
n/a

*APR = Annual Percentage Rate. Loans are subject to member eligibility. Contact credit union for complete details.

 

Mortgage & Land Loans
Conservation Employees’ Credit Union understands the excitement that comes with buying a new home, renovating or even purchasing the land you need to grow. That is why your credit union offers the loans that will help secure your dreams. Consult the chart below for current rates, and contact us for more information or apply online today!

MORTGAGE/LAND LOAN
APR*
POINTS
PMT CALCULATOR
Home Mortgage Loan
4.25%
0
First-Time Homebuyer Loan
4.25%
0
Home Equity Line of Credit
4.25%
0
Land Equity Line of Credit
4.25%
0
Land Loan
4.25%
0

*APR = Annual Percentage Rate. Loans are subject to member eligibility. Contact credit union for complete details.

 

Student Loans
Conservation Employees’ Credit Union is dedicated to not only the financial success of its members, but also the educational accomplishments that they pursue. It is for this reason that we offer student loans to qualified members seeking academic success. Be sure to check the Student Loans page for the qualifying loan criteria, then contact us to apply for your Student Loan today!

STUDENT LOAN OPTION
APR*
TERM in MONTHS
GUIDELINES
Interest-Only Payment
6.0%
120
Borrow up to $10,000 per year, max amount $40,000. Student makes semi-annual, interest-only payments while enrolled.
Principal & Interest Payment
3.5%
60
Borrow up to $15,000 per year, max amount $60,000. Student makes interest and principal payment beginning 45 after loan closing.
Student Consolidation Loan
6.0%
120
Borrow up to $40,000 to consolidate existing student loans or other collegiate bills. 

*APR = Annual Percentage Rate. Loans are subject to member eligibility. Contact credit union for complete details.

 

Savings
Keeping your savings accounts with Conservation Employees’ Credit Union not only ensures your financial security, but also guarantees you a competitive rate of return. Consult the savings chart for dividends, and contact us for more information!

Effective Date July 1, 2017

SAVINGS PRODUCT
DIVIDEND RATE
APY*
Share Savings**
0.30%
0.30%
Secondary Share Savings
0.30%
0.30%
Christmas Share Savings
0.30%
0.30%
Share Draft Checking
0.20%
0.20%
Money Market
(Balance of $0 - 9,999)
0.30%
0.30%
Money Market
(Balance of $10,000 - 24,999)
0.30%
0.30%
Money Market
(Balance of more than $25,000)
0.30%
0.30%
IRA Savings***
0.60%
0.60%

*APY = Annual Percentage Yield
** Minimum Balance of $25
*** Deposits and withdrawals comply with Federal Regulations

 

Certificate & IRA
When you’re looking for a secure option for investments and long-term planning, look to CECU. We’re here to help you find the plan that fits your needs, plus provide excellent returns on your investment. Consult the chart below for current rates, and contact us for more information today!

CERTIFICATE/IRA DIVIDEND RATES ARE EFFECTIVE 
Sept. 19, 2017
  Certificate/IRA Dividend Rates    

 

$500 or more  

TERM

 APR* APY**
3 Months 0.32% 0.32%
6 Months 0.39% 0.39%
12 Months 0.63% 0.62%
18 Months 0.87% 0.85%
24 Months 0.90% 0.87%
36 Months 1.14% 1.15%
48 Months 1.48% 1.49%
Children 12 Months 0.39% 0.39%

*APR = ANNUAL PERCENTAGE RATE
**APY = ANNUAL PERCENTAGE YIELD

A minimum deposit of $500 is required to open a certificate.
A minimum deposit of $100 is required to open a Children's certificate.
90-day early withdrawal penalty


                       
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