All loan rates shown below are quoted as Annual Percentage Rates (abbreviated APR). All consumer loans are calculated on a simple interest basis and carry no pre-payment penalties or pre-paid interest charges. Optional credit life and credit disability insurance is available to most borrowers on all types of loans through CUNA MUTUAL INSURANCE.
Your Annual Percentage Rate is determined by your individual credit rating score that is obtained from a credit reporting agency. Your interest rate, term and payment amount will be determined when we process your loan application. Not all members may qualify for the lowest rate listed below. Rates and terms are subject to change without notice.
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Competitive rates on new or used cars and trucks - BETTER THAN DEALERS!
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Refinance an existing auto loan financed with another lender at a lower rate
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Get pre-approved for less hassle at the dealership
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TRUST A LENDER YOU KNOW!
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BUILD A RELATIONSHIP THAT MATTERS!
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YOUR LOCALLY OWNED CREDIT UNION - A BRIGHTER PLACE TO BANK!
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GREAT RATES!
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PERSONAL SERVICE!
| Loan Type |
Maximum Terms |
APR Ranges (%)* |
|
|
New or Used Automobiles up to 3 years old |
Up to 72 months |
As low as 1.75% |
|
New or Used Automobiles up to 3 years old |
84 months (Over $50K) |
As low as 3.05% |
|
Older Used Vehicles (4-10 years) |
Up to 72 months |
As low as 3.00% |
|
New Boats, Motors and Trailers |
Up to 60 months |
As low as 4.25% |
|
Used Boats, Motors and Trailers |
Up to 48 months |
As low as 4.99% |
|
Farm Equipment |
Up to 60 months |
As low as 4.99% |
|
Farm Trailers up to 16 ft. |
Up to 60 months |
As low as 5.99% |
Motorcycles
Motorcylces (up to 100% MSRP) |
Up to 36 months
37 - 60 months |
As low as 6.99%
As low as 6.99% |
|
4-Wheelers, Mules and Golf Carts |
Up to 36 months |
As low as 6.00% |
|
Personal Loans |
Up to 48 months |
As low as 12.75% |
|
CASHNOW Pay Day Alternative Loans |
*NEW* 12-month payout |
21.00% - 28% with $20 fee* |
|
Share Secured Loan |
Up to 10 years |
4.00% with deposit hold on account |
|
Certificate Secured Loan |
Up to 10 years |
3.00% over Certificate Rate |
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These rates are current as of 04-15-2020. APR=Annual Percentage Rate. FedStar Credit Union uses risk-based pricing. The rate you pay depends upon your credit history, collateral type and value, the age and mileage of collateral and other factors. All applications subject to credit qualifications, income verification, employment history and credit capacity. Not all members may receive the lowest rate. Interest rates on loans are subject to change at any time.
The credit union may offer other rates or promotional rates in the future. Rates and terms are subject to change at any time. FedStar Credit Union offers closed end fixed term loans and VISA® branded credit card lines of credit for qualifying members.
***NEW*** CHECK OUT OUR NEW LOW RATES AND NEW CASHNOW LOANS***BECOME A MEMBER TODAY!
FedStar Credit Union proudly offers Mortgage loan financing in partnership with CU MEMBERS MORTGAGE. To obtain more information and to apply, go to this website address http://www.fedstarcu.com/hl_hfc.html
Fedstar Credit Union is an Equal Housing Lender. MEMBER NCUA
*Application fee of $20.00 is required on all CASHNow PAL loans and may not be included in the loan amount.
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