Loan Rates

All rates are subject to change without notice. Rates current as of 8/10/2023

New Cars 2022 & 2023

APR*Term
5.75% – 13.75%up to 60 months
6.30% – 14.30%61 to 84 months
Rates based on borrower credit score

Used Cars 2023 – 2019

APR*TermMaximum Discount Rate
6.50% – 14.50%up to 48 monthsas low as 5.75%
6.75% – 14.75%49 to 60 monthsas low as 6.00%
7.00% – 15.00%61 to 72 monthsas low as 6.25%
7.25% – 15.25%73 to 84 monthsas low as 6.50%
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 2018 & Older

APR*TermMaximum Discount Rate
8.50% – 16.50%up to 36 monthsas low as 7.80%
8.75% – 16.75%37 to 48 monthsas low as 8.05%
9.00% – 10.00%49 to 60 months*as low as 8.30%
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

Home Equity Loans (1st Lien)

TermAPR*
up to 60 months6.75%
61 to 120 months7.00%
121 to 180 months7.25%
The LTV is credit score based (max 90% appraised value)

Home Equity Loans (2nd Lien)

TermAPR*
up to 60 months7.00%
61 to 120 months7.25%
121 to 180 months7.50%

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 Loans – Undergrad Line of Credit

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 – 8506.75%7.25%7.75%
680 – 7297.00%7.50%8.00%
666 – 6797.25%7.75%8.25%
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
7.00% – 15.00%up to 48 months6.30%
7.75% – 15.75%49 to 72 months7.05%
8.50% – 16.50%73 to 120 months7.80%
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
7.75% – 15.75%up to 48 months7.05%
8.50% – 16.50%49 to 72 months7.80%
9.25% – 10.25%73 to 84 months8.55%
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

APR*Term
18.00%open – end

Other Secured

APR*TermMaximum Discount Rate
11.00% – 18.00%up to 36 months10.30%
11.25% – 18.00%37 to 60 months10.55%
11.50% – 12.50%61 to 84 months*10.80%
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
11.75% – 18.00%up to 60 months11.05%
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
12.25% – 18.00%open – end11.55%
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%)

Mobile Home Loan

APR*Term
10.00%up to 72 months
11.00%73 to 96 months

Share Secured

APR*Term
1.50%+ Share, Share Cert, or Money Market Rateup to 96 months
2.50%+ Share, Share Cert, or Money Market Rate97 to 120 months

Credit Builder

APR*Term
3.00%+ Share Rate9 to 18 months

Rate Discounts
Auto Pay0.25%
Flip Flop Auto0.25%
1st Choice Auto (2023 & 2022 only)0.30%
Over $10,000 on deposit0.15%
More than 2 open/active Loans0.05%