Loan Rates

New Cars 2021 & 2020

APR*Term
2.00% – 10.00%up to 60 months
2.55% – 10.55%61 to 84 months
Rates based on borrower credit score

Used Cars 2021 – 2017

APR*TermMaximum Discount Rate
2.75% – 10.75%up to 48 monthsas low as 2.00%
3.00% – 11.00%49 to 60 monthsas low as 2.25%
3.25% – 11.25%61 to 72 monthsas low as 2.50%
3.50% – 11.50%73 to 84 monthsas low as 2.75%
Advertised rates labeled “Maximum Discount Rate” are credit score based and are equivalent to an A borrower with all maximum rate discounts applied (0.75% or 0.45%)

Used Cars 2016 & Older

APR*TermMaximum Discount Rate
4.25% – 12.25%up to 36 monthsas low as 3.80%
4.50% – 12.50%37 to 48 monthsas low as 4.05%
4.75% – 5.75%49 to 60 months*as low as 4.30%
Advertised rates labeled “Maximum Discount Rate” are credit score based and are equivalent to an A borrower with all maximum rate discounts applied (0.75% or 0.45%)
*=Used Cars 2016 & Older C, D, & E scores max 48 mo. term

1st lien Home Equity Loans

TermAPR*
up to 60 months2.75%
61 to 120 months3.00%
121 to 180 months3.25%
The LTV is credit score based (max 90% appraised value)

2nd lien Home Equity loans

TermAPR*
up to 60 months3.00%
61 to 120 months3.25%
121 to 180 months3.50%

Home Equity Line of Credit Loans (HELOC’s)

APR*TERM
1st Lien1.00% + Prime Rate (WSJ)up to 180 months
2nd Lien1.25% + Prime Rate (WSJ)up to 180 month
For more information about these loans email kristina@ccseonline.com

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
CCSE has partnered with Credit Union Student Choice to offer our members great rates on student loans! Click here to apply

Student Loan – Consolidation (Fixed Rate)

Credit Score5 Years10 Years15 Years
730 – 8504.75%5.25%5.75%
680 – 7295.00%5.50%6.00%
666 – 6795.25%5.75%6.25%
CCSE has partnered with Credit Union Student Choice to offer our members great rates on student loans! Click here to apply

New Recreational Vehicle Loans

APR*TermMaximum Discount Rate
2.75% – 10.75%up to 48 months2.30%
3.50% – 11.50%49 to 72 months3.05%
4.25% – 12.25%73 to 120 months3.80%
Advertised rates labeled “as low as” are credit score based and are equivalent to an A borrower with all maximum rate discounts applied (0.45%)

Used Recreational Vehicle Loans

APR*TermMaximum Discount Rate
3.50% – 11.50%up to 48 months3.05%
4.25% – 12.25%49 to 72 months3.80%
5.00% – 6.00%73 to 84 months4.55%
Advertised rates labeled “as low as” are credit score based and are equivalent to an A borrower with all maximum rate discounts applied (0.45%)

Overdraft Protection Rates

APR*Term
18.00%open – end

Other Secured

APR*TermMaximum Discount Rate
6.75% – 14.75%up to 36 months6.30%
7.00% – 15.00%37 to 60 months6.55%
7.25% – 8.25%61 to 84 months*6.80%
A UCC 1 form must be filed. *= C, D, & E scores max 60 months. Advertised rates labeled “as low as” are credit score based and are equivalent to an A borrower with all maximum rate discounts applied (0.45%)

Unsecured (Personal) Loan

APR*TermMaximum Discount Rate
7.50% – 15.50%up to 60 months7.05%
Advertised rates labeled “as low as” are credit score based and are equivalent to an A borrower with all maximum rate discounts applied (0.45%)

Line of Credit

APR*TermMaximum Discount Rate
8.00% – 16.00%open – end7.70%
Advertised rates labeled “as low as” are credit score based and are equivalent to an A borrower with all maximum rate discounts applied (0.45%)

Mobile Home Loan

APR*Term
8.00%up to 72 months
9.00%73 to 96 months

Share Secured

APR*Term
1.00%+ Share, Share Cert, or Money Market Rateup to 96 months
2.00%+ Share, Share Cert, or Money Market Rate97 to 120 months

Credit Builder

APR*Term
2.50%+ Share Rate9 to 18 months

Rate Discounts
Auto Pay0.25%
Flip Flop Auto0.25%
1st Choice Auto (2021 & 2020 only)0.30%
Over $10,000 on deposit0.15%
More than 2 open/active Loans0.05%