All rates are subject to change without notice. Rates current as of 2/1/2023
New Cars 2023 & 2022
| APR* | Term |
| 4.25% – 12.25% | up to 60 months |
| 4.80% – 12.80% | 61 to 84 months |
Used Cars 2023 – 2019
| APR* | Term | Maximum Discount Rate |
| 5.00% – 13.00% | up to 48 months | as low as 4.25% |
| 5.25% – 13.25% | 49 to 60 months | as low as 4.50% |
| 5.50% – 13.50% | 61 to 72 months | as low as 4.75% |
| 5.75% – 13.75% | 73 to 84 months | as low as 5.00% |
Used Cars 2018 & Older
| APR* | Term | Maximum Discount Rate |
| 7.00% – 15.00% | up to 36 months | as low as 6.30% |
| 7.25% – 15.25% | 37 to 48 months | as low as 6.55% |
| 7.50% – 8.50% | 49 to 60 months* | as low as 6.80% |
*=Used Cars 2016 & Older C, D, & E scores max 48 mo. term
1st lien Home Equity Loans
| Term | APR* | ||
| up to 60 months | 6.25% | ||
| 61 to 120 months | 6.50% | ||
| 121 to 180 months | 6.75% |
2nd lien Home Equity loans
| Term | APR* | ||
| up to 60 months | 6.50% | ||
| 61 to 120 months | 6.75% | ||
| 121 to 180 months | 7.00% |
Home Equity Line of Credit Loans (HELOC’s)
| APR* | TERM | |
| 1st Lien | 1.00% + Prime Rate (WSJ) | up to 180 months |
| 2nd Lien | 1.25% + Prime Rate (WSJ) | up to 180 month |
Mortgages
CCSE partners with Owner’s Choice to offer low rates for home buyers. Start to finish is an easy process. Apply online by clicking the picture above or call 716-839-0701.
Student Loan – Undergrad Line of Credit (Variable Rate)
| APR* | Credit Score |
| 1.25% + Prime (WSJ) | 730 – 850 |
| 1.50% + Prime (WSJ) | 680 – 729 |
| 1.75% + Prime (WSJ) | 666 – 679 |
Student Loan – Consolidation (Fixed Rate)
| Credit Score | 5 Years | 10 Years | 15 Years |
| 730 – 850 | 6.75% | 7.25% | 7.75% |
| 680 – 729 | 7.00% | 7.50% | 8.00% |
| 666 – 679 | 7.25% | 7.75% | 8.25% |
New Recreational Vehicle Loans
| APR* | Term | Maximum Discount Rate |
| 5.50% – 13.50% | up to 48 months | 4.80% |
| 6.25% – 14.25% | 49 to 72 months | 5.55% |
| 7.00% – 15.00% | 73 to 120 months | 6.30% |
Used Recreational Vehicle Loans
| APR* | Term | Maximum Discount Rate |
| 6.25% – 14.25% | up to 48 months | 5.55% |
| 7.00% – 15.00% | 49 to 72 months | 6.30% |
| 7.75% – 8.75% | 73 to 84 months | 7.05% |
Overdraft Protection Rates
| APR* | Term |
| 18.00% | open – end |
Other Secured
| APR* | Term | Maximum Discount Rate |
| 9.50% – 17.50% | up to 36 months | 8.80% |
| 9.75% – 17.75% | 37 to 60 months | 9.05% |
| 10.00% – 11.00% | 61 to 84 months* | 9.30% |
Unsecured (Personal) Loan
| APR* | Term | Maximum Discount Rate | |
| 10.25% – 18.00% | up to 60 months | 9.55% |
Line of Credit
| APR* | Term | Maximum Discount Rate |
| 10.75% – 18.00% | open – end | 10.05% |
Mobile Home Loan
| APR* | Term |
| 8.50% | up to 72 months |
| 9.50% | 73 to 96 months |
Share Secured
| APR* | Term | |
| 1.50% | + Share, Share Cert, or Money Market Rate | up to 96 months |
| 2.50% | + Share, Share Cert, or Money Market Rate | 97 to 120 months |
Credit Builder
| APR* | Term | |
| 3.00% | + Share Rate | 9 to 18 months |
| Rate Discounts | | | | | | |
| Auto Pay | 0.25% | | | | | |
| Flip Flop Auto | 0.25% | | | | | |
| 1st Choice Auto (2023 & 2022 only) | 0.30% | | | | | |
| Over $10,000 on deposit | 0.15% | | | | | |
| More than 2 open/active Loans | 0.05% | | | | | |